Today's featured rates

The lowest advertised rate isn't always the cheapest mortgage. Penalty calculations, prepayment privileges and portability can matter more than a tenth of a point — I'll show you both sides.

Updated [Month DD, YYYY]

Illustrative residential rates for well-qualified borrowers in Alberta.
Term	Type	Best from	Best for
3-year fixed	Fixed · insured	4.09%	Buyers who want flexibility sooner
5-year fixed Most popular	Fixed · insured	4.24%	Predictable payments, longest hold
5-year fixed	Fixed · uninsured	4.59%	20%+ down or refinances
5-year variable	Variable · insured	4.45%	Rate-cut believers, low break penalty
HELOC	Revolving · prime +	6.20%	Renovations and standby access
Alt-A / B-lender	Fixed · 1–2 year	6.49%	Self-employed and credit rebuild

Illustrative residential rates for well-qualified borrowers in Alberta. Rates change daily and are not an offer of credit. Your actual rate depends on your credit profile, down payment, property type, occupancy, amortization and the lender's current pricing. All mortgages are subject to approval.

Get your personalized rate

A five-minute conversation gets you a real number for your situation, not a teaser rate with conditions buried underneath.

Get my rate Book a call

Insured, insurable, uninsured — what?

Less than 20% down means a default-insured mortgage: a premium is added to your loan, but the rate is usually the lowest available. Twenty percent or more down avoids the premium and often carries a slightly higher rate. Refinances are always uninsured. I'll show you the total cost of each, not just the rate.

Questions about your own numbers?

Every file is different. Send me yours and I will tell you exactly where you stand.

Start an application Book a call ↗