Our featured offers
| Term | Residential Mortgage | Rate First Residential Mortgage |
|---|---|---|
| 5 Year High Ratio | 4.09%* | 3.99% |
| 5 Year Conventional | 4.49%* | 4.39% |
| 5 Year Variable High Ratio | 5.05%* | N/A |
| 5 Year Variable | 5.20%* | N/A |
| 4 Year High Ratio** | 4.54% | N/A |
| 4 Year Conventional** | 4.79% | N/A |
| 3 Year High Ratio | 4.59% | N/A |
| 3 Year Conventional | 4.84% | N/A |
*Eligible for up to $4,000 cash offer. See offer details.
**4 year available through select ATB channels only.
3 and 4 year and Rate First Residential Mortgage are not eligible for the cash offer.
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Client Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 3.99% |
| 5 years conventional | 4.39% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 5 years high ratio 4.01% and 5 years conventional 4.41%.
Closed fixed-rate mortgages
| 1 year | 6.09% |
| 2 years | 5.59% |
| 30 month | 5.34% |
| 3 years | 4.84% |
| 4 years | 4.79% |
| 5 years | 4.49% |
The Annual Percentage Rate (APR)* for the posted rates above closed fixed-rate mortgages are: 1 year 6.19%, 2 years 5.64%, 30 months 5.38%, 3 years 4.87%, 4 years 4.82%, and 5 years 4.51%.
Open fixed-rate mortgages
| 6 months | 8.85% |
| 1 year | 8.85% |
| 2 years | 8.85% |
The Annual Percentage Rate (APR)* for the posted rates above open fixed-rate mortgages are: 6 month 9.05%, 1 year 8.95% and 2 years 8.90%.
Closed variable-rate mortgages
| 5 years | 5.20% |
The Annual Percentage Rate (APR)* for the posted rates above closed variable-rate mortgage is: 5 years 5.22%.
Open variable-rate mortgages
| 6 months | 7.45% |
| 1 year | 7.45% |
| 2 years | 7.45% |
The Annual Percentage Rate (APR)* for the posted rates above open variable-rate mortgages are: 6 month 7.65%, 1 year 7.55% and 2 years 7.50%.
Posted Rates
Rate First closed fixed-rate mortgages
| 5 years high ratio | 5.44% |
| 5 years conventional | 5.84% |
Closed fixed-rate mortgages
| 1 year | 7.14% |
| 2 years | 6.64% |
| 30 month | 6.34% |
| 3 years | 6.29% |
| 4 years | 6.24% |
| 5 years | 5.94% |
Open fixed-rate mortgages
| 6 months | 10.35% |
| 1 year | 10.35% |
| 2 years | 10.35% |
Closed variable-rate mortgages
| 5 years | 6.70% |
Open variable-rate mortgages
| 6 months | 8.95% |
| 1 year | 8.95% |
| 2 years | 8.95% |
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