What are mortgage rates in Calgary today?
| Term | Rate | Lender type | Shelf / note | Payment on $400,000 |
|---|---|---|---|---|
| 5-year fixed | 4.04% | Credit union | uninsured | $2,113/mo |
| 5-year variable | 3.70% | Brokerage | prime − 0.75% | $2,046/mo |
| 3-year fixed | 4.19% | Monoline | uninsured | $2,145/mo |
| HELOC | 4.95% | Bank | prime + 0.50% | — |
Payments on a $400,000 mortgage, 25-year amortization, fixed rates compounded semi-annually. Prime 4.45% (Bank of Canada policy rate 2.25%), October 7, 2026.
Who bids on Calgary mortgages?
Every approved lender that serves Alberta appears on this page automatically.
Mortgage renewal in Calgary
Calgary homeowners can switch lenders at maturity with no penalty. Start 120 days early and challenge your renewal rate; on a $412,000 balance, a bid 0.85% lower saves about $194 a month.
Refinance and HELOC in Calgary
Refinance up to 80% of your Calgary home's value, or open a HELOC up to 65%. Compare both with the refinance calculator and HELOC calculator.
What does it cost to buy in Calgary?
Alberta has no land transfer tax. Buyers pay land titles registration fees: $50 plus $5 for every $5,000 of value on the transfer, and the same formula on the mortgage amount.
| Item | Amount |
|---|---|
| Total transfer tax / registration fees | $1,000 |
Before first-time buyer rebates. Rules checked October 7, 2026.
Nearby cities
Frequently asked questions
What are mortgage rates in Calgary today?
See the best bids table above; post your request for bids on your own file.
Is a Calgary mortgage renewal different from other cities?
The process is the same; which lenders serve the area and the property type matter more than the city.
Can I get a private mortgage in Calgary?
Yes, if private lenders or MICs serve Alberta. Each bid lists every fee.
Do I need a Calgary mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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Get mortgage bids in Calgary
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