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 rate closed or 5 year variable rate closed mortgages.
Get $6,000 cash
Get our lowest rate*
Prefer to lock in our lowest rate? Get 4.09%* on a 5-year fixed ATB Rate First mortgage or check out all featured rates.
Lock in our lowest rateSwitching your mortgage?
Take advantage of cash back or lowest rate, plus we’ll cover the fees* when you transfer your mortgage to ATB.
Get started by answering a few questions
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 |
**Available through select ATB channels only.
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.
When buying a home in Canada, you’re required to have a minimum down payment of the following:
- 5% for homes $500,000 or less
- 5% on the first $500,000
- 10% for any amount above that for homes $500,000 to $1,499,999
- 20% for homes $1,500,000 or more
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.
Cash back tiers
| Mortgage value | Cash back |
|---|---|
| $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. When you get 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 guaranteed to receive the lower rate.
To qualify, apply for a select 3, 4 or 5 year residential mortgage with the rates above and open a new personal Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments. Existing ATB clients who have had a Unlimited, ATB Advantage, Generation or Freedom or hold a Basic or No Fee All In account for more than three months can use these products to receive the cash incentive, assuming pre-authorized mortgage payments are made from this account. 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, 2026. Connect with us to get started. See full terms and conditions*.
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.
A closed mortgage typically offers a lower interest rate and is designed for clients who plan to keep their mortgage for the full term.
With an ATB closed mortgage, you still have built-in prepayment options to help you pay down your mortgage faster, such as:
- Making annual lump-sum payments (up to a set percentage)
- Increasing your regular mortgage payment amount (within allowed limits)
If you pay off your mortgage in full or exceed the allowed prepayment limits during the term, a prepayment charge may apply.
An open mortgage offers maximum flexibility, allowing you to pay off your mortgage in full or make extra payments at any time without a prepayment charge. Because of this flexibility, open mortgages generally come with a higher interest rate than closed mortgages.
An open mortgage may be a good option if you expect to sell your home, refinance, or receive a large lump-sum payment in the near future.
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 new personal Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments in order to receive the cash incentive. Existing Unlimited, ATB Advantage, Generation or Freedom or Basic or No Fee All In accounts that have been open for more than six months can be used. The deposit account must remain active for at least one year from the mortgage origination date. Ready to lock in the offer? Connect with an expert today.
You bet you can. Just reach out to us to get started. 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 you transfer an existing mortgage to ATB as a straight transfer-in, we cover eligible switch fees in accordance with our terms and conditions*. Covered fees include standard First Canadian Title registration fees for transfer-in mortgages and appraisal fees of up to $500 when completed by an ATB-accredited appraiser. However, any additional appraisals won’t be covered under this offer. For more details, see the offer terms and conditions*.
ATB will directly handle payments to First Canadian Title and reimburse the cost of our accredited appraisers for the fees that are included in the switch offer.
Yes, the switch fees offer can be combined with the cash back offer or lowest rate offer, if qualifying criteria is met.
It might! Adding a HELOC or even another mortgage could be an option. 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.
*The following terms and conditions apply:
Cash Bonus Offer Terms & Conditions
Offer begins February 9, 2026. This offer is available for eligible residential mortgage loans for new purchases (including 30 year amortization), or straight transfer-in mortgage loans to ATB from another financial institution, on primary residences only. Cash incentive offer expires October 31, 2026. The mortgage must be approved and fully advanced by October 31, 2026. Mortgage loans must have a principal amount of $200,000 or more and with our 5-year ATB Variable Rate Closed Mortgage or 3, 4 or 5-year Fixed Rate Closed Mortgage on ATB Residential Mortgage loan(s). This offer is not available on secondary residences, such as vacation properties or rental homes.
A new personal ATB Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments is required to be eligible to receive the cash incentive. Existing ATB clients who have had an Unlimited, ATB Advantage, Generation or Freedom or hold a Basic or No Fee All In Digital account for more than six months can use these products to receive the cash incentive, assuming pre-authorized mortgage payments are made from this account. The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced.
