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AlbertaLive ratesUpdated Aug 19, 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.

5-star rated| FSRA #13737| 50+ languages

Best Alberta rates

Updated Aug 19, 2026

5-yr fixed

4.09%

5-yr variable

3.55%

3-yr fixed

3.99%

2-yr fixed

3.99%

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Live · updated Aug 19, 2026

Lowest offer per term across 100+ lenders

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Lender

Term

Type

Rate

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UM

UnionLink Mortgage (For Exclusive Partners Only) Best

Monoline

5-yr

Variable

3.55%APR 3.55% · $2,811/mo

UM

UnionLink Mortgage (For Exclusive Partners Only) Best

5-yr · Variable

3.55%

APR 3.55% · $2,811/mo

Radius Financial

Monoline Broker-only

3-yr

Variable

3.55%APR 3.55% · $2,811/mo

Radius Financial

3-yr · Variable Broker-only

3.55%

APR 3.55% · $2,811/mo

Marathon Mortgage Corp

Monoline Broker-only

0.5-yr

Fixed

3.64%APR 3.64% · $2,837/mo

Marathon Mortgage Corp

0.5-yr · Fixed Broker-only

3.64%

APR 3.64% · $2,837/mo

Servus Credit Union

Credit Union

3-yr

Fixed

3.99%APR 3.99% · $2,943/mo

Servus Credit Union

3-yr · Fixed

3.99%

APR 3.99% · $2,943/mo

Scotiabank

Bank

2-yr

Fixed

3.99%APR 3.99% · $2,943/mo

Scotiabank

2-yr · Fixed

3.99%

APR 3.99% · $2,943/mo

Servus Credit Union

Credit Union

5-yr

Fixed

4.09%APR 4.09% · $2,973/mo

Servus Credit Union

5-yr · Fixed

4.09%

APR 4.09% · $2,973/mo

UM

UnionLink Mortgage (For Exclusive Partners Only)

Monoline

1-yr

Fixed

4.19%APR 4.19% · $3,004/mo

UM

UnionLink Mortgage (For Exclusive Partners Only)

1-yr · Fixed

4.19%

APR 4.19% · $3,004/mo

Scotiabank

Bank

4-yr

Fixed

4.24%APR 4.24% · $3,019/mo

Scotiabank

4-yr · Fixed

4.24%

APR 4.24% · $3,019/mo

Wealth One Bank of Canada

Alternate

1-yr

Variable

4.95%APR 4.95% · $3,241/mo

Wealth One Bank of Canada

1-yr · Variable

4.95%

APR 4.95% · $3,241/mo

Scotiabank

Bank

7-yr

Fixed

5.00%APR 5.00% · $3,257/mo

Scotiabank

7-yr · Fixed

5.00%

APR 5.00% · $3,257/mo

TD Canada Trust

Bank

6-yr

Fixed

5.19%APR 5.19% · $3,318/mo

TD Canada Trust

6-yr · Fixed

5.19%

APR 5.19% · $3,318/mo

TD Canada Trust

Bank

10-yr

Fixed

5.34%APR 5.34% · $3,366/mo

TD Canada Trust

10-yr · Fixed

5.34%

APR 5.34% · $3,366/mo

Est. payment shown on a $700,000 home, 20% down, 25-yr amortization. Rates updated daily. O.A.C., E.&O.E.

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Alberta rates by term

Compare the best Alberta rate for each term — fixed and variable.

5-Year Fixed 5-Year Variable 3-Year Fixed 3-Year Variable 2-Year Fixed 1-Year Fixed 4-Year Fixed 7-Year Fixed 10-Year Fixed

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 100+ lender network — applied to each Alberta market.

All Alberta cities →

Today’s rate read · Alberta

AI-generated from the live board · live feed · as of 2026-08-19T05:06:01.874Z

Maya

4.09%

5-yr fixed

3.55%

5-yr variable

5.95%

Lender prime

4.25%

BoC overnight

The best 5-year fixed mortgage rate in Alberta is currently 4.09%, while the best 5-year variable rate stands at 3.55%, reflecting a difference of 54 basis points where fixed rates are higher than variable ones. The lender's prime rate is 5.95%, influenced by the Bank of Canada's overnight rate of 4.25%, which indicates a trend toward lower borrowing costs in the economy.

Estimates only — your rate depends on your file. FSRA #13737.

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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.

National rate table →

Ontario British Columbia Quebec Manitoba Saskatchewan Nova Scotia New Brunswick Newfoundland and Labrador Prince Edward Island

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