Alberta Mortgage Rates
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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.
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Mortgage Rate Forecast (2026-2030)
Continually updated. Where rates may go now and later — and what’s driving them.
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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Market Mall
Shopping for a great deal? A simple drop-by could save you thousands. Your mortgage is a big financial commitment — a simple stop into our Market Mall store…
Intact Place
Walk in, sit down, save a pile of cash on your mortgage. One of three downtown Calgary stores, we're located downtown between 6th and 7th Ave, on the +15…
Calgary Place
Drop by, get your best rate and better mortgage.One of three downtown Calgary stores, we're located in the 5th Avenue Place building (between 4th and 5th…
Stephen Avenue Place
Hello, come on in! Talk to a friendly broker, save thousands on your mortgage. One of three downtown stores, you can find us inside Stephen Avenue Place,…
Edmonton City Centre
Walk in, and we'll quickly find your mortgage savings. Located in downtown Edmonton, on the street level of the City Centre Mall, we're here to help you…
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 Mobile Mortgage Brokers
Matthew Biernacki
Mortgage solutions designed for your long-term success.As an experienced mortgage broker, I provide a client experience built around a clear understanding…
Ngoc (Nalie) Nguyen
My name is Ngoc, but I go by Nalie. I've been in the finance industry for 20 years, and a dedicated mortgage broker for 8 of them. Given my considerable…
Uday Vasu
Before joining True North in 2018, I enjoyed helping clients with their finances through my association with CIBC. During that tenure, they recognized me…
Historical Mortgage Rates
For Alberta - Last Updated Apr 01 2026
5 Year Fixed Rate
4.14% - 4.79%
2026 (average)
3.95%
4.86%
March
4.02%
4.79%
February
3.84%
4.79%
January
3.99%
5.00%
2025 (average)
4.00%
5.43%
December
3.99%
5.00%
November
3.77%
5.00%
October
3.79%
5.25%
September
3.97%
5.49%
August
4.07%
5.49%
July
4.14%
5.49%
June
4.09%
5.49%
May
4.09%
5.49%
April
3.94%
5.49%
March
3.89%
5.54%
February
4.04%
5.69%
January
4.24%
5.69%
2024 (average)
4.59%
6.31%
December
4.24%
5.69%
November
4.24%
5.69%
October
4.24%
5.69%
September
4.27%
5.77%
August
4.47%
5.79%
July
4.64%
5.79%
June
4.69%
6.89%
May
4.70%
6.89%
April
4.84%
6.89%
March
4.79%
6.89%
February
4.92%
6.89%
January
4.90%
6.89%
2023 (average)
5.03%
6.33%
December
5.12%
6.89%
November
5.44%
6.89%
October
5.62%
6.89%
September
5.47%
6.89%
August
5.37%
6.89%
July
5.19%
6.39%
June
4.92%
5.95%
May
4.57%
5.84%
April
4.84%
5.84%
March
4.66%
5.84%
February
4.67%
5.84%
January
4.54%
5.84%
2022 (average)
4.03%
4.82%
December
4.69%
5.82%
November
4.92%
5.74%
October
5.01%
5.70%
