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Please Note: Rates are only valid for subject properties located in Alberta
Today's rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 3.19%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: --

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2 Year

Everyday Rate: 3.14%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: 2.79%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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3 Year

Everyday Rate: 2.89%

  • 25 year amortization and refinances available
  • 15% / 15%+ prepayment options.
  • 30 year amortization at 2.99%

Limited Rate: 2.79%

  • 25 year amortization
  • 20% / 20%+ prepayment options.
  • High Ratio Only
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4 Year

Everyday Rate: 3.14%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 

Limited Rate: --

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5 Year

Everyday Rate: 2.89%

  • %25 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • 30 year amortization @ 2.9

Limited Rate: 2.64%

  • High Ratio Only
  • 20%/20% pre-payment options
  • Must close in 90 days
  • Bona-fide Sales Clause
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10 Year

Everyday Rate: 3.85%

  • Refinancing available. 
  • 25 year amortization.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: 3.19%

  • Loan to Value restrictions apply. 
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 3.10%

  • 25 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
  • 30 year amortization at 3.20%

Limited Rate: 2.70%

  • Prime -1.25%
  • High Ratio Only
  • Restricted Product
  • Must close in 90 days
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 4.45%

  • Prime +0.50%

Limited Rate: --

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Get the Best Mortgage Rate in Alberta

With mortgage rates on the rise and the majority of Alberta housing markets seeing home prices settling down to 2013/2014 levels, it’s more important than ever to ensure you are saving the most with your Mortgage. While first-time buyers can benefit from lower prices and historically low mortgage rates, they now have to pass the new stress test implemented by the federal government. Along with the stress test, new rules mean that mortgage rates truly have to be tailored to every client in todays market.

Find out mortgage insurance changes things, and get some clairity on rate options.
 

Your Personal Mortgage Rate

Our lowest advertised rates may not be available to all clients available to all buyers for all properties; not just on our site, but across the internet. Along with the stress test, regulations impact the way rates work; Now your rate is affected by the downpayment amount in proportion to the overall mortgage size, your credit score, and even purchase timelines.

Our mortgage brokers can help you understand your exact rate will be with no obligation.  We are committed to help Albertans secure the lowest mortgage rate and best product for every situation. Our volume based approach allows us to do this with a wide selection of lenders - in some cases, even with your own bank!  This means you can save thousands on your home, income property or vacation investment. 

Visit us, call or apply online, right now.

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

Alberta mortgage interest rates are rising — but 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.

Pre-qualify now.

Alberta’s most trusted Mortgage Brokers

True North Mortgage started in Alberta, and we have several stores in Calgary and Edmonton. We know you value excellent service in-person or on the phone. True North Mortgage can provide mortgages anywhere in Alberta, or anywhere in Canada, over the phone. Visit one of our locations today, or call us today.