Most requested
5-Year FixedJumpy
4.24%
Top Canadian Big 6 Bank · Hello Mortgage Negotiated · Below Posted
- Monthly payment
- $2,696/mo
Beaumont mortgage rates · live from lender desks · updated September 21, 2026
Beaumont mortgage rates, today.
3.55%*
5-Year Variable · lowest live lender rate today
Updated 1 min ago · straight from lender rate desks, not last week's flyer
4.24%5-yr fixed3.55%5-yr variable4.04%3-yr fixed4.45%Prime rate37days to next BoC rate announcementCompare all lenders →
Shopping for a mortgage in Beaumont can feel like aiming at a moving target. Rates shift daily, every lender prices a little differently, and your down payment, your credit and the property itself all change the number you actually qualify for. That's where strategy earns its keep.
We don't chase the lowest number for its own sake. We compare 50+ banks and lenders, then pair the right rate with the right term and fine print, so the mortgage still fits when life changes. Below: the current mortgage rates in Beaumont, updated every business day, what they cost on a Beaumont home, and the local questions we hear most.
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Tell us and we'll show you the rates you'd actually qualify for—no credit check, about 60 seconds, zero mortgage-speak.
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Today's shortlist
Three rates worth knowing about.
Buying or renewing in Beaumont? These are today's rates, straight from the rate desks—not last week's flyer. Payments are on a $500,000 mortgage over 25 years, so it's apples to apples.
5-Year VariableJumpy
3.55%
Top Canadian Monoline Lender · Hello Mortgage Negotiated · Below Posted
- Monthly payment
- $2,510/mo
3-Year FixedJumpy
4.04%
Top Canadian Big 6 Bank · Broker-Negotiated · Below Posted
- Monthly payment
- $2,641/mo
140+ five-star Alberta reviews · Lender-paid, $0 to you · No credit check to see your rates
*Rates shown are the lowest available today and depend on your credit, down payment and property. We'll tell you which ones are yours.
Rate forecast · our take, updated daily
Today's call, in short.
Our crystal ball is mostly spreadsheets. Every morning, we read the bond yields, the lender rate sheets and the analyst emails, then write down what we think—and post it publicly, so you can check our work. Here's today's prediction, in two cards.
↓Easing
−0.15% to −0.20% · within 2–3 business daysIf you're closing in the next 120 days, lock now while the bond-yield dip lasts — lenders reprice fast when it reverses.
→Holding steady
Bank of Canada meets in 37 days · October 28Enjoy the calm while it lasts — just don't mistake steady rates now for steady rates come spring.
Fixed vs variable · the whole story
Fixed vs. variable Beaumont mortgage rates. Same ring, different fighters.
The rate is the headline. The fine print—where the rate comes from, what it costs to leave, what happens if life changes—is what actually decides which corner a Beaumont buyer should be in.
FixedRed corner
VariableBlue corner
Where the rate comes from
The bond market. Lenders price fixed rates off the 5-year Government of Canada bond, so your rate is set by what investors think happens over five years.
The Bank of Canada. Variable rates are your lender's prime rate minus a discount, and prime moves in lockstep with the Bank's policy rate—eight decision dates a year.
What moves it
Bond yields—daily, often before the news catches up. Lenders reprice within days of a big move.
Only Bank of Canada decisions. Between meetings your rate is frozen, no matter what the headlines say.
Your payment
Locked for the whole term. Same amount every month—easy to budget, zero surprises.
Usually the payment stays the same and the split between interest and principal shifts. Some lenders adjust the payment instead—ask which.
Penalty if you break early
The greater of 3 months' interest or the Interest Rate Differential (IRD). IRD can run into the tens of thousands with a big bank—one of the most expensive surprises in Canadian mortgages.
Almost always just 3 months' interest. Cheaper and predictable—the quiet superpower of variable.
Switching mid-term
You're in. Breaking to chase a lower rate means paying the penalty above.
You can usually convert to a fixed rate any time with no penalty—the lender's posted fixed at that moment, so timing matters.
Rate hold
Yes—most lenders hold a fixed rate 90–120 days while you shop or wait to close.
The discount off prime is held, not the rate itself—prime can still move before you close.
Who it suits
You value certainty, your budget is tight, or you'd lose sleep over a rate hike.
You have room in the budget, you might sell or refinance before the term ends, or you're betting rates drift lower.
Our take: most people compare the two rates and stop there. The penalty line is where fixed mortgages quietly cost people five figures—and the conversion line is where variable quietly saves them. If there's any chance you'll move, refinance or restructure inside five years, that matters more than a 0.20% gap today.
Mortgages in Beaumont
What the Beaumont market means for your rate.
Beaumont is a rapidly growing francophone-heritage town immediately south of Edmonton in Leduc County, one of the Edmonton region's most sought-after smaller communities. The town's combination of French cultural heritage, excellent schools, newer housing stock, and strong community character has made it a consistent destination for young families — and its home prices reflect that desirability. Detached homes in Beaumont typically range from $430,000 to $620,000, placing most buyers near or in conventional mortgage territory.
