Edmonton Mortgage Rates

Best Mortgage Rates in Edmonton

Best mortgage rates Edmonton

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

With a vibrant culture and strong economy, Edmonton 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 Edmonton market.

Current Mortgage Rates in Edmonton

Live as of: August 17, 2026 | Edmonton, 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

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How these rates are selected

Edmonton 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 Edmonton, Alberta

Mortgage rates in Edmonton, 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 Edmonton, 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 Edmonton, 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 Edmonton, Alberta

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

Land Transfer Tax

Good news! Edmonton, 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 Edmonton, Alberta to handle the title transfer and mortgage registration.

Appraisal

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

Edmonton, Alberta Mortgage Hack

Maximize Your Pre-Payment Privileges

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

Reduce Interest Costs
Shorten Amortization
Build Equity Faster
Calculate Savings
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