Best 4-year fixed mortgage rates in Alberta.
Today’s best 4-year fixed rate in Alberta is 4.29%. We compare 4-year fixed rates across 50+ Canadian lenders for Alberta and lock your best on one application — no bureau pull to start.
The best 4-year fixed rate in Alberta today is approximately 4.29% — about $2,341/month on Alberta’s benchmark price of $540,000 with 20% down over a 25-year amortization. A 4-year fixed is a less-common middle term that occasionally prices sharper than the 5-year. Alberta has ATB Financial as a unique provincial Crown lender competing aggressively on rate alongside the Big-6 and monolines.
Rates illustrative; your file (credit, income, LTV) sets your personalized rate. See all Alberta rates →
Alberta mortgage payments by term
| Term | Best rate | Est. monthly payment* |
|---|---|---|
| 5-Year Fixed | 4.09% | $2,294/mo |
| 5-Year VariableLowest | 3.60% | $2,180/mo |
| 3-Year Fixed | 4.09% | $2,294/mo |
| 3-Year Variable | 3.65% | $2,191/mo |
| 2-Year Fixed | 4.14% | $2,305/mo |
| 1-Year Fixed | 4.19% | $2,317/mo |
| 4-Year Fixed | 4.29% | $2,341/mo |
| 7-Year Fixed | 5.10% | $2,537/mo |
| 10-Year Fixed | 5.34% | $2,597/mo |
Is a 4-year fixed right for you in Alberta?
Who it suits. Borrowers who want most of the certainty of a 5-year fixed but find a four-year offer priced attractively, or whose plans line up with a four-year horizon. It's worth checking precisely because few people ask for it, so lenders sometimes use it to win business.
What drives the rate. Priced between the 3- and 5-year bonds, the 4-year fixed is offered by fewer lenders, which means the handful who promote it can be unusually competitive on it. The right lender mix is everything for this term.
Breaking it early. Standard fixed-term math — greater of three months' interest or IRD — sitting between the 3- and 5-year in penalty size.
A low-volume term that rewards shopping the full lender panel. You give up the broad availability of the 5-year in exchange for an occasionally sharper, slightly shorter lock.
What’s specific to Alberta
The Alberta rate market. 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.
Top Alberta lenders to compare. Alberta’s 4-year fixed pricing is shaped by a distinct lender mix — ATB Financial, RBC, TD, Scotiabank, Equitable Bank and others all bid for files here, and we shop the whole panel on one application.
Closing costs. On top of the rate, budget for 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. Run the full number in our Alberta land transfer tax calculator.
A worked example for Alberta
On Alberta’s benchmark price of $540,000 with 20% down ($108,000), the mortgage is $432,000. At today’s best 4-year fixed rate of 4.29% over a 25-year amortization, that’s about $2,341/month using Canadian semi-annual compounding. That payment is locked for the full term. Model your own price in the payment calculator.
Whatever your situation in Alberta
First home, renewal, refinance, self-employed or bruised credit — there's a 4-year fixed path for your file, with the same 50+ lender network.
First-time buyers
5% down to your first Alberta home, with FHSA + RRSP HBP optimization.
Refinancing
Unlock Alberta equity for renovations, debt consolidation, or investing.
Renewing
Don't auto-renew — most clients beat their bank's first offer by 30-60 bps.
Self-employed
Business-for-self files priced right — A-lender, alt-A and private compared.
Bruised credit
B-lender and private paths now, with a mapped exit back to A-pricing.
New to Canada
Newcomer programs at the big banks; international credit accepted.
6 reasons to lock your Alberta 4-year fixed rate through a broker
Why Alberta borrowers shop the whole market instead of signing their bank's first 4-year fixed offer.
50+ lenders compete — not one
A Alberta bank shows you a single 4-year fixed rate sheet. We put your file in front of 50+ lenders who bid for it, then pass on the volume pricing we hold as a brokerage.
Broker-channel pricing
The wholesale rate brokers access is typically 15-30 bps below a bank's posted rate — you can't get it walking into a branch.
Built for the Alberta market
Alberta has ATB Financial as a unique provincial Crown lender competing aggressively on rate alongside the Big-6 and monolines.
Your rate held 90-120 days
A pre-approval locks today's 4-year fixed rate while you shop — and many lenders honour a drop if rates fall before you close.
No bureau pull to start
We can shop your Alberta 4-year fixed rate and pre-qualify you without a hard credit check, so comparing costs you nothing.
Best-rate guarantee
We'll beat any comparable Big-6 4-year fixed offer or pay you $500 — and our advice is free, because the lender pays our commission on funding.
Why shop your Alberta 4-year fixed rate with us
- 50+ lenders on one application — banks, monolines, and Alberta credit unions like ATB Financial and RBC.
- Broker-channel rates 15-30 bps below posted, only a brokerage can access.
- Alberta-specific guidance — land transfer tax, rebates, and local lender fit built in.
- FSRA-licensed advice in 50+ languages, online or in person.