Unlock the best rate or cash when you switch to ATB

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Take advantage of our amazing cash offer or our lowest rate, plus no fees to switch and local mortgage experts that are there when you need it.

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 when you transfer from your current lenders.

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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Switch for free

No matter which door you open you can get up to $1,500 waived towards appraisal, legal and registration fees when you move your mortgage to ATB*.

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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.

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 switching lenders. We love answering questions and providing resources. It’s just what we do.

Frequently asked questions

With an ATB mortgage pre-approval, 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.

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

Manage your mortgage with fixed and variable terms, customizable payment options, and prepayment privileges. You can up your payments at your discretion.

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

If your mortgage is up for renewal and you’re considering switching, we have the resources you need to make the best decision for you.

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.

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Need help?

Our Client Care team will be happy to assist.