Get the right mortgage
for right now
Receive up to $4,000 cash and switch for free (up to $1,500 added value).
Our cash offer
For a limited time, get up to $4,000 cash on select 5-year residential mortgages. Click here for details. Hurry, offer ends October 31, 20241.
Switch for free
Get up to $1,500 waived in switching fees when you move your mortgage to ATB2. Connect with us to learn more.
Our lowest rate
Take advantage of rates as low as 4.39%* on select 5-year mortgages with the ATB Rate First Mortgage. Get started now.
Our featured rates
| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.09%* | 3.99% |
| 5 Year Conventional | 4.49%* | 4.39% |
| 4 Year High Ratio** | 4.54% | N/A |
| 3 Year High Ratio** | 4.59% | N/A |
*Eligible for up to $4,000 cash offer.
**3 and 4 year available through select ATB channels only.
3 and 4 year and Rate First Residential Mortgage are not eligible for the cash offer.
View all our mortgage rates.
Here’s how to get started
Fill out the form below to lock in your offer and a 120-day rate guarantee.
Looking to apply online?
Our new online mortgage pre-approval tool is a great place to start.
Get pre-approved from your smartphone, tablet or computer—no need to make the trip to the branch.
Other ways to get in touch with us
Making the right choice for you
Wondering whether our lowest rate or some extra cash works best for you? This table highlights where they differ in key areas. If you need more specific advice, reach out to us.
Why choose an ATB mortgage?
Whether you’re looking for a brand-new mortgage or to switch from another provider, an ATB mortgage includes:
- An application supported right here in Alberta, by Albertans with firsthand understanding of Alberta’s unique housing market and economy.
- Dedicated specialists for self-employed Albertans.
- Borrowing on up to 160 acres of land for primary residential use.
- Support for multiple property types, including residential outbuildings.
- Early renewals up to 120 days before maturity.
- Payment timing options to suit your needs (monthly, biweekly and more).
Cash offer details
Start your pre-approval today.
Frequently asked questions
With an ATB mortgage pre-approval, you’ll lock in your rate for 120 days. And if interest rates go up or down during that period? You’re still guaranteed to receive the lower rate. Not sure where to begin? Connect with us to get started.
Just apply for a select 5-year mortgage with the standard client rate, or switch your existing mortgage to ATB from another financial institution. The mortgage must be for your primary residence, in an amount of $200,000 or more, and be approved and fully advanced by October 31, 2024.
Reach out to us to get started.
Yes, this offer is exclusive only to select mortgages with our standard client rates, but ATB has all kinds of options built to suit a variety of needs and circumstances. Connect with us to find the perfect mortgage for you.
Up to $1000.00 ATB Program Fee including processing and registration fees based on a current home evaluation including properties located in national parks within Alberta.
Up to $500 in appraisal fees charged by an ATB accredited appraiser including Rural and remote areas. Additional evaluations provided will not be paid under this offer.
ATB will pay directly the First Canada Title and ATB accredited appraiser for the fees included in the offer.
No however they can be combined if qualifying criteria is met on both offers.
No. This offer is available for straight transfer in only.
Mortgage pre-qualification is the first step to pre-approval. It helps you figure out approximately how much you’ll be able to borrow and how much you’ll need for a down payment and closing costs. The mortgage provider won’t review your credit report or verify your financial information when pre-qualifying you. Instead, they’ll estimate how much you might eventually be approved for based on an overview of your finances including your income, assets and debts.
A pre-approval means that a mortgage provider does some of the initial background checking in advance and commits to give you a specific interest rate if you’re fully approved for a mortgage within 120 days. You’ll want to decide on a mortgage provider before starting the pre-approval process—where the negotiation process (for that promised interest rate) begins.
When should you seek pre-approval?
Luckily, it’s a simple process—just one form to fill out and having your income verified. If everything looks good, you should be granted pre-approval within 24 hours. Pre-approved interest rates apply for a set amount of time. With ATB, it’s 120 days for a resale or 180 for a new build. With other financial institutions, the rate holds anywhere between 90-120 days.
