How a second (or third or seventh!) mortgage can work for you.
Many lenders post inflated mortgage rates, then expect customers to negotiate. With our No Bull Mortgage principle, the rates you see are the rates you can expect to pay.
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.
Find the mortgage that's right 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.