Next Home Buyers
Whether you're buying a second home, a vacation home or a rental property, we can help you understand your financing options.
How a second (or third or seventh!) mortgage can work for you.
Not all mortgage pre-approvals are created equal
At ATB we do a little extra work up front so you can be extra confident in the amount that we pre-approve you for when you’re house hunting.
Take your mortgage with you
Your mortgage can be transferred to a new property if you move. One of our experts would love to review all of your options with you.
Repay your way
Increase regular payments by up to 20%1 per year and/or prepay up to 20%1 of your original mortgage amount per year on fixed mortgages. With Loan Protection, you may be able to have payments covered in the event of death or disability.
Find the mortgage that’s right for you.
Our most flexible mortgage
Residential Mortgage
A mortgage that puts flexibility first with competitive rates and payment options that suit your needs.
Our lowest rate mortgage
Rate First Mortgage
Take advantage of our lowest rate on a 5-year fixed term. Find comfort knowing that your rate and payment will not increase over the duration of the term.
Peace of mind
Loan Protection
Take comfort in knowing the balance of your loan and line of credit is covered in the event of a disability or death.
Check out our mortgage calculators
Discover the mortgage and payments you can afford.
Mortgage Affordability Calculator
Get an estimate of the mortgage and home price within your budget.
Mortgage Payment Calculator: Home buyer
Input your mortgage details and we’ll share what your future payments will look like.
Want to talk with an expert?
Talk with a Mobile Mortgage Specialist about options to make your mortgage work for you.
Frequently Asked Questions
Unfortunately, not. Once you have a down payment of at least 5%, you may qualify for an Insured Mortgage, but 5% is the minimum we can accept.
Basically, when a bank posts an 'inflated' (higher) mortgage interest rate than they're actually willing to offer you, the onus is on you, the customer, to see how far you can bargain the rate down. The problem with this scenario is that the bank has all the power. You don't know how low they're willing to go, and you may not know what an appropriate rate actually is—especially since looking at other banks' options means looking at other banks' similarly-inflated rates.
At ATB, we post the rate we're prepared to offer you—no need to bluff, second guess or twist our arms.
Pre-payment percentage based on original mortgage amount. Prepay or increase payments by 10% available on Rate First mortgages only.