AB
6 mo Fixed
2.49%
1 yr Fixed
4.29%
2 yr Fixed
3.94%
2 yr Extended
4.99%
3 yr Fixed
3.94%
4 yr Fixed
4.14%
5 yr Fixed
4.14%
5 yr Variable
3.49%
5 yr Open
4.20%
  • English
  • French
  • Search
  • About Us
  • Blog
1-877-778-4772
True North Mortgage
  • Rates Lowest Rate in Canada. Guaranteed.
  • Mortgages We have the perfect one for you.
    • Pre-Qualify in Minutes Know what you can afford
    • First-Time Home Buyers Expert help for your smooth process
    • Buying Your Next Home Buying and Selling, and Second Homes
    • Renewals and Switches We can help you save more
    • Refinancing Your Home Get a lower rate, consolidate debt
    • All Mortgages WHAT DO YOU NEED? SEE FULL LIST HERE
      • Complex Mortgage Solutions
      • Investment Properties
      • Vacation and Secondary Homes
      • Purchase Plus Improvements
      • Cash Back Mortgages
      • Mortgages for Self-Employed
      • Newcomers to Canada
      • Home Equity Line of Credit (HELOC)
      • Pre-Payment Penalties and Privileges
      • Reverse Mortgage
  • Tools Calculators & tools to help you along.
    • Mortgage Calculators Understand the costs
      • Mortgage Payment Calculator
      • Renewal Payment Calculator
      • Compare and Save Calculator
      • Affordability Calculator
      • Closing Costs Calculator
      • Land Transfer Tax Calculator
    • Digital Tools Tools to help improve the process
      • Mortgage Checklist
      • Provincial Taxes and Benefits
      • Mortgage Renewal Reminder
      • Realtor's Financing Sheet
    • Education Centre Get up to speed on your options
      • First-Time Home Buyer's Guide
      • Variable vs Fixed Mortgage Rates
      • What is an Insured Mortgage?
      • Mortgage Stress Test
      • Payment Frequency, Explained
      • Down Payments
      • Credit 101
      • Your Income
      • What is portability?
      • Glossary
      • Mortgage FAQ's
  • Contact Real people. Here to help.
    • Get a call back set a time that works for you
    • Find an Agent Company Directory
    • Our Stores Sit down with a mortgage broker
    • Write to Us Send us a message
    • Mobile Brokers Flexible hours. We come to you.
    • Call us: 1-877-778-4772 Complete the process anywhere
  • English
    • English
    • French
    • British Columbia
    • Alberta
    • Saskatchewan
    • Manitoba
    • Ontario
    • Quebec
    • Atlantic Canada
    • Other
Apply
Apply Online

Blog

Mortgage Rates

Variable vs Fixed Mortgage Rates

Variable vs Fixed Mortgage Rates

Which rate type works best for you, variable or fixed? Some pros and cons to…

Learn More
How are mortgage rates set?

How are mortgage rates set?

Are you mystified by mortgage rates? Here's how they work.

Learn More
2023 Mortgage Rate Recap

2023 Mortgage Rate Recap

What happened with mortgage rates? Did more choose a 5-year fixed rate vs. a variable…

Learn More
Will your payments drop when rates do?

Will your payments drop when rates do?

Here's why your variable-rate mortgage may not see a budget break during your term.

Learn More
Have you hit your trigger rate?

Have you hit your trigger rate?

If your variable rate has fixed payments, here's how to avoid (mortgage) trouble ahead.

Learn More
Have to renew before rates drop?

Have to renew before rates drop?

So much for timing. What choices can save you the most?

Learn More
Have variable rates peaked?

Have variable rates peaked?

After an arduous rate rise — are there savings to snag on the climb down?

Learn More
Mortgage Down Payments

Mortgage Down Payments

Want to buy a home? You'll need at least 5% down. But wait, there's more.

Learn More
7 Things About Buying Your First Home

7 Things About Buying Your First Home

Great tips for home-buying newbies — and the best guide (ever) for download.

Learn More
Previous Page
Next Page

Sign Up For Our Newsletter

Stay current with the latest topics and mortgage news. We're about quality over quantity (we don't like spam, either), and you can unsubscribe at any time.

Our Rate Guarantee

True North Mortgage guarantees you the lowest rate for the purchase of your Primary residence in Canada. You won't find a better rate anywhere! Shop and Compare. If you find a better rate, we'll beat it or give you $500.

Social Media
Contact
  • True North Mortgage
  • 3600 - Bow Valley Sq II.
  • 205 - 5th Ave S.W.
  • Calgary, AB T2P 2V7
Phone
  • Toll Free: 1-877-778-4772
Links
  • Careers
  • Press Centre
  • Privacy Policy
  • Provincial Licensing
  • Complaint Policy
Select Location:
© 2026 True North Mortgage Inc. FSRA#12700