Unlock this mortgage offer
Take advantage of our amazing cash offer or our lowest rate, plus no fees to switch and local mortgage experts who are there when you need it.
Unlock the best rate or cash when you switch to ATB
Cash back or lowest rate? We’ve got the keys to the best mortgage.
Cash offer
For a limited time, get up to $6,000* cash on select 3, 4 or 5 year mortgages when you transfer from your current lender.
Get $6,000 cashLowest rate offer
Take advantage of our lowest rate of 3.99%* on a 5-year ATB Rate First mortgage.
Lock in a 3.99% rateSwitch for free
No matter which door you open you can get up to $1,500 waived towards appraisal and registration fees when you move your mortgage to ATB1.
Secure this offerCurious what’s behind each offer door?
- Help with cash flow: A little extra cash can help with closing costs, debt repayment or saving for that next tropical vacation.
- Renos, decor, house splurges: Why not use the bonus cash for that couch you’ve been eyeing?
- We love a good investment strategy: Invest the cash into something that might be able to earn a higher return.
- Give your credit card some rest: Make a payment towards some high interest debt like a credit card.
- Lump-sum mortgage payment: Pay down your mortgage to reduce your interest costs.
- Lower your cost of borrowing: Lower interest rates over the life of a loan can contribute to significant savings.
- Financial flexibility: If you’re paying lower monthly payments that frees up your cash flow to invest elsewhere or for that weekly grocery run.
- Fast track to equity: A lower interest rate can help you build up your equity faster because a larger portion of your monthly payment goes towards the principal instead of interest.
Our best rates
| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.09% | 3.99% |
| 5 Year Conventional | 4.39% | 4.29% |
| 5 Year Variable High Ratio | 4.30% | N/A |
| 5 Year Variable | 4.60% | N/A |
| 4 Year High Ratio** | 4.39% | N/A |
| 4 Year Conventional** | 4.49% | N/A |
| 3 Year High Ratio | 4.39% | N/A |
| 3 Year Conventional | 4.49% | N/A |
**Available through select ATB channels only.
The difference between a high ratio and conventional mortgage lies in the down payment amount and the requirement for mortgage default insurance.
A high ratio mortgage requires a down payment of less than 20% of the home's purchase price (between 5% and 19.99%). In Canada, it's mandatory to purchase mortgage default insurance for high ratio mortgages.
A conventional mortgage requires a down payment of 20% or more of the home's purchase price. Mortgage default insurance is not typical for conventional mortgages.
An ATB Residential Mortgage provides flexible terms from 6 months to 7 years, with both fixed and variable rate options. You can make lump sum payments and increase payments of up to 20% of the original mortgage amount per year. With this mortgage, you have the ability to skip payments and refinance.
An ATB Rate First Residential Mortgage is our lowest rate mortgage, for a 5-year fixed term. You can make lump sum payments and increase payments of up to 10% of the original mortgage amount per year. With this mortgage, skipped payments and refinancings are not offered.
Secure your best mortgage offer and get expert help
Get personalized advice, see your rate options, and explore how our cash offer could work for you —no credit check required.
Frequently asked questions
With an ATB mortgage pre-approval, you’ll lock in your rate for 120 days. And if the interest rate is lower at the time of funding, you’re still guaranteed to receive the lower rate.
Just apply for a select 3, 4 or 5 year residential mortgage with the rates above and open a personal Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments. 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, 2025. Connect with us to get started.
Yes, this offer is exclusive only to select residential mortgages with our standard client rates, but ATB has a variety of mortgage options built to suit a variety of needs and circumstances. Connect with us to find the perfect mortgage for you.
Sorry, no. The cash and lowest rate offers are for primary residences only, but we do have other mortgage options designed specifically 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 Unlimited, ATB Advantage, Generation or Freedom deposit account to make pre-authorized mortgage payments in order to receive the cash incentive. Ready to lock in the offer? Connect with an expert today.
You bet you can. Just reach out to us to get the ball rolling. We're available online, by phone and in-person to guide you at every stage of your home buying journey. To ensure a smooth transition to ATB, we recommend starting the switching process at least three weeks before your current mortgage maturity date.
