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| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.09% | 3.99% |
| 5 Year Conventional | 4.39% | 4.29% |
| 5 Year Variable High Ratio | 4.30% | N/A |
| 5 Year Variable | 4.60% | 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 | 3.99% |
| 5 years conventional | 4.29% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 5 years high ratio 4.01% and 5 years conventional 4.31%.
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 | 4.39% |
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 4.41%.
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 | 4.60% |
The Annual Percentage Rate (APR)* for the posted rates above closed variable-rate mortgage is: 5 years 4.62%.
Open variable-rate mortgages
| 6 months | 6.45% |
| 1 year | 6.45% |
| 2 years | 6.45% |
The Annual Percentage Rate (APR)* for the posted rates above open variable-rate mortgages are: 6 month 6.65%, 1 year 6.55% and 2 years 6.50%.
Posted Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 5.44% |
| 5 years conventional | 5.74% |
Closed fixed-rate mortgages
| 1 year | 7.14% |
| 2 years | 6.64% |
| 30 month | 6.34% |
| 3 years | 5.94% |
| 4 years | 5.94% |
| 5 years | 5.84% |
Open fixed-rate mortgages
| 6 months | 10.35% |
| 1 year | 10.35% |
| 2 years | 10.35% |
Closed variable-rate mortgages
| 5 years | 5.95% |
Open variable-rate mortgages
| 6 months | 7.95% |
| 1 year | 7.95% |
| 2 years | 8.20% |
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There are plenty of options to make your mortgage work for you—and we're here to help you make the most of them.