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Lender rate guide

ATB Financial
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

18 of 18 reference offers

5-year variableUninsuredUp to 25-year amortization3.82%APRContract 4.05%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed variable-rate mortgages · 5 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableInsuredUp to 25-year amortization3.90%APRDetails
Product
Standard
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Client Rates · Our featured offers · 5 Year Variable High Ratio. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedInsuredUp to 25-year amortization4.29%APRDetails
Product
Standard
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Client Rates · Our featured offers · 3 Year High Ratio. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedRate FirstPromotion · conditions applyInsuredUp to 25-year amortization4.36%APRContract 4.34%Details
Product
Rate First
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

Client Rates · Rate First closed fixed-rate mortgages · 5 years high ratio. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredUp to 25-year amortization4.44%APRDetails
Product
Standard
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Client Rates · Our featured offers · 5 Year High Ratio. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedRate FirstPromotion · conditions applyUninsuredUp to 25-year amortization4.61%APRContract 4.59%Details
Product
Rate First
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Promotional offer. Conditions and the lender's availability deadline apply.

Client Rates · Rate First closed fixed-rate mortgages · 5 years conventional. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization4.62%APRContract 4.59%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 3 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization4.67%APRContract 4.64%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 4 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization4.71%APRContract 4.69%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 5 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

30-month fixedUninsuredUp to 25-year amortization5.38%APRContract 5.34%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 30 month. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization5.64%APRContract 5.59%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 2 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year variableUninsuredUp to 25-year amortization6.00%APRContract 6.20%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open variable-rate mortgages · 2 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year variableUninsuredUp to 25-year amortization6.05%APRContract 6.20%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open variable-rate mortgages · 1 year. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month variableUninsuredUp to 25-year amortization6.15%APRContract 6.20%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open variable-rate mortgages · 6 months. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization6.19%APRContract 6.09%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Closed fixed-rate mortgages · 1 year. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization8.90%APRContract 8.85%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open fixed-rate mortgages · 2 years. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization8.95%APRContract 8.85%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open fixed-rate mortgages · 1 year. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsuredUp to 25-year amortization9.05%APRContract 8.85%Details
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Client Rates · Open fixed-rate mortgages · 6 months. Owner-occupied purchase or renewal, up to 25-year amortization. Refinance, rental/secondary-home and longer amortization pricing require lender premiums and are excluded. Lender APR examples use a $250,000 mortgage and $250 processing fee.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Residential vs Rate First

ATB publishes Residential and Rate First mortgage pricing. The lower headline needs to be considered alongside the product’s flexibility and the property province.

ATB lists different prepayment privileges for Residential and Rate First. Its featured rate table is labelled for Alberta mortgages. Confirm province, origination channel and the exact contract before relying on a reference offer.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Is an ATB rate on this page available for my BC property?

A directory example does not establish BC availability or access through Pragmatic. Ask us to check those points before comparing ATB with lenders that can consider your property.

How do I check which ATB Financial rates fit my mortgage?

Use the shopper with ATB Financial selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

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Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

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About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

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