Alberta Mortgage Rates
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Current Alberta Mortgage Rates
Current Mortgage Rates - HelloMortgage.ca | Current insured mortgage rates subject to change. Current conventional and refinance rates may be higher. OAC. E&OE.
Did You Know?
As expert Alberta mortgage brokers, we know it's about more than getting the best mortgage rate in Alberta.
In addition to having a lower monthly payment and paying less interest, getting your best Alberta mortgage rate helps with the mortgage stress test.
The Canadian mortgage stress test helps ensure borrowers can afford their mortgage payments even if interest rates rise in the future. It requires lenders to assess a borrower's ability to make their mortgage payments at a higher interest rate than what they are currently being offered.
The current stress test rate (mortgage qualifying rate) is 5.25% or 2% plus your mortgage rate, whichever is greater.
Getting the best Alberta mortgage rate can make a significant difference in your ability to stress test your finances and increase your maximum purchase price. Because we negotiate with over 40 of Canada's top lenders, we can typically get a lower rate than your bank. Additionally, with a lower rate, you can qualify for a higher maximum purchase price, giving you more flexibility and options when it comes to finding your dream home.
Don't let your bank hold you back from getting the home you deserve. Contact us today to discover what's possible with a broker by your side.
More Than Just Great Rates—Exceptional Service Too
Hear from our satisfied clients who've experienced the perfect blend of unbeatable mortgage rates and unparalleled service.