Unlock up to $6,000* cash back
Get a new mortgage with ATB or transfer your existing mortgage to take advantage of this offer. Get fees covered when you switch*.
Get startedGet cash back or our lowest rate.
Get up to $6,000*
Get cash back when you open a mortgage with us. The cash you get depends on your mortgage value. Valid on 3, 4, and 5 year fixed or 5 year variable mortgages.
Get $6,000 cash
Get our lowest rate*
Prefer to lock in our lowest rate? Get 4.09%* on a 5-year ATB Rate First mortgage or check out all featured rates.
Lock in our lowest rateSwitching your mortgage?
We’ll cover the fees* when you transfer your mortgage to ATB.
Get started with this mortgage offer
Our best rates
| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.19% | 4.09% |
| 5 Year Conventional | 4.54% | 4.44% |
| 5 Year Variable High Ratio | 3.65% | N/A |
| 5 Year Variable | 3.95% | N/A |
| 4 Year High Ratio** | 4.39% | N/A |
| 4 Year Conventional** | 4.49% | N/A |
| 3 Year High Ratio | 4.39% | N/A |
| 3 Year Conventional | 4.49% | N/A |
The difference between a high ratio and conventional mortgage lies in the down payment amount and the requirement for mortgage default insurance.
A high ratio mortgage requires a down payment of less than 20% of the home's purchase price (between 5% and 19.99%). In Canada, it's mandatory to purchase mortgage default insurance for high ratio mortgages.
A conventional mortgage requires a down payment of 20% or more of the home's purchase price. Mortgage default insurance is not typical for conventional mortgages.
An ATB Residential Mortgage provides flexible terms from 6 months to 7 years, with both fixed and variable rate options. You can make lump sum payments and increase payments of up to 20% of the original mortgage amount per year. With this mortgage, you have the ability to skip payments and refinance.
An ATB Rate First Residential Mortgage is our lowest rate mortgage, for a 5-year fixed term. You can make lump sum payments and increase payments of up to 10% of the original mortgage amount per year. With this mortgage, skipped payments and refinancings are not offered.
Ready to take advantage of this offer?
Get started with an ATB Mortgage
Wherever you are in your homeownership journey, we have a team of mortgage experts ready to help.
Available cash back tiers
| Mortgage value | Cashback |
|---|---|
| $200,000 - $299,999 | $2,000 |
| $300,000 - $499,999 | $3,000 |
| $500,000 - $749,999 | $4,000 |
| $750,000 - $999,999 | $5,000 |
| $1,000,000 + | $6,000 |
Frequently asked questions
Yes, we do have a rate guarantee with our mortgages. With an ATB mortgage pre-approval online or with a team member, you’ll lock in your rate for 120 days. And if the interest rate is lower at the time of funding, you’re still guaranteed to receive the lower rate.
Just apply for a select 3, 4 or 5 year residential mortgage with the rates above and open a personal Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments. The mortgage must be for your primary residence, in an amount of $200,000 or more, and be approved and fully advanced by October 31, 2025. Connect with us to get started.
Yes, this offer is exclusive only to select residential mortgages with our standard client rates, but ATB has a variety of mortgage options built to suit a variety of needs and circumstances. Connect with us to find the perfect mortgage for you.
Sorry, no. The cash and lowest rate offers are for primary residences only, but we do have other mortgage options designed specifically for a secondary residence. Reach out to us for more info.
We’ll deposit your bonus within 60 days following the funding of the mortgage. You’ll need a personal Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments in order to receive the cash incentive. Ready to lock in the offer? Connect with an expert today.
You bet you can. Just reach out to us to get the ball rolling. We're available online, by phone and in-person to guide you at every stage of your home buying journey. To ensure a smooth transition to ATB, we recommend starting the switching process at least three weeks before your current mortgage maturity date.
ATB will make the process as simple as possible. You can connect with our team of experts virtually or in person. We will require a few documents to get started, such as a property tax assessment, current mortgage statement, and proof of income. Once we have these documents, leave the rest up to us! We will ensure your mortgage transfer goes smoothly every step of the way.
When transferring an existing mortgage, ATB covers up to $1,0001 in program fees, including processing and registration fees, based on a current home evaluation. This includes properties located within Alberta’s national parks.
Additionally, we’ll cover appraisal fees up to $5001 from an ATB-approved appraiser, even for rural and remote areas. However, any additional appraisals won’t be covered under this offer.
ATB will directly handle payments to First Canada Title and reimburse the cost of our accredited appraisers for the fees that are included in the switch offer.
Yes, they can be combined if qualifying criteria is met on both offers.
It might! Our experts can help find the best mortgage solution and offer that will suit your needs. Reach out to us and we can help you explore your options.
Still have mortgage questions?
Meet with one of our mortgage experts and get all the answers you need to unlock this offer.
Mortgage options and resources
First-time buyers
Everything you need to know about buying your first home in Alberta.
Switching to ATB
Switching your mortgage to ATB is easy with a team of experts to help. Find out how.
Mortgage Payment Calculator
Discover how different variables like payment increases, lump sum payments or different interest rates impact your mortgage cost.
Mortgage loans
Finding the right mortgage starts with understanding your options.
Mortgage and Home Buying Advice Centre
We have guidance and resources for every phase of your journey, whether you’ve just started searching listings or you’re ready to close the deal.
Why choose an ATB mortgage
We're Alberta's mortgage team. Our in-depth knowledge of the housing market and dedication to the community will ensure you receive exceptional service.