Open the door to homeownership with our best offers

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Buying your first home should be an exciting time. We’re here to help make it as simple & financially accessible as possible with extra cash or our lowest rate. Ready to connect?

Cash back or lowest rate? We’ve got the keys to the best mortgage.

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Cash offer

For a limited time, get up to $6,000 cash on select 3 to 5 year mortgages.

Get the cash
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Lowest rate offer

Take advantage of our lowest rate of 3.99%* on a 5-year ATB Rate First mortgage.

Get the lowest rate
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Online pre-approval

Use our easy online tool to get pre-approved for a mortgage and be certain of your loan amount. You’ll get results in two business days.

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Curious what’s behind each offer door?

  • Help with cash flow: A little extra cash can go a long way towards home repairs or fun upgrades. New Espresso machine anyone?
  • Renos, decor, house splurges: Why not use the bonus cash for that couch you’ve been eyeing?
  • We love a good investment strategy: Invest the cash into something that might be able to earn a higher return than what you could save with the lower rate.
  • Give your credit card some rest: Take some of that cash and make a lump-sum payment towards some high interest debt like a credit card.

  • Build savings: Lower interest rates over the life of a loan can contribute to significant savings.
  • Financial flexibility: If you’re paying lower monthly payments that frees up your cash flow to invest elsewhere or for that weekly Costco run.
  • Fast track to equity: A lower interest rate can help you build up your equity faster because a larger portion of your monthly payment goes towards the principal instead of interest.
  • Peace of mind: Knowing exactly what you’ll pay with a lower, fixed interest rate gives you some breathing room and ability to plan ahead.

Ready to turn the key on one of these offers?

Get started with an expert or with our online mortgage pre-approval process.

Discuss your options

You’ll hear from a mortgage expert within 2 business days.

Online pre-approval

Calculate monthly payments and get pre-approved online, at any time.

Our best rates

Term Residential Mortgage Rate First Residential Mortgage
5 Year Conventional 4.94% 4.89%
4 Year Conventional** 4.99% N/A
3 Year Conventional 4.94% N/A

Unlock your next mortgage with an expert

We’re here to support you through the entire process of buying your first home. We love answering questions and providing resources. It’s just what we do.

Frequently asked questions

Just apply for a select 3 to 5 year mortgage with the standard client rate. 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. Reach out to us to get started.

Still have mortgage questions?

Set up a one-on-one conversation about all things mortgage with an ATB expert.

Mortgage options and resources

Residential Mortgage Loan

Open the door to homeownership with our flexible mortgage and competitive rates. We offer payment options to help you achieve your home buying goals.

Rate First Mortgage Loan

Take advantage of our lowest rate. Lock in a 5-year, fixed rate and enjoy knowing your rate and payment will stay the same for the entire term.

Mortgage Payment Calculator

Discover how different variables like payment increases, lump sum payments or different interest rates impact your mortgage cost.

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 have local expertise, excellent and accessible mortgage options and helpful advice every step of the way.

Unlock more with ATB

Need help?

Our Client Care team will be happy to assist.