Calgary Mortgage Rates

Best Mortgage Rates in Calgary

Compare the best mortgage rates in Calgary, AB. Find top fixed and variable rates from lenders and brokers to finance your Calgary home.

Rates are current as of Calgary, Alberta
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Mortgage rate information for Calgary, Alberta

With a vibrant culture and strong economy, Calgary is a major hub for homeownership. The lack of a provincial land transfer tax provides a significant advantage for buyers. This page shows the top rates available specifically for the Calgary market.

Compare current fixed and variable mortgage options for Calgary, then review estimated payments, term length, prepayment privileges, penalties, qualification requirements and property eligibility. The lowest advertised rate is not automatically the lowest-cost or most flexible mortgage for every borrower.

Current Mortgage Rates in Calgary

Live as of: August 17, 2026 | Calgary, Alberta

Customize your mortgage scenario

Adjust the purchase price, down payment, amortization, and payment frequency to see how your estimated mortgage payments change across the rate options below.

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Yrs
Tip: Use the filter to compare payment impact quickly. Even a small rate difference can change your estimated payment and total interest over time.
Eligible borrowers can unlock up to $6,000 cash back or receive the lowest rate when securing a new mortgage or transferring an existing one to ATB.
ATB Financial
Interest rate
3.65 %
5 Years Variable
5 Year Variable High-Ratio
Payment & interest estimate
Est. Monthly Payment $2,035
Interest in 5 years $68,325
Switch to ATB and enjoy waived fees, plus a guaranteed rate hold for 120 days.
Clients save an average of $3,187 when they choose Pine. For a limited time, refer a friend and you both get up to $1,000.
Pine
Interest rate
3.65 %
5 Years Variable
5 Year Adjustable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,035
Interest in 5 years $68,325
We guarantee your best rate or we will give you $500! Save thousands with our volume-discounted rates.
True North Mortgage Inc
Interest rate
2.49 %
6 Months Fixed
6-Month Fixed Closed
Payment & interest estimate
Est. Monthly Payment $1,792
Interest in 5 years $46,119
Interest over 6 Months $4,950
Commission-free mortgage experts providing honest advice and competitive rates through a 100% digital, transparent process.
Nesto
Interest rate
3.40 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $1,981
Interest in 5 years $63,506
We guarantee your best rate or we will give you $500! Save thousands with our volume-discounted rates.
True North Mortgage Inc
Interest rate
3.49 %
5 Years Variable
5-Year Variable Closed
Payment & interest estimate
Est. Monthly Payment $2,000
Interest in 5 years $65,239
nesto provides you with the best available locking period in the mortgage industry (150 Days).
Nesto
Interest rate
3.57 %
5 Years Variable
5 Year Variable Mortgage (150 Day Lock)
Payment & interest estimate
Est. Monthly Payment $2,018
Interest in 5 years $66,781
Equitable Bank offers flexible mortgage solutions with competitive rates, designed to help you achieve your homeownership goals.
EQ Bank
Interest rate
3.60 %
5 Years Variable
5 Year Adjustable Mortgage - Evolution Suite
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Marathon Mortgage
Interest rate
3.60 %
5 Years Variable
5-years Variable Closed High Ratio
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Commission-free mortgage experts providing honest advice and competitive rates through a 100% digital, transparent process.
Nesto
Interest rate
3.60 %
3 Years Variable
3 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,024
Interest in 5 years $67,359
Interest over 3 Years $41,588
Marathon Mortgage
Interest rate
3.64 %
6 Months Fixed
6-Month Fixed Closed
Payment & interest estimate
Est. Monthly Payment $2,033
Interest in 5 years $68,132
Interest over 6 Months $7,243
Commission-free mortgage experts providing honest advice and competitive rates through a 100% digital, transparent process.
Nesto
Interest rate
3.65 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,035
Interest in 5 years $68,325
Eligible mortgages may qualify for up to $5,900 in promotional value. Offer ends June 30, 2026.
RBC Royal Bank
Ratings
Google
Trustpilot
RateBuddy
Interest rate
3.65 %
5 Years Variable
5 Year Variable Closed
Payment & interest estimate
Est. Monthly Payment $2,035
Interest in 5 years $68,325
Get un$tuck with a member-exclusive rate and a cash bonus up to $4,100 with a mortgage and qualifying products.
Coast Capital Savings
Interest rate
3.69 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,043
Interest in 5 years $69,097
First National provides competitive rates, simplified management, and ongoing education to help you achieve your financial goals.
First National Financial LP
Interest rate
3.70 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,046
Interest in 5 years $69,290
Seamless mortgage solutions, tailored to you. Get your best rate, fast turnaround, and expert support.
Neo Financial
Interest rate
3.75 %
5 Years Variable
5 Year Adjustable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,057
Interest in 5 years $70,257
Get un$tuck with a member-exclusive rate and a cash bonus up to $4,100 with a mortgage and qualifying products.
Coast Capital Savings
Interest rate
3.79 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,065
Interest in 5 years $71,031
Seamless mortgage solutions, tailored to you. Get your best rate, fast turnaround, and expert support.
Neo Financial
Interest rate
3.84 %
6 Months Fixed
6 Month Fixed Mortgage
Payment & interest estimate
Est. Monthly Payment $2,076
Interest in 5 years $71,998
Interest over 6 Months $7,642
nesto provides you with the best available locking period in the mortgage industry (150 Days).
Nesto
Interest rate
3.87 %
5 Years Variable
5 Year Variable Mortgage (150 Day Lock)
Payment & interest estimate
Est. Monthly Payment $2,083
Interest in 5 years $72,579
Get un$tuck with a member-exclusive rate and a cash bonus up to $4,100 with a mortgage and qualifying products.
Coast Capital Savings
Interest rate
3.89 %
5 Years Fixed
5 Year Fixed Mortgage
Payment & interest estimate
Est. Monthly Payment $2,087
Interest in 5 years $72,967
Get un$tuck with a member-exclusive rate and a cash bonus up to $4,100 with a mortgage and qualifying products.
Coast Capital Savings
Interest rate
3.89 %
5 Years Variable
5 Year Variable Mortgage
Payment & interest estimate
Est. Monthly Payment $2,087
Interest in 5 years $72,967
Updating rates...
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Mortgage rates across Canada