Beaumont's growth trajectory has been remarkable — from a small bedroom community to a city of approaching 25,000 residents with its own developing commercial sector, recreational facilities, and an identity that goes beyond just an Edmonton satellite. The community's French Catholic heritage (the Beaumont Immersion program is one of Alberta's most sought-after French immersion school programs) drives significant demand from families specifically seeking access to French-language education, creating a buyer segment willing to pay a premium for community access.
The buyer profile is dominated by young to mid-career families — dual-income professional households, Edmonton commuters in the $100,000 to $180,000 combined income range — who are often first or second-time homebuyers stepping into the detached market. The town's southern Edmonton position also gives it natural connections to the airport corridor, Leduc, and Nisku industrial employment, diversifying the commuter-employment mix.
Property typeAverage priceDown paymentMonthly paymentIncome to qualify
All homes$524,545$27,454 5.2%$2,787 /mo~$122,000 /yr
Detached$605,070$35,507 5.9%$3,193 /mo~$139,000 /yr
Semi-detached$520,808$27,081 5.2%$2,768 /mo~$121,000 /yr
Townhouse / row$377,701$18,885 5%$2,012 /mo~$89,000 /yr
Condo / apartment$274,246$13,712 5%$1,461 /mo~$66,000 /yr
Payments at 4.24% over 25 years, CMHC premium added to the mortgage; income at the 6.24% stress-test rate with property tax and heat included. Source: AREA / Pillar 9 · August 2026.
Common Beaumont buyer scenarios
Sound like you? We've run this play before.
Every mortgage situation is different, but these are the ones we see most often from Beaumont buyers
Family buying in Beaumont for French immersion access
One of Beaumont's most distinctive buyer scenarios is the family purchasing specifically for access to the French immersion school program — an explicit school-driven purchase decision. These buyers are often willing to stretch their budget for Beaumont over comparable communities precisely because the school access is the priority. At Beaumont's price points, conventional mortgage territory applies for most detached buyers, and income requirements are meaningful.
Edmonton commuter or Nisku/Leduc worker buying in Beaumont
Beaumont's southern Edmonton position makes it practical for both Edmonton commuters and buyers employed in the Nisku Industrial Park or Leduc commercial corridor. The combination of community character, newer housing stock, and airport area employment access creates strong demand. At prices in the $430,000 to $620,000 range, buyers are typically in conventional territory — lender competition and application quality drive the rate.
First-time buyer entering Beaumont's attached market
Beaumont's attached townhome and semi-detached market offers more accessible entry points — typically $350,000 to $460,000 — where insured mortgage rates may apply depending on down payment. First-time buyers using Beaumont's attached market as a stepping stone to eventual detached homeownership within the community are a meaningful segment.
Move-up buyer within Beaumont
Established Beaumont residents who have built equity in earlier purchases are a consistent upgrade market — stepping from attached to detached, or from a smaller detached to a larger family home in a newer development. The equity built during Beaumont's strong appreciation years often positions these buyers well for their next purchase.
Dual-income professional household at Beaumont's entry level
Many Beaumont detached buyers are dual-income households — two professional or trade incomes in the $75,000 to $110,000 each range — purchasing their first detached home. At Beaumont's conventional price points, combined income qualification is important, and ensuring both incomes are documented correctly and used fully in qualification is the key broker task for these buyers.
How your Beaumont mortgage rate is actually set
Why your rate isn't your uncle's rate.
Mortgage rates aren't one-size-fits-all in Beaumont or anywhere else. The number someone brags about at a barbecue came with their down payment, their credit score, their property and their lender's fine print. Yours comes with yours. We replied to every one.
11:50100
hellomortgage.ca Free mortgage rate advice: available at every barbecue, every long weeke…
Comments
hellomortgage.ca7h · Author@your.uncle 2.79%? We miss her too. Unfortunately, nostalgia isn't an approved mortgage strategy. Your rate is from the day you signed—not today. Rates move with bond yields and the Bank of Canada, sometimes inside a week, so the number from your spring isn't on the shelf anymore. What is on the shelf: a free 120-day rate hold. Lock today's price, shop in peace, and if rates drop before closing you get the lower one. It's the closest thing to 2.79% we can legally offer.
Replyyeg.homebuyer7h@hellomortgage.ca 🔥🔥🔥 "legally offer"
prairie_dad_7h@hellomortgage.ca 👏👏 tell him
- hellomortgage.ca6h · Author
@your.uncle That would make sense. Unfortunately, Canadian mortgages have never let common sense get in the way of a good plot twist. Under 20% down the mortgage is insured, so the lender's risk is covered and they price it sharper. Put 20%+ down and you skip the insurance premium, but the rate itself usually runs a touch higher. Neither is 'better'—they're different math, and we run both before anyone picks.
Replyfirsthome.finally6h@hellomortgage.ca 🙌 wait WHAT
- hellomortgage.ca5h · Author
@your.uncle Lowest rate wins the screenshot. The mortgage strategy wins the next five years. Penalty formulas, prepayment room, portability, whether you can convert—that's where 'no-frills' rates make their money back. A mortgage that's 0.10% cheaper but costs five figures to break isn't cheaper. We read the fine print so the story ends where you want it to.