September
4.44%
5.54%
August
4.34%
5.54%
July
4.52%
5.54%
June
4.37%
5.10%
May
3.89%
4.66%
April
3.72%
4.23%
March
3.14%
3.64%
February
2.76%
3.20%
January
2.52%
3.07%
2021 (average)
1.89%
2.41%
December
2.39%
2.94%
November
2.37%
2.91%
October
2.09%
2.74%
September
1.84%
2.39%
August
1.79%
2.39%
July
1.79%
2.39%
June
1.79%
2.29%
May
1.79%
2.29%
April
1.89%
2.29%
March
1.89%
2.29%
February
1.62%
2.06%
January
1.43%
1.99%
2020 (average)
2.02%
2.43%
December
1.49%
1.99%
November
1.59%
1.99%
October
1.62%
2.04%
September
1.77%
2.05%
August
1.82%
2.22%
July
1.89%
2.39%
June
1.99%
2.42%
May
2.23%
2.65%
April
2.43%
2.88%
March
2.35%
2.68%
February
2.49%
2.86%
January
2.64%
3.01%
2019 (average)
2.76%
3.09%
December
2.55%
2.92%
November
2.40%
2.92%
October
2.52%
2.94%
September
2.45%
2.85%
August
2.47%
2.79%
July
2.57%
2.84%
June
2.66%
2.90%
May
2.82%
3.09%
April
2.92%
3.19%
March
3.13%
3.38%
February
3.32%
3.58%
January
3.30%
3.69%
2018 (average)
3.15%
3.61%
December
3.39%
3.80%
November
3.41%
3.83%
October
3.22%
3.67%
September
3.19%
3.67%
August
3.19%
3.66%
July
3.14%
3.61%
June
3.14%
3.61%
May
3.14%
3.61%
April
3.00%
3.54%
March
3.00%
3.54%
February
3.04%
3.48%
January
2.93%
3.37%
2017 (average)
2.53%
2.88%
December
2.79%
3.29%
November
2.72%
3.29%
October
2.84%
3.28%
September
2.76%
3.16%
August
2.59%
2.99%
July
2.56%
2.78%
June
2.39%
2.49%
May
2.24%
2.54%
April
2.30%
2.62%
March
2.39%
2.72%
February
2.39%
2.72%
January
2.44%
2.74%
2016 (average)
2.29%
2.58%
December
2.42%
2.69%
November
2.20%
2.47%
October
2.09%
2.39%
September
2.14%
2.49%
August
2.24%
2.57%
July
2.24%
2.57%
June
2.24%
2.57%
May
2.34%
2.59%
April
2.34%
2.59%
March
2.34%
2.69%
February
2.39%
2.69%
January
2.49%
2.69%
2015 (average)
2.45%
2.66%
December
2.47%
2.69%
November
2.47%
2.69%
October
2.33%
2.59%
September
2.39%
2.59%
August
2.39%
2.59%
July
2.39%
2.59%
June
2.44%
2.59%
May
2.44%
2.59%
April
2.44%
2.69%
March
2.49%
2.69%
February
2.54%
2.79%
January
2.59%
2.79%
2014 (average)
2.87%
3.04%
December
2.72%
2.89%
November
2.74%
2.89%
October
2.74%
2.89%
September
2.74%
2.89%
August
2.74%
2.89%
July
2.79%
2.99%
June
2.89%
3.04%
May
2.89%
3.04%
April
2.97%
3.15%
March
2.97%
3.15%
February
3.09%
3.29%
January
3.19%
3.39%
5 Year Variable Rate
3.49% - 5.00%
2026 (average)
3.49%
5.00%
March
3.49%
5.00%
February
3.49%
5.00%
January
3.49%
5.00%
2025 (average)
4.00%
5.06%
December
3.60%
5.00%
November
3.60%
5.00%
October
3.60%
5.00%
September
3.85%
5.00%
August
4.10%
5.00%
July
4.10%
5.00%
June
4.10%
5.00%
May
4.10%
5.00%
April
4.10%
5.00%
March
4.10%
5.00%
February
4.35%
5.25%
January
4.44%
5.44%
2024 (average)
5.52%
6.75%
December
4.35%
5.50%
November
4.85%
5.95%
October
5.10%
6.20%
September
5.25%
6.45%
August
5.50%
6.70%
July
5.50%
6.70%
June
5.75%
7.05%
May
5.99%
7.30%
April
5.99%
7.30%
March
5.99%
7.30%
February
5.99%
7.30%
January
5.99%
7.30%
2023 (average)
5.77%
6.96%
December
5.99%
7.30%
