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Policy rate 2.50% since Oct 29, 2026Prime 4.70% lenders' pages Nov 2, 20265-yr GoC bond 3.58% Oct 29, 20265-yr posted (big banks) 6.19% wk of Oct 28, 2026Next BoC decision Dec 9, 2026 38 days tracker
MortgageRateToday.caCanadian rates · sourced · datedAsk Mitey
Provinces

Mortgage rates by province

Short answer

Most lenders publish one rate for all of Canada. What changes by province is which lenders are available (credit unions and ATB lend only in their own province) and what you pay to close. We publish a province page only where those differences are substantial; today that's Alberta.

Content checked How we collect and date rates
Alberta mortgage rates90 rates from lenders that lend only in Alberta; lowest 5-yr uninsured 4.59%.Open →

For other provinces, the national board filtered by province shows the lenders that lend there.

Closing a $600,000 purchase in Alberta
Closing a $600,000 purchase in Alberta: inputs, steps and result
Price / mortgage$600,000 / $480,000
Land Titles transfer fee$650$50 + $5 per $5,000
Land Titles mortgage fee$530
Government fees$1,180Alberta has no land transfer tax

See Alberta rates and costs →

Mitey the yeti talking with an older yeti on a bench
Mitey asks where you're buying first: the lenders you can use, and what closing costs, depend on the province.