AlbertaLive ratesUpdated Jun 12, 2026
Alberta mortgage rates.
No provincial sales tax and no land transfer tax — Alberta is structurally the most affordable major-market closing in Canada. Energy-economy borrower base means commission and bonus-income files are routine.
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Purchase — Alberta
As of Jun 12, 2026
Lender
Term
Type
Rate
APR
Best-in-network
50+ lender panel · MSA
5-yr
Variable
4.04%Best
4.04%
Best-in-network
50+ lender panel · MSA
5-yr
Fixed
4.19%
4.19%
Best-in-network
50+ lender panel · MSA
3-yr
Fixed
4.39%
4.39%
Best-in-network
50+ lender panel · MSA
2-yr
Fixed
4.79%
4.79%
Best-in-network
50+ lender panel · MSA
1-yr
Fixed
5.39%
5.39%
Best-in-network
50+ lender panel · MSA
10-yr
Fixed
5.69%
5.69%
Refinance — Alberta
As of Jun 12, 2026
Lender
Term
Type
Rate
APR
Best-in-network
50+ lender panel · MSA
5-yr
Variable
4.04%Best
4.04%
Best-in-network
50+ lender panel · MSA
5-yr
Fixed
4.19%
4.19%
Best-in-network
50+ lender panel · MSA
3-yr
Fixed
4.39%
4.39%
Best-in-network
50+ lender panel · MSA
2-yr
Fixed
4.79%
4.79%
Best-in-network
50+ lender panel · MSA
1-yr
Fixed
5.39%
5.39%
Best-in-network
50+ lender panel · MSA
10-yr
Fixed
5.69%
5.69%
Renewal — Alberta
As of Jun 12, 2026
Lender
Term
Type
Rate
APR
Best-in-network
50+ lender panel · MSA
5-yr
Variable
4.04%Best
4.04%
Best-in-network
50+ lender panel · MSA
5-yr
Fixed
4.19%
4.19%
Best-in-network
50+ lender panel · MSA
3-yr
Fixed
4.39%
4.39%
Best-in-network
50+ lender panel · MSA
2-yr
Fixed
4.79%
4.79%
Best-in-network
50+ lender panel · MSA
1-yr
Fixed
5.39%
5.39%
Best-in-network
50+ lender panel · MSA
10-yr
Fixed
5.69%
5.69%
Benchmark price
$540,000
Alberta provincial average · 2026
Alberta — No Land Transfer Tax
Alberta has no Land Transfer Tax. Closing costs include a small Title Registration Fee (~$50 + $2 per $5,000 of value) and a Mortgage Registration Fee (~$50 + $1.50 per $5,000) — typically under $500 total.
No LTT means no rebate needed. First-time buyers in Alberta enjoy materially lower closing costs than any other major Canadian market.
Regulator
Real Estate Council of Alberta (RECA)
Official site →Top Alberta lenders
ATB FinancialRBCTDScotiabankEquitable BankFirst National
Why Alberta rates work the way they do
Alberta has ATB Financial as a unique provincial Crown lender competing aggressively on rate alongside the Big-6 and monolines. Commission-income (energy/oilfield) and bonus-heavy income files are common — we shop lenders that average bonus income properly rather than discount it.
Mortgage brokers in Alberta
Same FSRA license, same 50+ lender network — applied to each Alberta market.
FAQ
Alberta mortgage rates — common questions.
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Correct — Alberta does not charge a provincial LTT. You pay only small Title Registration and Mortgage Registration fees totaling typically $300-$500. On a $500K Calgary home, total LTT/registration is roughly $350, vs ~$6,475 in Ontario.
Rates in other provinces
Same broker, every province — pick yours.