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Current Spruce Grove mortgage rates · live from 50+ lenders

Best Mortgage Rates in Spruce Grove.

Spruce Grove's best mortgage rates in one place. You can compare current mortgage rates and monthly payments from 50+ banks, credit unions, and lenders across Alberta.

Rates as of September 22, 2026 at 6:56 a.m. MT

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Fresh off the presses

The best of the best.

Negotiated rate: lender name shared when you askSome lender names are hidden on purpose. Those are rates we've negotiated with the lender that they don't advertise. The number is real and live; the name comes out the moment you ask about it.

You'd be borrowing 95% of the pricePriced as Insured
TermFixedVariable
1-yr
Fixed
4.59%
Insured
Negotiated rate: lender name shared when you askTop Canadian Big 6 BankBroker-Negotiated · Below Posted
2-yr
Fixed
4.19%
Insured
Negotiated rate: lender name shared when you askTop Canadian Credit UnionBroker Channel · Member-Eligible Pricing
3-yr
Fixed
4.04%
Insured
Negotiated rate: lender name shared when you askTop Canadian Big 6 BankBroker-Negotiated · Below Posted
4-yr
Fixed
4.29%
Insured
Negotiated rate: lender name shared when you askTop Canadian Credit UnionBroker Channel · Member-Eligible Pricing
5-yr
Fixed
4.24%
Insured
Negotiated rate: lender name shared when you askTop Canadian Specialty LenderHello Mortgage Negotiated · Below Posted
Variable
3.55%
Insured
Negotiated rate: lender name shared when you askTop Canadian Monoline LenderHello Mortgage Negotiated · Below Posted
Hello Mortgage InsightsUpdated Sep 22

Bond yields dropped eight-hundredths of a percent over five trading days, which should pull fixed mortgage rates lower this week — lenders typically reprice within two business days of a move this size. Variable rates stay anchored at 3.55% until the Bank of Canada's next decision on October 28, where they're almost certain to hold as long as inflation cooperates.

The number that's actually yours

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Every rate up there comes with a story: down payment, property, credit, income. Tell us yours and we'll show you the rates you'd actually get, not the ones you'd get turned down for. About 60 seconds. No credit check.

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Good questions

The rate board, explained.

Today's best rates in Spruce Grove 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.
Because we negotiated those rates. Some of the lenders we work with give Hello Mortgage clients pricing they don't advertise, on the condition that we don't publish it next to their name. The rate you see is real and live; the lender behind it is one you've heard of. Ask about the rate and we'll tell you who it is.
Throughout the day, straight from lender rate desks. The timestamp at the top of the page is the last refresh. When a lender reprices, the board changes with it.
Not all of them, and that's normal. Every rate comes with rules about down payment, property type, credit and income. Set your price and down payment above and the board reprices to your tier. To see exactly which lenders would say yes, answer a few questions and we'll match you against every lender's rules. No credit check.
Insured means less than 20% down with mortgage default insurance, which usually gets the lowest rates. Insurable means 20% or more down on a property under $1.5M with a 25-year amortization or less, priced a notch higher. Conventional is everything else, including rentals and longer amortizations. Same lender, three different price lists.
Nothing. The lender pays us when your mortgage funds, and the rate you get is the same or better than going direct. We work with 50+ of Canada's top lenders, including big banks, credit unions and broker-only lenders, and we're paid the same regardless of which one you choose.
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