Edmonton Mortgage Rates
Compare the Best Rates in 2026
Why Edmonton Homebuyers Choose RateFair.ca
Access to 30+ Lenders
We work with major banks, credit unions, and private lenders across Edmonton to ensure you get the most competitive mortgage rate available. Unlike going directly to a single bank, we compare offers to find your perfect match.
Expert Local Knowledge
Our mortgage specialists understand Edmonton’s unique real estate market, from the downtown core to emerging neighborhoods in Windermere, Chappelle, and Laurel. We provide insights tailored to your specific area and property type.
Fast Pre-Approval Process
Get mortgage pre-approval in as little as 24 hours. Whether you’re buying your first home in Mill Woods or upgrading in Riverbend, we streamline the process to help you act quickly in Edmonton’s competitive market.
No Hidden Fees
Our service is completely free for borrowers. Lenders pay us, which means you get expert mortgage advice and rate comparison at no cost to you.
Edmonton Mortgage Options We Offer
Fixed-Rate Mortgages in Edmonton
Lock in your interest rate for 1 to 10 years and enjoy predictable monthly payments. Perfect for Edmonton homeowners who value budget certainty and want protection against rising interest rates. Popular terms include 3-year and 5-year fixed rates.
Variable-Rate Mortgages in Edmonton
Take advantage of potentially lower rates that fluctuate with the prime rate. Variable mortgages offer flexibility and can result in significant savings when rates are declining. Many Edmonton borrowers choose this option for faster equity building.
First-Time Home Buyer Mortgages
Special programs for first-time buyers in Edmonton, including access to 5% down payment options, CMHC insurance, and government incentives like the First-Time Home Buyer Incentive. We guide you through every step of purchasing your first Edmonton property.
Mortgage Refinancing in Edmonton
Refinance your existing mortgage to access better rates, consolidate debt, or tap into your home equity. Whether you own a home in Oliver, Garneau, or any Edmonton neighborhood, we help you leverage your property’s value.
Self-Employed Mortgage Solutions
Specialized mortgage options for self-employed Edmonton residents and business owners. We work with lenders who understand alternative documentation and income verification methods.
How to Get the Best Mortgage Rate in Edmonton
Step 1: Get Your Free Rate Quote
Complete our simple online form or call us directly. We’ll discuss your financial situation, home-buying goals, and property details to understand your needs.
Step 2: Compare Personalized Offers
We shop your application to 30+ lenders including RBC, TD, BMO, Scotiabank, ATB Financial, and specialized mortgage lenders. You’ll receive multiple offers tailored to your situation.
Step 3: Choose Your Best Option
Review the offers with your dedicated mortgage advisor. We explain the differences in rates, terms, features, and penalties so you can make an informed decision.
Step 4: Complete Your Application
Once you select your preferred lender, we handle the paperwork and coordinate with your lawyer, realtor, and the lender to ensure a smooth closing process.