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Current Alberta Mortgage Rates


Our lower rates can make a difference.

In recent years, Alberta’s thriving economy has been spurred by its energy-related industries, as well as a significant influx of workers and their families. Alberta’s housing market is becoming increasingly competitive, with prices appreciating every year.

Our mortgage brokers can help you handle the higher, sustained real estate values by providing the lowest current mortgage rates in Alberta—even from your own bank. Our volume-basis rate discount means you can save thousands on your home, income property or vacation investment. Visit us, call or apply online today.

The sooner you contact us, the sooner we can hold your rate.

Alberta mortgage interest rates can fluctuate—we can hold your low mortgage rates for up to four months (depending on the lender). Plus, we can offer you flexible mortgage solutions that fit your needs, all while providing exceptional, unified service.



Fixed Mortgages - Closed

Term Everyday Rate Limited Rate  
1 Year 2.79% --
 
  • 30 year amortization maximum, 25 year on High Ratio
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
  • No pre-approvals available.
2 Year 2.59% 2.54%
 
  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 30 year amortization maximum, 25 year on High Ratio
  • Collateral Charge
  • 15% lump sum payments allowed.
  • 15% increase to regular payments
3 Year 2.74% 2.49%
 
  • 30 year amortization maximum.
  • 15% / 15%+ prepayment options. 

 

  • 20% / 20%+ prepayment options.
  • High Ratio purchase or Transfer only (CMHC or Genworth)
  • Must close in 30 days
4 Year 2.79% --
 
  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
5 Year 3.09% 2.94%
 
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • Pre-approvals available
  • Must close within 30 days
  • 20% lump sum & 20% increase to regular payments
  • High Ratio Only.
10 Year 4.29% --
 
  • 30 year amortization maximum.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
  • Pre-approvals not available at this rate

Fixed Mortgages - Convertible

Term Everyday Rate Limited Rate  
Draw 3.00% --
 

Used for construction mortgages

1 Year rate

Variable Mortgages - Closed

Term Everyday Rate Limited Rate  
5 Year 2.50% 2.35%
 
  • Prime - 0.50%
  • 10% lump sum payments allowed.
  • 100%+ increase to regular payments. 
  • 20% lump sum payments & 20% increase to regular payments
  • New purchase and High Ratio transfer Only
  • Not available on rental properties.

Variable Mortgages - Open

Term Everyday Rate Limited Rate  
HELOC 3.50% --
 
  • Prime +0.50%