November
5.99%
7.30%
October
5.99%
7.30%
September
5.99%
7.30%
August
5.99%
7.30%
July
6.00%
7.19%
June
5.75%
6.85%
May
5.50%
6.60%
April
5.50%
6.60%
March
5.50%
6.60%
February
5.50%
6.60%
January
5.50%
6.60%
2022 (average)
2.93%
3.77%
December
5.25%
6.28%
November
4.75%
5.70%
October
4.75%
5.70%
September
4.25%
4.95%
August
3.50%
4.45%
July
3.50%
4.45%
June
2.46%
3.39%
May
1.95%
2.75%
April
1.65%
2.50%
March
1.13%
1.84%
February
0.99%
1.65%
January
0.99%
1.55%
2021 (average)
1.14%
1.58%
December
0.99%
1.55%
November
0.90%
1.55%
October
1.09%
1.55%
September
1.09%
1.55%
August
1.09%
1.55%
July
1.09%
1.55%
June
1.19%
1.55%
May
1.19%
1.55%
April
1.24%
1.65%
March
1.24%
1.65%
February
1.24%
1.65%
January
1.29%
1.75%
2020 (average)
1.91%
2.24%
December
1.38%
1.79%
November
1.55%
1.80%
October
1.55%
1.90%
September
1.63%
1.88%
August
1.67%
2.00%
July
1.79%
2.03%
June
1.79%
2.03%
May
1.96%
2.23%
April
2.01%
2.41%
March
2.24%
2.64%
February
2.70%
3.10%
January
2.70%
3.10%
2019 (average)
2.70%
3.20%
December
2.70%
3.10%
November
2.70%
3.10%
October
2.70%
3.10%
September
2.70%
3.10%
August
2.70%
3.10%
July
2.70%
3.10%
June
2.70%
3.10%
May
2.70%
3.20%
April
2.75%
3.20%
March
2.75%
3.40%
February
2.70%
3.45%
January
2.65%
3.45%
2018 (average)
2.34%
2.89%
December
2.65%
3.35%
November
2.65%
3.25%
October
2.48%
3.02%
September
2.40%
2.80%
August
2.40%
2.80%
July
2.40%
2.80%
June
2.15%
2.62%
May
2.19%
2.55%
April
2.21%
2.85%
March
2.21%
2.85%
February
2.21%
2.85%
January
2.17%
2.94%
2017 (average)
1.90%
2.46%
December
1.98%
2.75%
November
1.98%
2.75%
October
2.05%
2.75%
September
2.15%
2.67%
August
1.90%
2.50%
July
1.95%
2.50%
June
1.75%
2.25%
May
1.75%
2.25%
April
1.78%
2.25%
March
1.80%
2.30%
February
1.80%
2.30%
January
1.90%
2.30%
2016 (average)
2.02%
2.30%
December
1.90%
2.30%
November
1.90%
2.30%
October
1.90%
2.30%
September
1.95%
2.30%
August
1.95%
2.30%
July
1.95%
2.30%
June
2.05%
2.30%
May
2.10%
2.30%
April
2.10%
2.30%
March
2.10%
2.30%
February
2.15%
2.30%
January
2.15%
2.30%
2015 (average)
1.97%
2.18%
December
2.10%
2.20%
November
2.02%
2.16%
October
1.90%
2.05%
September
1.90%
2.05%
August
1.85%
2.05%
July
1.92%
2.15%
June
2.05%
2.25%
May
1.98%
2.25%
April
1.98%
2.25%
March
1.98%
2.25%
February
1.98%
2.25%
January
2.00%
2.28%
2014 (average)
2.29%
2.44%
December
2.13%
2.35%
November
2.15%
2.35%
October
2.15%
2.35%
September
2.20%
2.35%
August
2.25%
2.35%
July
2.30%
2.50%
June
2.35%
2.50%
May
2.35%
2.50%
April
2.35%
2.50%
March
2.40%
2.50%
February
2.40%
2.50%
January
2.40%
2.50%
Alberta is Wild Rose Country, with a slightly wilting housing market.
In February 2026, Alberta's average home sales cooled by 8.4% year over year. Most of the centres contributed to the decrease in home sales, with Grande Prairie and Edmonton leading the way. Medicine Hat, Central AB, and Lethbridge went against the grain with home sale increases ranging from 3.2% to 7.3%.