Explore rates by province and city

Find national mortgage offers and rates available in your province, then explore a page designed for your local market.

7 markets
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3 markets
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2 markets
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18 markets
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2 markets
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9 markets
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3 markets
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NORTH Northern Canada
3 markets
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Rates by lender

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Explore mortgage rate information from major Canadian banks, regional institutions and credit unions. Compare more than the advertised rate before choosing a provider.

How these rates are selected

Calgary rates are based on mortgage options available in Alberta

RateBuddy displays national mortgage options and products available in Alberta. Actual rates, lender availability, qualification and approval depend on the borrower, property, mortgage purpose and lender requirements.

View all Alberta mortgage rates
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Market Dynamics

Understanding Rates in Calgary, Alberta

Mortgage rates in Calgary, Alberta are driven by two main forces: Bond Yields (Fixed) and Central Bank Policy (Variable).

Variable: Floating
Fixed: Bond Driven

Bank of Canada Impact

Variable rates in Calgary, Alberta are directly linked to the Prime Rate. If the economy slows, rates often drop to stimulate growth—saving you money immediately.

The "Spread" Strategy

Smart borrowers in Calgary, Alberta watch the gap between Fixed and Variable. When fixed rates dip lower than variable, it is often a signal to lock in stability.

Hidden Costs of Buying in Calgary, Alberta

Beyond the mortgage rate, ensure you budget for these closing items.

Land Transfer Tax

Good news! Calgary, Alberta has low registration fees instead of a massive land transfer tax.

Legal Fees

Expect to pay between $800 and $1,500 for a lawyer in Calgary, Alberta to handle the title transfer and mortgage registration.

Appraisal

Lenders in Calgary, Alberta may require a professional appraisal ($300-$500) to confirm the home's value matches the loan.

Calgary, Alberta Mortgage Hack

Maximize Your Pre-Payment Privileges

Did you know? Most lenders in Calgary, Alberta allow you to pay down 10-20% of your mortgage annually without penalty.

Reduce Interest Costs
Shorten Amortization
Build Equity Faster
Calculate Savings
Find your mortgage path

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Local mortgage guidance

Mortgage questions about Calgary

Many lenders use national or provincial pricing, but product availability, local credit-union options, property type, loan size and appraisal requirements can affect the options available in Calgary. Compare the complete product terms and confirm eligibility for the specific property.

A fixed mortgage offers more payment and rate certainty for the term, while a variable mortgage can provide different pricing and flexibility but exposes the borrower to rate changes. The better fit depends on budget resilience, time horizon, risk tolerance, prepayment plans and the product’s conversion and penalty terms.

Calgary buyers do not face a traditional provincial land transfer tax, but should budget for Alberta Land Titles transfer and mortgage registration charges, legal services, title insurance, inspection or appraisal, tax adjustments and moving expenses. Obtain a transaction-specific estimate from the appropriate authority and your legal or notarial professional because rates, exemptions and required services can change.

Yes, but the available pricing and terms can differ by mortgage purpose. Purchases, insured or uninsured mortgages, renewals, switches, refinances and rental properties may each have different eligibility, loan-to-value and documentation requirements.

A pre-approval can establish a working budget and may protect a rate for a limited period, but it is not a final mortgage commitment. Approval still depends on the selected property, appraisal, updated finances, down payment, credit and lender review.

Yes, getting pre-approved is highly recommended. It shows sellers you are a serious buyer and gives you a clear budget to work with, which is a major advantage in Calgary's often fast-paced real estate market.
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