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's new motto is Strong and Free. Its housing market? Not really either of those.

In August 2026, Alberta's average home sales continued to decline, this time down 11.5% year over year. Almost all centres posted sales drops, with Grande Prairie seeing the steepest drop of 21.7%. Fort McMurray was the only centre to log a sales increase.

Despite slowing provincial sales, a decline in inventory meant some submarkets are still favouring sellers, pushing the average home price up 3.8% to $519,845 compared to last August. Most centres saw price gains, except for Medicine Hat, which posted an average price drop of 1.4%.

New listings dropped on average as sellers pulled back amid slowing sales. Medicine Hat reported an increase, but the other centres saw declines ranging from -14.9% to -1.7%.

Overall, the province slid into a balanced market, with an SNLR (sales-to-new-listings ratio) of 58%, down 4.3% from August last year.

The national slowdown in immigration, along with rising consumer costs and increasing economic uncertainty amid aggressive U.S. policies, likely contributed to Alberta's decline in demand.

Source: CREA Monthly News Release

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