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Discover Alberta's Best Mortgage Rates
(Most Banks’ Prime Rate: 6.95%)
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*Rates shown are for informational purposes only and are subject to change without notice. Please contact Genesis Group for the most up-to-date rates and terms.
Genesis Group is not liable for any discrepancies or inaccuracies in the displayed rates.
Rates last updated: 04/24/2025, 08:14 PM UTC
Compare the Best Mortgage Rates in Alberta
| Mortgage Term | Rates From | Payments | |
|---|---|---|---|
| 6 Month Fixed | 2.99% | $2,368/mo | |
|
Rate Range: 2.99% - 5.50% |
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| 1 Year Fixed | 5.79% | $3,157/mo | |
|
Rate Range: 5.79% |
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| 2 Year Fixed | 4.84% | $2,876/mo | |
|
Rate Range: 4.84% |
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| 3 Year Fixed | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
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| 4 Year Fixed | 4.59% | $2,804/mo | |
|
Rate Range: 4.59% |
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| 5 Year Fixed MOST POPULAR | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
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| 5 Year Open | 4.95% | $2,908/mo | |
|
Rate Range: 4.95% |
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| 5 Year Variable | 4.45% | $2,736/mo | |
|
Rate Range: 4.45% |
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*Disclaimer: If you don’t meet the requirements for our lowest advertised rates, don’t worry—Genesis Group has a wide range of competitive mortgage options to suit your needs! The rates displayed above represent realistic options if the outlined criteria aren’t fully met. Factors such as your credit score, down payment amount, and property details may impact your final rate. We’re dedicated to finding the best-possible solution for your unique situation.
Additional fees or premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending options.
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Find the Best Mortgage Rates in Alberta with Genesis Group
In Alberta, securing the best mortgage rates can mean significant savings for you. At Genesis Group, a multiple award-winning mortgage brokerage with over 12 years of industry experience, we specialize in helping clients save big. On average, our clients save over $3,000—and sometimes up to $15,000 or more, depending on your unique situation.
Our dedicated and highly trained Genesis Group brokers leverage our industry-leading volume to negotiate exclusive rate discounts, even with your current bank. For years, our rates have consistently been 0.20% lower on average than the big banks and many competitors.
Why Choose Genesis Group?
Whether you’re a first-time homebuyer, planning a vacation or investment property, or looking to refinance or renew, our award-winning team of brokers has the experience, knowledge, and access to over 65 lenders to tailor a mortgage solution that fits your goals.
Complex Mortgage Needs? We’ve Got You Covered
If your mortgage needs don’t fit the big-bank mold, we offer flexible, short-term mortgage solutions designed to save you time, stress, and money. Whether you need to consolidate debt, access equity, or navigate a unique financial situation, Genesis Group is here to help.
What Impacts Your Mortgage Rate?
Your mortgage rate depends on several factors, including:
- Your down payment percentage compared to the overall mortgage size.
- Your credit score and financial history.
- Your purchase timeline and loan type.
We’re here to simplify the process. Our expert agents will explain the details, answer your questions, and help you make informed decisions to save thousands over the life of your mortgage.
Talk to Us Today
At Genesis Group, your success is our priority. Contact us today to discover how we can help you save. Whether you prefer to visit our office, give us a call, or apply online, our team is ready to guide you toward the best mortgage rates in Ontario.
Your Path to Financial Freedom Starts Here.
Securing Your Best Rate Is Our Mission
Lock in Your Rate Today with Genesis Group
Mortgage rates in Alberta can fluctuate quickly — secure yours for up to 120 days (depending on the lender). Whether you’re purchasing a new home, renewing, or refinancing, we’ll ensure you lock in a competitive rate while providing expert advice tailored to your next mortgage move. Don’t wait — your path to savings starts here!
Your Key to the Best Mortgage Rates? Genesis Group’s Expert Brokers.
At Genesis Group, our award-winning brokers are highly trained professionals with access to a wide range of mortgage products tailored to fit your unique needs. We understand how crucial it is to secure the right mortgage—on time, stress-free, and at the most competitive rate.
Got a complex situation? No problem. Our team simplifies even the most intricate details, guiding you every step of the way with personalized service that puts you first.
Experience unparalleled 5-star service today. Whether it’s your first mortgage or a refinance, we’re here to build a savings relationship you can count on for years to come.
Start your journey today—apply online, give us a call, or meet us in person. Need an agent who speaks your language or prefers a Mobile Agent to meet you where you are? Explore our directory to find your perfect match.
Alberta: Wild Rose Country with High-Value Opportunities
Alberta continues to beckon homebuyers with its strong economy, attractive housing options, and high-value real estate opportunities. Despite having the highest unemployment rate in Canada, the province remains a magnet for newcomers and inter-provincial job seekers.
In October, Alberta’s housing market showed notable growth compared to the same time last year. Many centers, including Calgary, Lethbridge, and Fort McMurray, saw a surge in listings — but buyer activity outpaced the increase, likely driven by lower interest rates and savvy shoppers preparing for the holidays and an anticipated Spring 2025 market surge.
Home prices in Alberta continued their upward trend, climbing 10.5% year-over-year. The average home price reached $504,902, up from $499,681 the previous month. Fort McMurray and Grande Prairie led the charge, with impressive year-over-year price increases of 31% and 14%, respectively.
Sales activity also spiked in key markets such as Edmonton, Fort McMurray, and Grande Prairie, with year-over-year increases ranging from 1% to 37%. Medicine Hat was the only area to record a slight decline in sales. Most of the province leaned into a seller’s market, with sales-to-new-listing ratios (SNLR) hitting a high of 84% in Medicine Hat and 59% in Fort McMurray — Alberta’s only balanced market. Edmonton stood out with a significant year-over-year SNLR jump of 30%.
The takeaway? Alberta remains a stronghold for real estate activity, with smaller markets gaining traction amidst rising prices in larger centers. As interest rates continue to decline, Alberta may see increased demand, adding further momentum to its housing market.
Data Source: Sagen Housing Market Updates
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