↓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.
3-year fixed · live from lender desks
Best 3-year fixed mortgage rates in Alberta.
4.04%*
3-year fixed · lowest live lender rate today
Enough certainty to sleep. Short enough to come back to the table.
The Hello take
Enough certainty to sleep. Short enough to come back to the table.
The fence-sitter—in the best way. Three years is long enough that a payment doesn't change while your life does, and short enough that you're renewing before the next full rate cycle. Lenders price it keenly, which is why it's become the most-asked-about term in Alberta.
Pick this if…
- You want a fixed payment but think rates drift lower over the next few years
- Your plans past 2029 are genuinely unknown
- You like having options without paying variable-rate nerves for them
Skip it if…
- You're certain you'll be in this home a decade and want the longest lock
- The 5-year is pricing meaningfully lower today
- You want to ride rate cuts in real time
Every lender, this term
Who's offering what.
Every 3-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
4.04% lowestTop lender · name on requestBroker-Negotiated · Below Posted
4.24%Top lender · name on requestHello Mortgage Negotiated · Below Posted
4.29%Top lender · name on requestBroker Channel · Member-Eligible Pricing
4.34%RFA
4.44%Merix-Lendwise
4.49%CMLS
4.59%Radius
4.59%First National · 3 year Insured special
4.59%ATB
4.84%Neo
5.12%RFA Alt-A
5.29%Wealth One
6.23%Fraction
6.44%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
The 5-year bond yield that drives 3-year fixed rates has drifted down 0.09% over the past week, and lenders should reprice lower in the next few days. But the U.S. Fed just hiked rates for the first time under its new Chair, pulling global bond yields higher — if oil prices stay elevated or tariff costs start showing up in consumer prices, this dip will reverse fast.
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
3-Year Fixed · this page4.04%$2,641 /mo—
3-year fixed mortgages, explained
The questions you're asking. And the ones you should be.
The best available 3-year fixed mortgage rate in Alberta is 4.04% 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 3-year fixed is the most common middle-ground term in Canada — locks your payment for three years, then renews. Often the best blend when fixed rates are higher than you'd like but variable feels too risky. Popular choice when buyers expect a couple of cuts but don't want to gamble.
A 5-year locks you in longer and usually carries a slightly higher rate than a 3-year. The 3-year wins when you expect rates to be lower at renewal in 36 months than the 5-year rate today. The 5-year wins when you value stability above all else. Run the numbers — we can model both against your 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%
2-year fixedA short hop while the market sorts itself out.4.19%
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 →
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