Our featured offers
| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.69%* | 4.59% |
| 5 Year Conventional | 4.99%* | 4.90% |
| 5 Year Variable High Ratio | 6.05%* | N/A |
| 5 Year Variable | 6.20%* | N/A |
| 4 Year High Ratio** | 4.74% | N/A |
| 4 Year Conventional** | 5.14% | N/A |
| 3 Year High Ratio | 4.89% | N/A |
| 3 Year Conventional | 5.29% | 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.
Client Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 4.59% |
| 5 years conventional | 4.90% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 5 years high ratio 4.61% and 5 years conventional 4.95%.
Closed fixed-rate mortgages
| 1 year | 6.59% |
| 2 years | 5.99% |
| 30 month | 5.74% |
| 3 years | 5.29% |
| 4 years | 5.14% |
| 5 years | 4.99% |
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 | 6.20% |
The Annual Percentage Rate (APR)* for the posted rates above closed variable-rate mortgage is: 5 years 6.22%.
Open variable-rate mortgages
| 6 months | 8.45% |
| 1 year | 8.45% |
| 2 years | 8.45% |
The Annual Percentage Rate (APR)* for the posted rates above open variable-rate mortgages are: 6 month 8.65%, 1 year 8.55% and 2 years 8.50%.
Posted Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 6.04% |
| 5 years conventional | 6.35% |
Closed fixed-rate mortgages
| 1 year | 7.64% |
| 2 years | 7.04% |
| 30 month | 6.74% |
| 3 years | 6.74% |
| 4 years | 6.59% |
| 5 years | 6.44% |
Open fixed-rate mortgages
| 6 months | 10.35% |
| 1 year | 10.35% |
| 2 years | 10.35% |
Closed variable-rate mortgages
| 5 years | 7.70% |
Open variable-rate mortgages
| 6 months | 9.95% |
| 1 year | 9.95% |
| 2 years | 9.95% |
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There are plenty of options to make your mortgage work for you—and we're here to help you make the most of them.