Best Mortgage Rates in Alberta
Compare Alberta mortgage rates by lender, program and term. Current snapshot: 5-year fixed from 4.14% and 5-year variable from 3.55%.
| Lender | Term | Program | Fixed | Variable | Payment example | Inquiry |
|---|---|---|---|---|---|---|
| CIBC Big-6 bank comparison | 5-Year | Insured | 4.64% | 3.95% | $2,806/mo | |
| BMO Big-6 bank comparison | 5-Year | Insured | 4.74% | 4.10% | $2,834/mo | |
| TD Big-6 bank comparison | 5-Year | Insured | 4.84% | 4.19% | $2,862/mo | |
| RBC Big-6 bank comparison | 5-Year | Insured | 4.89% | 3.95% | $2,876/mo |
Rates are for comparison and SEO data publishing. Availability depends on lender criteria, mortgage amount, property type, credit, income, LTV, transaction type, province, and insurer eligibility.
Alberta mortgage market snapshot
Average home price reference: $512,000. Rate differences can matter more in higher-price markets because a small basis-point reduction can create large interest savings.
Alberta mortgage rate questions
What is the lowest mortgage rate in Alberta today?
The lowest published Alberta rate snapshot includes 5-year fixed from 4.14% and 5-year variable from 3.55%, updated June 4, 2026.
Are mortgage rates different in Alberta?
Yes. Availability can depend on lender coverage, provincial programs, property values and mortgage type. RateShop publishes province-specific comparison data.
Do I automatically qualify for the lowest rate?
No. Lowest published rates can depend on mortgage amount, province, property type, credit score, income, LTV, transaction type, insurer eligibility, and lender criteria.
How does RateShop make money?
RateShop captures rate inquiries and may share inquiries with mortgage lead buyers or partners, subject to consent and applicable rules.