Despite a drop in sales and a rise in new listings in most major AB centres, the provincial average home price still rose 2.4% to $517,713 compared to February 2025, likely due to local competition outweighing the overall economic market mood. Canada's population declined in 2025 (for the first time), but Alberta continues to attract more immigrants and emigrants than other Canadian provinces.
New listings were a mixed bag across Alberta, with Edmonton showing the largest year-over-year increase of 9.6%, while Grande Prairie experienced the steepest drop of 21%.
Overall, the province moved into a balanced market with an SNLR (sales-to-listings ratio) of 59% — down 8% from the same month last year. That distinction is only because of the larger centres of Calgary and Edmonton, as the rest of the AB centre stats still show them as seller's markets, with Medicine Hat showing as the strongest.
Read more:
Housing Stats
Housing Market Forecast (2026-2029)
Rate Forecast (2025-2030)
Alberta Housing Market Update
Alberta February 2026 Housing Statistics
| Number Sold | % YOY | Average Price | % YOY | New Listings | % YOY | Sales to Listing Ratio | Market | |
|---|---|---|---|---|---|---|---|---|
| Calgary | 2,327 | -9.0 | 634,857 | +1.1 | 4,240 | +1.9 | 55 | Balanced |
| Edmonton | 2,219 | -10.6 | 457,036 | +2.4 | 3,820 | +9.6 | 58 | Balanced |
| Fort McMurray | 105 | -8.7 | 374,698 | +4.7 | 144 | -11.1 | 73 | Sellers |
| Grande Prairie | 171 | -35.7 | 383,873 | +2.7 | 274 | -21.0 | 62 | Sellers |
| Lethbridge | 262 | +4.8 | 451,637 | +12.7 | 338 | +7.3 | 78 | Sellers |
| Medicine Hat | 118 | +7.3 | 380,577 | +6.8 | 136 | -0.7 | 87 | Sellers |
| Central AB | 453 | +3.2 | 461,457 | +13.9 | 685 | +5.5 | 66 | Sellers |
Data Source: Sagen Housing Market Updates
Want more info about rates? Read on
Variable vs Fixed Mortgage Rates
Which rate type works best for you, variable or fixed? Some pros and cons to help you decide.
Worried about your renewal?
Higher rates painting you into a budget corner? Get help to find a way out.
Complex Mortgages
Don't fit the mortgage mould? We can help customize your solution.
Your best rate is calling.
Alberta Mortgage Rates
Mortgage Rates are different across Canada. Rates are shown based on your location. If you're planning to purchase out-of-province, be sure to choose rates where the property will be located.
Canada Wide Mortgages
True North Mortgage can efficiently complete your mortgage anywhere you are in Canada — online, over the phone or at our store locations.
British Columbia
- Abbotsford ,
- Burnaby ,
- Chilliwack ,
- Coquitlam ,
- Courtenay ,
- Kamloops ,
- Kelowna ,
- Nanaimo ,
- New Westminster ,
- Prince George ,
- Richmond ,
- Saanich ,
- Surrey ,
- Vancouver ,
- Vernon ,
- Victoria ,
- White Rock
Alberta
- Airdrie ,
- Calgary ,
- Edmonton ,
- Fort McMurray ,
- Grande Prairie ,
- Lethbridge ,
- Lloydminster ,
- Medicine Hat ,
- Red Deer
Saskatchewan
Manitoba
Ontario
- Barrie ,
- Belleville ,
- Brampton ,
- Brantford ,
- Burlington ,
- Cornwall ,
- Guelph ,
- Hamilton ,
- Kanata ,
- Kingston ,
- Kitchener ,
- London ,
- Markham ,
- Milton ,
- Mississauga ,
- Niagara Falls ,
- North Bay ,
- Oakville ,
- Oshawa ,
- Ottawa ,
- Peterborough ,
- Sarnia ,
- Sault Ste. Marie ,
- St. Catharines ,
- Sudbury ,
- Thunder Bay ,
- Toronto ,
- Vaughan ,
- Windsor ,
- Woodstock
Quebec
Atlantic Canada
- Charlottetown ,
- Fredericton ,
- Halifax ,
- Moncton ,
- Saint John ,
- St. John's