Alberta mortgage rates today
The lowest 5-year fixed rate we collected from lenders that lend in Alberta was 4.34% insured (ATB Financial) and 4.59% with 20%+ down (ATB Financial). The board below covers national lenders and ATB Financial, Servus Credit Union, Lakeland Credit Union, Vision Credit Union, Christian Credit Union, Bow Valley Credit Union, nesto.
| Term | Insured (under 20% down) | Uninsured (20%+ down) | Big-bank posted | Average new loan (BoC) |
|---|---|---|---|---|
| 1-year | Christian Credit Union · source · Nov 1 · AB only · page doesn't split insured$2,834.47/mo | Christian Credit Union · source · Nov 1 · AB only · page doesn't split insured$2,834.47/mo | 5.49%wk of Oct 28 | 4.94% / 5.31%insured / uninsured, Aug 2026 |
| 2-year | Lakeland Credit Union · source · Nov 1 · AB only$2,736.87/mo | Lakeland Credit Union · source · Nov 1 · AB only$2,764.59/mo | — | 4.94% / 5.31%insured / uninsured, Aug 2026 |
| 3-year | Lakeland Credit Union · source · Nov 1 · AB only$2,681.85/mo | Bow Valley Credit Union · source · Nov 1 · AB only · page doesn't split insured$2,764.59/mo | 6.05%wk of Oct 28 | 4.02% / 4.13%insured / uninsured, Aug 2026 |
| 4-year | Lakeland Credit Union · source · Nov 1 · AB only$2,709.29/mo | Lakeland Credit Union · source · Nov 1 · AB only$2,792.44/mo | — | 4.02% / 4.13%insured / uninsured, Aug 2026 |
| 5-year | ATB Financial · source · Nov 1 · AB only$2,723.07/mo | ATB Financial · source · Nov 1 · AB only$2,792.44/mo | 6.19%wk of Oct 28 | 4.12% / 4.58%insured / uninsured, Aug 2026 |
| 7-year | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,979.59/mo | RBC Royal Bank · source · Nov 1 · page doesn't split insured$2,979.59/mo | — | 4.12% / 4.58%insured / uninsured, Aug 2026 |
| 10-year | Tangerine · source · Nov 2 · page doesn't split insured$3,169.37/mo | Tangerine · source · Nov 2 · page doesn't split insured$3,169.37/mo | — | 4.12% / 4.58%insured / uninsured, Aug 2026 |
| Lowest insured 5-yr fixed | 4.34%ATB Financial |
|---|---|
| Lowest 20%+ down 5-yr fixed | 4.59%ATB Financial |
| Monthly payment, insured → 20%+ down | $2,450.76 → $2,513.19 |
| Interest gap over 5 years | $5,386 |
What's different in Alberta
Alberta has no land transfer tax. Buyers pay Land Titles fees instead: $50 + $5 per $5,000 of the property's value to register the transfer and $50 + $5 per $5,000 of the mortgage amount to register the mortgage (schedule effective October 1, 2026). On a $600,000 purchase with a $480,000 mortgage that's $650 + $530.
Alberta also has lenders found nowhere else: ATB Financial and the province's credit unions (Connect First has merged into Servus). Deposits at Alberta credit unions are guaranteed by the Credit Union Deposit Guarantee Corporation, a provincial corporation. For Calgary-specific rates and costs, see CalgaryMortgageRates.com.
Alberta lenders on our board
- ATB Financial · Bank
- Servus Credit Union · Credit union
- Lakeland Credit Union · Credit union
- Vision Credit Union · Credit union
- Christian Credit Union · Credit union
- Bow Valley Credit Union · Credit union
- nesto · Digital lender
Frequently asked questions
What is the lowest 5-year mortgage rate in Alberta?
Of the rates we collected on Nov 2, 2026 from lenders that lend in Alberta, the lowest 5-year fixed was 4.34% insured (ATB Financial) and 4.59% with 20%+ down (ATB Financial).
Are mortgage rates different in Alberta?
National lenders usually publish one rate for all of Canada. The difference is the regional lenders available in Alberta (ATB Financial, Servus Credit Union, Lakeland Credit Union, Vision Credit Union, Christian Credit Union, Bow Valley Credit Union, nesto) and the cost of closing.
Primary sources
- Government of Alberta — Land Titles and Surveys common documents fee schedule (effective October 1, 2026). Checked .
- Credit Union Deposit Guarantee Corporation — FAQ. Checked .
- ATB Financial — Mortgage rates page. Checked .
- Servus Credit Union — Mortgage rates page. Checked .
- Lakeland Credit Union — Mortgage rates page. Checked .
- Vision Credit Union — Mortgage rates page. Checked .
- Christian Credit Union — Mortgage rates page. Checked .
- Bow Valley Credit Union — Mortgage rates page. Checked .
- nesto — Mortgage rates page. Checked .