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Please Note: Rates are only valid where subject property is located.

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

Everyday Rate: 2.54%

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

Limited Rate: 2.44%

  • Insured Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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2 Year

Everyday Rate: 2.19%

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

Limited Rate: 2.09%

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

Everyday Rate: 2.49%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options. 
  • No Rentals or pre-approvals

 

Limited Rate: 2.29%

  • High Ratio Purchase or Switch Only 
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Must close in 40 days
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4 Year

Everyday Rate: 2.59%

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

Limited Rate: 2.49%

  • Insurable Purchase Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments. 
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5 Year

Everyday Rate: 2.69%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments
  • Pre-Approvals at 2.79%

Limited Rate: 2.39%

  • High Ratio Purchase and Transfer Only
  • Restriced lump sum and pre-payment options
  • Must close in 40 days
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10 Year

Everyday Rate: 3.69%

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

Limited Rate: 3.64%

  • 25 year amortization maximum.
  • 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: 2.30%

  • 30 year amortization and refinances available
  • Prime - 0.40%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.80%

  • High Ratio Purchase and Switch Only
  • Owner Occupied Properties Only
  • Must close within 90 days
  • Bona-fide Sales Clause
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.20%

  • Prime +0.50%

Limited Rate: --

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