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| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.19% | 4.09% |
| 5 Year Conventional | 4.54% | 4.44% |
| 5 Year Variable High Ratio | 3.65% | N/A |
| 5 Year Variable | 3.95% | N/A |
| 4 Year High Ratio** | 4.39% | N/A |
| 4 Year Conventional** | 4.49% | N/A |
| 3 Year High Ratio | 4.39% | N/A |
| 3 Year Conventional | 4.49% | N/A |
**Available through select ATB channels only.
Client Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 4.09% |
| 5 years conventional | 4.44% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 5 years high ratio 4.11% and 5 years conventional 4.46%.
Closed fixed-rate mortgages
| 1 year | 6.09% |
| 2 years | 5.59% |
| 30 month | 5.34% |
| 3 years | 4.49% |
| 4 years | 4.49% |
| 5 years | 4.54% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 1 year 6.19%, 2 years 5.64%, 30 months 5.38%, 3 years 4.52%, 4 years 4.52%, and 5 years 4.56%.
Open fixed-rate mortgages
| 6 months | 8.85% |
| 1 year | 8.85% |
| 2 years | 8.85% |
The Annual Percentage Rate (APR)* for the posted rates above open fixed-rate mortgages are: 6 month 9.05%, 1 year 8.95% and 2 years 8.90%.
Closed variable-rate mortgages
| 5 years | 3.95% |
The Annual Percentage Rate (APR)* for the posted rates above closed variable-rate mortgage is: 5 years 3.97%.
Open variable-rate mortgages
| 6 months | 5.95% |
| 1 year | 5.95% |
| 2 years | 5.95% |
The Annual Percentage Rate (APR)* for the posted rates above open variable-rate mortgages are: 6 month 6.15%, 1 year 6.05% and 2 years 6.00%.
Posted Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 5.54% |
| 5 years conventional | 5.89% |
Closed fixed-rate mortgages
| 1 year conventional | 7.14% |
| 2 years high ratio | 6.54% |
| 2 years conventional | 6.64% |
| 30 month high ratio | 6.24% |
| 30 month conventional | 6.34% |
| 3 years high ratio | 5.84% |
| 3 years conventional | 5.94% |
| 4 years high ratio | 5.84% |
| 4 years conventional | 5.94% |
| 5 years high ratio | 5.64% |
| 5 years conventional | 5.99% |
Open fixed-rate mortgages
| 6 months | 10.35% |
| 1 year | 10.35% |
| 2 years | 10.35% |
Closed variable-rate mortgages
| 5 years | 5.45% |
Open variable-rate mortgages
| 6 months | 7.45% |
| 1 year | 7.45% |
| 2 years | 7.45% |
Ready to get started?
There are plenty of options to make your mortgage work for you—and we're here to help you make the most of them.
Interest rates are subject to change without notice. High Ratio Mortgage interest rate: For mortgages with down payments of less than 20%, mortgage default insurance is required (Canada Guaranty, Sagen or CMHC). Conventional Mortgage interest rate: For mortgages with down payments of 20% or more, mortgage default insurance is not required.
The mortgage loan must be advanced within 120 days of the date of application. Other conditions or restrictions may apply.
If you are refinancing your mortgage, a premium of 0.15% per year will be added to the posted interest rates.
If you are purchasing a rental property or secondary home, or have an amortization of greater than 25 years, a premium of 0.50% per year will be added to the posted interest rates.
Interest for fixed rate mortgages is compounded half-yearly, not in advance.
The interest rate for variable rate mortgages is linked to ATB Prime rate, which can change at any time without notice. Interest for variable rate mortgages is compounded monthly, not in advance.
*Interest rates displayed as an Annual Percentage Rate (APR) are based on a mortgage of $250,000, monthly payments based on a 25-year amortization and processing fees of $250. If there are no processing fees or other borrowing costs, the APR and interest rate will be the same.