Replysarah.saves5h@hellomortgage.ca 👏👏👏 say it louder
reno.mike5h@hellomortgage.ca 🔥 saving this
- hellomortgage.caPinned · Author
So what's your number? Two minutes, no credit check. We'll show you the rates that are actually yours—and explain every one. Bring your uncle if you want.
Reply
Ask us what your rate actually is…PostThe Hello Mortgage advantage
RateWatch+: if rates drop before you close, so does yours.
Most lenders hand you a rate and call it a day. We keep watching. Between your approval and your closing day, if your lender's rate drops, we go back and negotiate the lower one for you—automatically, at no cost. It's one of the reasons Beaumont clients don't have to time the market to win it.
How it works
Your personalized rate in under 60 seconds.
No credit check. No commitment. Real lender rates—not the ones printed on a bus bench.
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A few quick details. No credit check, no commitment, no mortgage-speak.
See your real rates.Instantly.
Matched to your situation from live lender pricing—not a generic average someone typed in last week.
Know what actually makes sense.Right now.
Which rate, which term, and what puts you in the strongest position—explained like a human would.
Go deeper
Read the strategy. Run the numbers.
A rate is just a number until you know what to do with it. These are the guides we'd hand you across the desk, plus the calculators we'd pull up—written by our team, in plain English, with the math showing.
Strategy Vault · 3 min
Everything You Need to Know About Mortgage Rate Holds in Canada
A rate hold locks in your mortgage rate for 60–120 days while you house-hunt. Here's how they work, what they cost, and what happens if rates move.
Read the guide →Strategy Vault · 3 minFixed vs. Variable Mortgages: Which One Fits Your Life?
Fixed gives you the same rate for years. Variable starts lower but can move. Here's how to choose based on your plans, timeline, and comfort with change.
Read the guide →Strategy Vault · 5 minTime to Switch from a Variable-Rate to a Fixed-Rate Mortgage
Variable rates have climbed so high they now cost more than fixed — a rare twist. Here's how to decide if locking in makes sense for your mortgage.
Read the guide →Strategy Vault · 5 minYour Mortgage Renewal Is Coming — Here's How to Save Thousands
With rates higher than your last term, your lender's renewal offer probably isn't your best option. A little shopping could save you real money.
Read the guide →CalculatorMortgage Payment
What today's rate means per month—and how a 0.25% move changes it.
Open the calculator →CalculatorAffordability
How much house today's rates actually buy you, before you fall for a listing.
Open the calculator →Beaumont mortgage rate questions, answered
The honest answers.
Today's best rates in Beaumont are 5-year fixed: 4.24%, 3-year fixed: 4.04%, 5-year variable: 3.55%. These are the lowest of the Canadian lenders we negotiate with, updated every business day. Insured / high-ratio mortgages typically qualify for the lowest of the three; uninsured / conventional pricing runs a few basis points higher. Contact Hello Mortgage to see exactly which rate fits your file.
The average home around Beaumont sold for about $524,545 in August 2026 (AREA / Pillar 9). At that price the minimum down payment is $27,454 (5.2%), the monthly payment at today's 4.24% over 25 years is roughly $2,787, and you'd need about $122,000 of household income to pass the stress test. Put 20% down and the CMHC premium disappears, but the rate itself is usually a little higher—we'll run both for you.
Most Beaumont buyers finance between $370,000 and $570,000 for detached homes. At typical Beaumont prices, buyers are near or in conventional mortgage territory — the rate achieved depends on loan-to-value ratio and application strength. Attached and townhome buyers may be in insured territory at $350,000 to $450,000. Beaumont's strong demand and premium community status support prices well above neighbouring Leduc.
Beaumont commands a premium over Leduc for several reasons: the French immersion school program, the community's established character, newer average housing stock, and consistent demand from families specifically seeking Beaumont. From a mortgage perspective, this premium means Beaumont buyers are typically in conventional territory where Leduc buyers may still be near the insured crossover — translating to a different rate environment for otherwise similar buyer profiles.
The French immersion program is one of Beaumont's most significant value drivers — directly comparable to how St. Albert's school system supports that community's premium. Families specifically seeking French immersion access from throughout the Edmonton region contribute to demand that supports Beaumont's price premium. From a lender's perspective, this demand driver supports the community's value stability.
Yes — Beaumont's desirability means well-priced family homes attract strong interest, and multiple offers occur in active markets. Being fully pre-approved before starting your search is essential. The French immersion-driven demand from outside the immediate area means competition can come from buyers across the broader Edmonton region.
Beaumont homes typically cost $50,000 to $100,000 more than comparable Leduc properties, which pushes Beaumont buyers into deeper conventional territory than Leduc buyers who may still be in or near insured pricing. Despite the higher rates in conventional territory, Beaumont's premium over Leduc has been consistently maintained by community demand.
Yes — Beaumont has ongoing new development with several builders active in the community. New construction in Beaumont commands premium pricing given the community's desirability. Pre-construction purchases follow standard new construction mortgage requirements around completion timelines and rate holds.
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