Calgary Mortgage Rates

In a competitive market, we have the lowest mortgage rates.

Calgary — home to True North Mortgage’s first retail location — continues to host a resilient housing market, as home sales wage an increase despite recent pandemic and oil industry challenges. With buyers continuing to wade into the market, fuelled by lower lending rates and improved savings, the Calgary housing market is seeing an uptick of competition for current inventory. With reportedly less new inventory coming onto the selling block in the near future, these seller's market conditions may continue for a stretch longer.

Looking to buy a home, or refinance?

In a competitive market, take advantage of True North Mortgage's lower rates. A few minutes with our expert mortgage specialists could save you thousands on your home, income property or vacation investment. Or, if you're interested in taking advantage of lower interest rates, now may be a good time to look at refinancing your mortgage. Talk to us — we can help get the best mortgage solution for your situation, and handle the negotiating and details for you.

We're here for all your mortgage needs. Apply now to get your lowest rate.

Apply for your TrueRate in minutes.

Rules have changed. Everyone's rate is unique.

Canadian regulations have changed the way mortgages work. You must now qualify for your rate. Factors like equity in your home and personal credit will impact the rate.

Get Your Best Rate
Mortgage
Size
Term
Rates From
Payments as low as
1 Year Fixed
1.79%
$1678 /mo
2 Year Fixed
1.49%
$1678 /mo
3 Year Fixed
1.49%
$1678 /mo
4 Year Fixed
1.69%
$1678 /mo
5 Year Fixed
1.89%
$1678 /mo
5 Year Variable
1.24%
$1678 /mo
HELOC Open
2.95%
$1678 /mo

Use our Morgage Calculator for accurate payments. Rates posted here only valid in Alberta.

Lower rates than your bank

How do we do that? Our highly-trained Calgary mortgage brokers deal with all accredited lenders on your behalf, and pass along our volume discount to get your rate lower, even from your own bank.

We call it the True North Mortgage advantage, and we work hard to provide low rates with flexible mortgage solutions for a stress-free experience.

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

Calgary mortgage rates are always on the move — contact us today to hold your low mortgage rates for up to four months (depending on the lender). You’ll get fast, friendly service and a mortgage process that fits your needs.

How can our True North Mortgage broker help you?

The right mortgage rate, term and lender

Trying to find the lowest rate and right mortgage fit on your own can be daunting.

At True North Mortgage, our mortgage specialists have strong relationships with a comprehensive range of mortgage lenders, and we pass along our volume discount to help get your rate even lower. In fact, we guarantee it — if you find a lower rate on a similar mortgage, we will either beat it or give you $500.

Every mortgage is different, and we work with you to find the best mortgage product, from the right lender. Whether it’s for a purchase, refinance or renewal, we have the answers to save you time and money, for a hassle-free mortgage experience.

Check out our 5-Star reviews, to see first-hand how we've helped our clients find the right mortgage solution.

Making the application process as easy as possible

We've created a streamlined application process, and we're here to help you with the details and information you need to quickly complete your mortgage, from beginning to end.

We also provide a number of online tools, such as our mortgage payment calculator, to help you see how the numbers line up and how they may impact your payments and investment. Once we have an accurate picture of your current financial situation, we lay the numbers out in a simple format to help you make clearer decisions.

Unbiased, expert advice - completely free

Our True North Mortgage Brokers are salaried and rigorously-trained for unified, consistent service. We haggle with the lenders for you, compare their rates and products, and work out all the mortgage details, so that you don't have to.

Schedule a call-back right now, and get started on your stress-free mortgage.

We'll beat any competitor's offer

Calgary: A great place to live and work

Calgary has long earned a reputation as one of the best Canadian cities to call home. Considered the epicentre of Canada’s energy industry and known for its world-famous annual Calgary Stampede — Calgarians enjoy exceptional city and park amenities and a thriving arts and sports culture. Plus, its close proximity to rolling foothills and the stunning Rocky Mountains affords a refreshing escape from city life, attracting outdoor enthusiasts the world over.

Calgary is also a city of business. It offers attractive property investment and career opportunities, with current economic diversification underway for a healthy future outlook. Easy to get around with ample transportation options, Calgary has a lot to offer families and professionals, alike.

The Calgary housing market continues to see growth.

The strength of Calgary's oil and gas economy has contributed to a substantial infrastructure that has created an enviable lifestyle, as well as promising real estate investment opportunities.

Although the oil industry has recently endured a period of correction, where low oil prices took the shine off economic and job prospects in some areas, Calgary’s long term prospects are still very bright with continued investment in economic diversification and a solid business-driven backbone. High tech and other growth sectors offer optimism that the Calgary housing market will continue to prove resilient against downward price pressures.

In a seller's market, it's time to save with your best rate.

With Calgary’s market conditions recently moving into the seller's market range, historically low interest rates and improved savings suggest a continued opportunity for first-time buyers and move-up buyers. Current inventories demonstrate that properties are offering good value, with the potential to see these values rise as confidence returns to the energy industry and the global economy.

Getting a rate even a fraction lower could save you thousands on your investment. Contact your True North Mortgage Broker today – we're here to help you find the best mortgage solution.

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Calgary Mortgage Rates

Mortgage Rates are different across Canada. Rates are shown based on your location. If you are planning to purchase out-of-province, be sure to choose rates where the property will be located.

Canada Wide Mortgages

True North Mortgage can complete mortgages anywhere in Canada efficiently over the phone.