Sorry, no. The cash and lowest rate offers are for primary residences only but we do have other mortgage options that work for a secondary residence. Reach out to us for more info.
We’ll deposit your bonus within 60 days following the funding of the mortgage. You’ll need a personal ATB deposit account to make pre-authorized mortgage payments in order to receive the cash incentive.
Ready to lock in the offer? Get your pre-approval started.
Do you have questions about buying a home?
We’ll take you step-by-step through what you need to know (and do) when buying a home in Alberta.
Explore your mortgage possibilities with ATB
For every stage of home buying
Home Buying Advice Centre
Get the mortgage and home buying advice and solutions you need, whether you’re looking to renew, buy your first home, or start saving for one.
Choose your way home.
Find a mortgage option that fits your world.
Whether you’re buying your first home, moving somewhere new, refinancing or investing in a property, there’s an ATB mortgage built for you and your unique needs.
Still have mortgage questions?
Getting a mortgage is a big deal, it’s okay to have big questions. We're here to make it as simple, straightforward and affordable as possible.
These offers are available for select eligible residential mortgage loans for new purchases, or straight transfer-in mortgage loans to ATB from another financial institution. Offers are valid for owner-occupied primary residence only. Rates are subject to change without notice.
Cash Offer Terms & Conditions
1Offer begins February 12, 2024. This offer is available for eligible residential mortgage loans for new purchases, or straight transfer-in mortgage loans to ATB from another financial institution. Cash incentive offer expires October 31, 2024. The mortgage must be approved and fully advanced by October 31, 2024. Mortgage loan must have a principal amount of $200,000 or more and with our 5-year ATB Variable Rate or 5-year Fixed Rate loan.
A personal ATB deposit account to make pre-authorized mortgage payments is required in order to receive the cash incentive. The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced.
Qualifying customers will receive:
- $4,000 on a mortgage loan amount of $750,000 or more;
- $3,000 on a mortgage loan amount of $400,000 to $749,999;
- $2,000 on a mortgage loan of $200,000 to $399,999.
Rate(s) offered are subject to change without notice and cannot be used in conjunction with any other offer or discount for the same product, unless otherwise specified. Residential mortgage loans are subject to standard lending criteria and credit approval. Offer may change or be withdrawn at any time without notice. Limit of one (1) Cash Incentive offer per mortgage. Customers who obtain a joint ATB Mortgage will only qualify to receive one (1) Cash Incentive offer.
Switch Fees Terms & Conditions
Switch fees will be covered when you move your mortgage to ATB as a straight transfer in. This offer is available for mortgage loans that are transferred to ATB from another financial institution. No additional funds or change to amortization is allowed. Available equity may be accessed under a second mortgage product. Mortgage loans must be funded within 120 days of application date. Switch fees will be covered up to $1000.00. Allowable fees include: First Canadian Title registration fees and up to $500 in appraisal fees charged by an ATB accredited appraiser. ATB will not cover fees associated with changing names on title, private registration discharges, remote or virtual signing, interest penalties, prepayment charges or administration fees.
Mortgage value of $200K or more is required. This offer is limited to personal clients and residential switch mortgages on owner-occupied residential dwellings only. Non-personal clients, commercial/investment properties, and properties not owner-occupied are excluded. Offer is only available through select ATB channels.
Rate First Terms & Conditions
Rate First mortgages are not eligible for the cash offer. The cash offer is not available in combination with special rate offers or other mortgage offers. Options at the time of renewal may be limited in the terms provided. Conditions apply.
Mortgage Terms & Conditions
A deposit account is not required for a mortgage approval or application.
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.
The interest for fixed rate mortgages is calculated semi-annually, not in advance.*Rates quoted are for a high ratio mortgage. For conventional mortgage rates, please visit our rates page.
2 Only available through select ATB channels. The exclusive 4 year residential mortgage is not eligible for the cash offer.