Our featured offers
| 4 Year High Ratio** | 4.54% | N/A |
|---|---|---|
| 4 Year Conventional** | 4.94% | N/A |
| 3 Year High Ratio | 4.69% | N/A |
| 3 Year Conventional | 5.09% | N/A |
*Eligible for up to $4,000 cash offer. See offer details.
**4 year available through select ATB channels only.
3 and 4 year and Rate First Residential Mortgage are not eligible for the cash offer.
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Client Rates
Rate First closed fixed-rate mortgages
| Term | Uninsured Insured |
| 5 years high ratio | 4.39% 4.39% |
| 5 years conventional | 4.70% 4.39% |
Closed fixed-rate mortgages
| 1 year | 6.39% |
| 2 years | 5.79% |
| 30 month | 5.54% |
| 3 years | 5.09% |
| 4 years | 4.94% |
| 5 years | 4.79% |
| 5 years Rate First | 6.30% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 1 year 6.69%, 2 years 6.04%, 30 months 5.78%, 3 years 5.32%, 4 years 5.17%, and 5 years 5.01%.
Open fixed-rate mortgages
| 6 months | 8.85% |
| 1 year | 8.85% |
| 2 years | 8.85% |
The Annual Percentage Rate (APR)* for the posted rates above open fixed-rate mortgages are: 6 month 9.05%, 1 year 8.95% and 2 years 8.90%.
Closed variable-rate mortgages
| 5 years | 5.70% |
The Annual Percentage Rate (APR)* for the posted rates above closed variable-rate mortgage is: 5 years 5.72%.
Open variable-rate mortgages
| 6 months | 7.95% |
| 1 year | 7.95% |
| 2 years | 7.95% |
The Annual Percentage Rate (APR)* for the posted rates above open variable-rate mortgages are: 6 month 8.15%, 1 year 8.05% and 2 years 8.00%.
Posted Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 5.84% |
| 5 years conventional | 6.15% |
Closed fixed-rate mortgages
| 1 year | 7.44% |
| 2 years | 6.84% |
| 30 month | 6.54% |
| 3 years | 6.54% |
| 4 years | 6.39% |
| 5 years | 6.24% |
Open fixed-rate mortgages
| 6 months | 10.35% |
| 1 year | 10.35% |
| 2 years | 10.35% |
Closed variable-rate mortgages
| 5 years | 7.45% |
Open variable-rate mortgages
| 6 months | 9.45% |
| 1 year | 9.45% |
| 2 years | 9.45% |
Rates are subject to change without notice and are on approved credit.
The mortgage must be advanced within 120 days of the date of application. Other conditions or restrictions may apply.
If you are refinancing your mortgage a premium of 0.15% is added to the above interest rates.
If you are purchasing a rental property or secondary home, or have an amortization of greater than 25 years a premium of 0.50% is added to the above interest rates.
The interest for fixed rate mortgages is calculated semi-annually, not in advance.
The interest rate for variable rate mortgages is linked to ATB’s Prime Rate, which can change at any time without notice, and calculated monthly, not in advance.
* Rate displayed for each term is Annual Percentage Rate (APR) and is based on a mortgage of $250,000 with monthly payments of a 25 year amortization, and assuming a processing fee of $250 (such as the cost of determining the value of the property). If there are no processing fees, the APR and interest rate will be the same.
Insured rates are different from Conventional rates.