↓Easing
−0.15% to −0.30% · within 1–3 business daysIf you're closing in the next 120 days, lock a rate this week before lenders reprice the bond drop out of the market.
4-year fixed · live from lender desks
Best 4-year fixed mortgage rates in Alberta.
4.54%*
4-year fixed · lowest live lender rate today
Nobody's favourite. Occasionally the smartest.
The Hello take
Nobody's favourite. Occasionally the smartest.
The overlooked middle child. Most people never look at four years—which is exactly why lenders sometimes price it to move. When a 4-year comes in under the 3 and the 5, it's a genuine bargain: nearly the certainty of a 5-year, one year less commitment.
Pick this if…
- Today's 4-year is priced below the 3 and 5 (it happens—we'll tell you)
- You want a long lock but 2031 feels like a long way off
- You're renewing and a lender's 4-year special is on the table
Skip it if…
- It's priced the same as or above the 5-year
- You want the shortest path to re-shopping
- You'd rather keep it simple and pick the popular term
Every lender, this term
Who's offering what.
Compare our available 4-year fixed rates, lowest first. A great rate is a good start—but the right mortgage needs to fit your plans, too. We’ll help you understand which offers could work for you and what comes with them. The top few lenders are masked—they'd rather we didn't paste their pricing on the internet.
RateLender
4.54% lowestTop Canadian LenderBroker Channel · Best Available Today
4.69%Top Canadian Credit UnionBroker Channel · Member-Eligible Pricing
4.74%Top Canadian Specialty LenderHello Mortgage Featured · Broker Channel
4.84%ATB · Standard
4.89%MCAP
4.89%Strive · Insurable Purchase/Transfer
4.89%Strive · Insured Purchase / Transfer
4.89%RMG · Borrowed Down Payment
4.89%RMG · Medical Professionals Program
4.89%Merix-Lendwise
4.89%RFA
4.94%People's · Investment Loan-Rentals
4.94%RMG · Standard
4.94%Neo
5.04%UnionLink
5.09%Strive · Pre-Approval
5.14%Tru Cooperative Bank · Extended Ratio / BFS Alternative Income
5.19%ATB · Second Home
5.19%ATB · Rental 2-4 Unit
5.19%ATB · Rental 1 Unit
5.19%ATB · Standard (620+ beacon)
5.19%Strive · Insured Purchase/Transfer
5.24%TD · $500k–$750k
5.24%UnionLink · Net Worth (Uninsured)
5.39%RMG · Collateral Transfer
*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 Nov 4
Bond yields have dropped nineteen-hundredths of a percent in five days, but most lenders haven't yet repriced — that's your window to lock a lower fixed rate before it closes. Variable rates are holding at 3.75% until the Bank of Canada's December meeting, where they'll likely stand pat while they watch whether higher oil prices spread into the rest of the economy.
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
4-Year Fixed · this page4.54%$2,778 /mo—
4-year fixed mortgages, explained
The questions you're asking. And the ones you should be.
The honest answers.
The best available 4-year fixed mortgage rate in Alberta is 4.54% 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 4-year fixed is usually a lender-specific promotional term — fewer lenders publish it, but when they do, it can come at a discount to the standard 3 or 5-year rate. Worth checking when one of our lenders is running a 4-year promo and your renewal timing happens to match.
Most Canadian buyers default to 3 or 5-year fixed because the rate sheet is deeper. A 4-year only makes sense when a lender is actively promoting one at a meaningful discount. We see the live promo flow daily — ask us whether anyone's running a 4-year better than today's 3 or 5-year.
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.4.19%
2-year fixedA short hop while the market sorts itself out.4.49%
3-year fixedEnough certainty to sleep. Short enough to come back to the table.4.49%
5-year fixedSet it. Forget it. Five years, no surprises.4.49%
5-year variableRides Prime. Cheaper every time the Bank cuts.3.75%
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 150 ★★★★★ reviews!
Read our reviews on GoogleWorking with Matt to renew our mortgage was an exceptional experience for us, having only worked directly with the bank previously. So much so that at several points in the process my wife and I actually said to each other "I didn't realize this could be so easy!" The online system for gathering and sharing the necessary documents is incredibly easy to use, and Matt completely overcommunicated (complimentary) through the entire process. He was also incredibly responsive to any of the questions we had that he hadn't already anticipated us asking. Ultimately, working with Matt was an eye opening experience for us, and oh yeah...we got the best possible mortgage rate and terms we could've asked for. Would recommend Matt to any friend or stranger looking for a fantastic mortgage broker.
★★★★★— Jeff W.1 / 147
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