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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.
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.
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 cashTake advantage of our lowest rate of 3.99%* on a 5-year ATB Rate First mortgage.
Get the lowest rateNo 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*.
Get startedTerm | 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 |
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.
Set up a one-on-one conversation about all things mortgage with an ATB expert.
Manage your mortgage with fixed and variable terms, customizable payment options, and prepayment privileges. You can up your payments at your discretion.
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.
Discover how different variables like payment increases, lump sum payments or different interest rates impact your mortgage cost.
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.
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.
Rest easy
Mortgage protection insurance from ATB will protect your loved ones from financial risk in the event of unexpected illness, disability or death.
Protect your home
Get a disappearing deductible, identity theft coverage, optional overland water protection and more—all at 15% off for ATB clients.
Switch Fees Terms & Conditions
Switch fees 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. Switch fees will be covered up to $1000.00. Allowable fees include: First Canadian Title registration fees 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 $200K 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.
*Offer Terms and Conditions
Offer begins February 10, 2025. 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. Cash incentive offer expires October 31, 2025. The mortgage must be approved and fully advanced by October 31, 2025. Mortgage loans must have a principal amount of $200,000 or more and with our 5-year ATB Variable Rate or 3, 4 or 5-year Fixed Rate loan.
A personal ATB Unlimited, Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments is required in order to receive the cash incentive. The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced.
Qualifying customers will receive:
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.
Rate First 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.