↓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.
2-year fixed · live from lender desks
Best 2-year fixed mortgage rates in Alberta.
4.19%*
2-year fixed · lowest live lender rate today
A short hop while the market sorts itself out.
The Hello take
A short hop while the market sorts itself out.
The short hop. Two years of certainty, then a renewal right about when the Bank of Canada should have finished whatever it's doing. It's the term for people who think rates are heading down but don't want to ride the variable rollercoaster to get there.
Pick this if…
- You want a known payment but expect to renew into something cheaper
- Your life has a two-year horizon—a move, a sale, a promotion
- You'd take a slightly higher rate today for a shorter commitment
Skip it if…
- You'd lose sleep over a renewal in 24 months
- You're stretching to qualify and need the cheapest payment now
- You want to set it and forget it
Every lender, this term
Who's offering what.
Every 2-year fixed rate on our desks today, lowest first. The top few lenders are masked—their pricing is negotiated, and they'd rather we didn't paste it on the internet. Ask and we'll tell you exactly who.
RateLender
4.19% lowestTop lender · name on requestBroker Channel · Member-Eligible Pricing
4.89%Top lender · name on requestBroker Channel Only · Not Available Direct · 2 Year Special for new business only, minimum 680 beacon for main income earner, no pre-approvals, available for LTV discounts.
4.99%Top lender · name on requestBroker Channel Only · Not Available Direct
5.14%CMLS · Aveo Traditional Promotion
5.19%Wealth One
5.69%ATB
6.02%Fraction
6.04%Neo
6.34%Haventree
*Lowest available today for well-qualified borrowers. Your rate depends on down payment, credit and property—we'll tell you which one is yours.
Rate forecast · this term
Where it's heading.
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.
Hello Mortgage InsightsUpdated Sep 21
Bond yields have drifted down 0.09% over the last five days, and lenders are starting to drop 2-year fixed rates in response. But the window may be narrow — the U.S. Fed just hiked, oil is at $100 a barrel, and the Bank of Canada is watching for spillover into broader inflation.
Versus the alternatives
Same $500k mortgage. Every term.
Monthly payments over 25 years on today's lowest rate for each term—so you can see exactly what the certainty (or the flexibility) costs.
TermLowest todayMonthlyvs this page
2-Year Fixed · this page4.19%$2,682 /mo—
2-year fixed mortgages, explained
The questions you're asking. And the ones you should be.
The best available 2-year fixed mortgage rate in Alberta is 4.19% as of today. Rates update live as our lender desks email new pricing. Your actual rate depends on your credit score, down payment, and property type — inquire for a personalized quote.
A 2-year fixed gives you two years of locked payments — long enough to ride out short-term BoC moves, short enough to renew before a 5-year horizon. Typically chosen by buyers who expect rates to fall but want a bit more breathing room than a 1-year.
A 1-year is a more aggressive bet that rates fall fast. Variable is the most aggressive — it tracks Prime in real time. A 2-year fixed sits in between: you get certainty for two BoC announcement cycles before re-pricing. Worth comparing all three against today's spreads on your specific file.
We pull live rates from our broker-desk lenders across Canada and match them to Alberta buyers and homeowners. Unlike sites that show bait rates, every rate here is bookable today with a pre-approval — filtered to what you actually qualify for.
Most best-available rates require a credit score of 680+, stable income, and a 20% down payment (or insured with 5%+). If your situation is different, we can still find the best rate you qualify for — we work with specialty lenders for unique scenarios.
Fixed rates track 5-year Government of Canada bond yields and can move a few times per week. Our insights refresh whenever lenders email new pricing.
Yes. Most lenders offer a 120-day rate hold with pre-approval — meaning you lock today's rate for up to four months while you shop for a home. If rates drop in that window, you get the lower one. If they rise, you keep your locked rate.
Big-bank posted rates are marketing numbers — you'd never actually pay that. What we show are real broker-channel rates from the same Canadian lenders, often 0.50–1.50% below the posted rates you'd be quoted walking into a branch.
Other terms
Meet the rest of the flock.
1-year fixedTwelve months and you're renegotiating.4.59%
3-year fixedEnough certainty to sleep. Short enough to come back to the table.4.04%
4-year fixedNobody's favourite. Occasionally the smartest.4.29%
5-year fixedSet it. Forget it. Five years, no surprises.4.24%
5-year variableRides Prime. Cheaper every time the Bank cuts.3.55%
Already in a variable?Lock in, or hold on? Let's run it.Run my numbers →
Straight from Google
Our clients say it better.
Hello Mortgage Team has over 140 ★★★★★ reviews!
Read our reviews on GoogleThe process was a lot more simple and quicker than I had expected. Looking forward to chatting again in 5 years!
★★★★★— Teresa L.Calgary1 / 145
Let’s make your mortgage make sense.
Ready to apply—or still figuring out what’s possible? Start with a conversation. No pressure. No mortgage-speak. Just a clear plan.
Let’s Talk MortgageExplore Hello Mortgage
Your mortgage questions live here.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.
Mortgage help across Alberta