The deposit account must remain active for at least 12 months from the mortgage loan origination date. If the account is closed, downgraded, or pre-authorized mortgage payments are removed from this account within the first 12 months, the client may no longer be eligible for the cash incentive.
ATB reserves the right, where permitted, to recover the cash incentive in circumstances where eligibility requirements are not met.Qualifying customers will receive:
- $6,000 on a mortgage loan amount of $1M + or more;
- $5,000 on a mortgage loan amount of $750,000 to $999,999
- $4,000 on a mortgage loan amount of $500,000 to $749,999
- $3,000 on a mortgage loan amount of $300,000 to $499,999;
- $2,000 on a mortgage loan of $200,000 to $299,999.
Rate(s) offered are subject to change without notice and cannot be used in conjunction with any other offer or discount for the same product, unless otherwise specified. Residential mortgage loans are subject to standard lending criteria and credit approval. Offer may change or be withdrawn at any time without notice. Limit of one (1) Cash Incentive offer per mortgage. Customers who obtain a joint ATB Mortgage will only qualify to receive one (1) Cash Incentive offer.Switch Fees Terms & Conditions
Switch fees refer to registration and appraiser fees that will be covered when you move your mortgage to ATB as a straight transfer in. This offer is available for mortgage loans that are transferred to ATB from another financial institution. No additional funds or change to amortization is allowed. Available equity may be accessed under a second mortgage product. Mortgage loans must be funded within 120 days of application date. Allowable fees include: Standard First Canadian Title registration fees for transfer in mortgages and up to $500 in appraisal fees charged by an ATB accredited appraiser. ATB will not cover fees associated with changing names on title, private registration discharges, remote or virtual signing, interest penalties, prepayment charges or administration fees. Mortgage value of $200,000 or more is required. This offer is limited to personal clients and residential switch mortgages on owner-occupied residential dwellings only. Non-personal clients, commercial/investment properties, and properties not owner-occupied are excluded. Offer is only available through select ATB channels.
Rate Offer Terms & Conditions
Rate(s) offered are subject to change without notice and cannot be used in conjunction with any other offer or discount for the same product, unless otherwise specified. Rate First mortgages are not eligible for the cash offer. The cash offer is not available in combination with special rate offers or other mortgage offers. This offer is eligible for the fee waiver on straight transfer in mortgages. Options at the time of renewal may be limited in the terms provided. Conditions apply.
Mortgage Terms & Conditions
A deposit account is not required for a mortgage approval or application.
Rate displayed for each term is Annual Percentage Rate (APR) and is based on a mortgage of $250,000 with monthly payments of a 25 or 30 year amortization, and assuming a processing fee of $250 (such as the cost of determining the value of the property). If there are no processing fees, the APR and interest rate will be the same.The interest for fixed rate mortgages is calculated semi-annually, not in advance.
Rates quoted are for a high ratio mortgage. For conventional mortgage rates please visit our rates page.Some rates are only available through select ATB channels.
Cash Bonus Offer Payout Process
The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced (deadline October 31, 2026). The last cash payout will be made into the eligible deposit account (based on tiers) by 5:00pm MT on December 31, 2026 if all of the qualifying requirements are fulfilled. Clients have until 5:00pm MT on January 15, 2027 to notify ATB if you believe you qualify for the Mortgage Cash Incentive Offer and have not received the cash, so that we can verify your eligibility. Exceptions after this deadline will not be accepted. Payout for inquiries can be expected within 5 business days from the time eligibility is verified.
ATB reserves the right, at its sole discretion, to modify, suspend, change, extend, withdraw or terminate the Campaign Offer at any time without notice. ATB reserves the right, at our sole discretion, to suspend, disqualify, limit or revoke the Offer(s) for any client we suspect of manipulation, abuse, or non-compliance with these terms and conditions, or for any other reason deemed necessary by ATB.
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