ATB will make the process as simple as possible. You can connect with our team of experts virtually or in person. We will require a few documents to get started, such as a property tax assessment, current mortgage statement, and proof of income. Once we have these documents, leave the rest up to us! We will ensure your mortgage transfer goes smoothly every step of the way.
When transferring an existing mortgage, ATB covers up to $1,0001 in program fees, including processing and registration fees, based on a current home evaluation. This includes properties located within Alberta’s national parks.
Additionally, we’ll cover appraisal fees up to $5001 from an ATB-approved appraiser, even for rural and remote areas. However, any additional appraisals won’t be covered under this offer.
ATB will directly handle payments to First Canada Title and reimburse the cost of our accredited appraisers for the fees that are included in the switch offer.
Yes, they can be combined if qualifying criteria is met on both offers.
It might! Our experts can help find the best mortgage solution and offer that will suit your needs. Reach out to us and we can help you explore your options.
Still have mortgage questions?
Set up a one-on-one conversation about all things mortgage with an ATB expert.
Mortgage options and resources
Residential Mortgage Loan
Manage your mortgage with fixed and variable terms, customizable payment options, and prepayment privileges. You can up your payments at your discretion.
Rate First Mortgage Loan
Take advantage of our lowest rate. Lock in a 5-year, fixed rate and enjoy knowing your rate and payment will stay the same for the entire term.
Mortgage Payment Calculator
Discover how different variables like payment increases, lump sum payments or different interest rates impact your mortgage cost.
Switch to ATB
Find out how and why to switch your mortgage to ATB. Our dedicated team of experts will make the process simple and easy.
Why choose an ATB mortgage
We're Alberta's mortgage team. Our in-depth knowledge of the housing market and dedication to the community will ensure you receive exceptional service.
Unlock more with ATB
Rest easy
Loan Protection
Mortgage protection insurance from ATB will protect your loved ones from financial risk in the event of unexpected illness, disability or death.
Protect your home
Home Insurance
Get a disappearing deductible, identity theft coverage, optional overland water protection and more—all at 15% off for ATB clients.
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.
*Cash Bonus Offer Terms and Conditions
Offer begins February 10, 2025. This offer is available for eligible residential mortgage loans for new purchases (including 30 year amortization), or straight transfer-in mortgage loans to ATB from another financial institution, on primary residences only. Cash incentive offer expires October 31, 2025. The mortgage must be approved and fully advanced by October 31, 2025. Mortgage loans must have a principal amount of $200,000 or more and with our 5-year ATB Variable Rate or 3, 4 or 5-year Fixed Rate on ATB Residential Mortgage loan(s). This offer is not available on secondary residences, such as vacation properties or rental homes.
A personal ATB Unlimited, Advantage, Generation or Freedom 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:- $6,000 on a mortgage loan amount of $1M + or more;
- $5,000 on a mortgage loan amount of $750,000 to $999,999
- $4,000 on a mortgage loan amount of $500,000 to $749,999
- $3,000 on a mortgage loan amount of $300,000 to $499,999;
- $2,000 on a mortgage loan of $200,000 to $299,999.
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.
Rate First Terms & Conditions
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. 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. This offer is eligible for the fee waiver on straight transfer in mortgages. 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 or 30 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.
Some rates are only available through select ATB channels.
Cash Bonus Offer Payout Process
The cash incentive will be deposited into this personal ATB deposit account within 60 days of the mortgage being fully advanced (deadline October 31, 2025). The last cash payout will be made into the eligible Unlimited, Advantage, Generation or Freedom deposit account (based on tiers) by 5:00pm MT on December 31, 2025 if all of the qualifying requirements are fulfilled. Clients have until 5:00pm MT on January 31, 2026 to notify ATB if you believe you qualify for the Mortgage Cash Incentive Offer and have not received the cash, so that we can verify your eligibility. Payout for inquiries can be expected within 5 business days from the time eligibility is verified.