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.

Get Pre-Approved now

Learn more about your Mortgage Pre-Approval

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 is Wild Rose Country, and its housing market is seeing a slight wilt.

In March 2026, Alberta's average home sales cooled again — this time by 14.5% year over year. All centres experienced a decline, with Medicine Hat (-21.4%) and Lethbridge (-21%) the steepest, while the rest of the centres ranged from -16.6% to -4.5%. 

Despite the significant sales slowdown, a drop in new listings saw submarkets still favouring sellers, pushing the provincial average home price up 1.4% to $517,713 compared to last March. Medicine Hat was the exception, which saw a slight price dip.

For the new listings decline, Fort McMurray had the steepest year-over-year decrease of 24%, while Edmonton recorded a 1.2% decline. 

Overall, the province is in a balanced market with an SNLR (sales-to-listings ratio) of 59% — down 4% from the same month last year. That market distinction is large due to the influence of the larger centres, Calgary and Edmonton, as the rest of the AB stats still show as seller's markets, with Grande Prairie the strongest with a 73% SNLR.

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