Alberta Mortgage Rates

Keep more of your money — with our lower Alberta mortgage rates.

Your best mortgage rate can save you thousands. What are you waiting for?

Apply now to get your best rate — or give us a call, drop into one of our stores, or start a chat with Morgan our chatbot.

It's free and no obligation to see what we can do for you. Our rates are lower on average compared to the competition.

Whether you're looking for a home or vacation or investment property, our highly trained True North Mortgage brokers can get your best rate possible. Plus, we can explain the ins and outs of how lenders see your application and what you can do to get an even better rate.

And, if you have more complex mortgage needs that a traditional bank can't help you with — we have the flexibility to help find a short-term mortgage solution to see you through.

A few minutes with us could save you thousands.

We'll help you get the lowest rate possible for your situation. Our friendly mortgage brokers are knowledgeable, non-commissioned and able to pass along a volume discount to get your rate even lower, sometimes with your own bank. Our volume-based approach allows us to access a wide selection of lenders and products on your behalf — to help you save the most and reach your mortgage goals sooner.

Contact us today for your best mortgage savings.

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

Alberta mortgage interest rates are always changing — but we can hold your rates for up to 4 months (depending on the lender). Plus, we can offer you flexible mortgage solutions that fit your needs, all while providing stress-free service.

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Alberta's most trusted Mortgage Brokers

True North Mortgage proudly started in Alberta, and we now have several locations in Calgary and Edmonton (and across Canada). At True North Mortgage, our highly trained brokers are obsessed with saving you money, and ensuring your mortgage is handled well and done on time.

With the best tech and tools, we help you in the way that's most convenient for you. Visit one of our locations, give us a call, or apply online today. We even have mobile brokers who can come to you.

Alberta's new motto is Strong and Free. Its housing markets? Not as much.

In July 2026, Alberta's average home sales continued their downward slide, this time down 9.6% year over year. Central Alberta (-18.9%), Lethbridge (-16.4%) and Edmonton (-10.8%) saw larger declines. Only Fort McMurray's home sales posted a gain of 18.1%.

Despite slowing provincial sales, a decline in inventory kept some submarkets favouring sellers, pushing the average home price up 2.7% to $515,740 compared to last July — all centres recorded price increases. 

New listings declined on average, likely due to slower immigration and a slower pace of new listings than last year. Grande Prairie recorded modest new-listing gains of 5.1%. The rest of the centres posted slight increases ranging from 0.6% to 1.5%. Calgary's listings dropped by 10.9%.

Overall, the province still sits in seller's market territory, with an SNLR (sales-to-listings ratio) of 60% — though easing 2.9% from last July.

The national slowdown in immigration and higher energy prices likely contributed to Alberta's decline in demand, along with higher everyday prices and increasing economic uncertainty amid aggressive U.S. policies.

Source: CREA Monthly News Release

Read more:
Housing Stats
Housing Market Forecast (2026-2029)
Rate Forecast (2025-2030)