Southern Alberta, Alberta Updated November 13, 2026 Best Mortgage Rates inCalgary Strong recovery with energy sector rebound 🏠 Avg. Home Price $550,000 +4.2% YoY 🏢 Avg. Condo Price $285,000 📅 Days on Market 22 ⭐ Best 5-Yr Fixed 4.44% Get Pre-Approved Today Calculate Payments 📊 Rate Comparison Compare Mortgage Rates in Calgary Get personalized rates for your city See local market data and mortgage tips Enable Location Updated November 13, 2026 Today's Best Mortgage Rates Compare discounted rates from Canada's top lenders. These are actual rates you can get - not posted bank rates. Prime Rate 4.70% Apply Now → Best 5-Yr Fixed 4.44% Apply Now → Best Variable 3.65% Apply Now → Featured Mortgage Rates Best discounted rates available today – sorted by lowest rate Term Lender Best Rate 5-Year Variable Meridian CU 3.65% Insured Get This Rate 3-Year Fixed KEB Hana Bank 4.24% Insurable / Uninsured / uninsurable Get This Rate 5-Year Fixed KEB Hana Bank 4.44% Insurable / Uninsured / uninsurable Get This Rate 1-Year Fixed MCAP 4.69% Uninsured / uninsurable Get This Rate 4-Year Fixed National Bank 4.79% Insured / Insurable Get This Rate 2-Year Fixed National Bank 4.89% Insured / Insurable Get This Rate 7-Year Fixed National Bank 4.94% Insured / Insurable Get This Rate 10-Year Fixed MCAP 5.04% Insured / Insurable Get This Rate Ready to Lock In Your Rate? Get pre-approved in minutes. No obligation, no credit impact. Get Approved Today * Best rates compare insured, insurable and uninsured mortgages. Eligibility varies by lender, credit profile, down payment and property type. Subject to change without notice. OAC. 🏙️ Market Overview Calgary Mortgage Market Overview 2026 Calgary's real estate market has rebounded strongly, with prices up 4.2% year-over-year. The energy sector recovery and tech diversification have driven renewed demand. At $550,000 average, Calgary offers exceptional value—less than half of Toronto's prices. No provincial sales tax and lower land transfer fees make purchasing even more affordable. The rental market is extremely tight, with vacancy rates under 2%, making Calgary attractive for investors. Alberta Mortgage Advantages Alberta buyers benefit from several unique advantages: no provincial land transfer tax (unlike Ontario and BC), no PST on purchases, and ATB Financial offers competitive rates exclusive to Alberta residents. First-time buyers can maximize savings by combining federal programs with Alberta's affordability advantage. Calgary Neighborhoods by Budget Downtown and Beltline offer condo living from $200K-$400K. Inner city neighborhoods like Bridgeland, Inglewood, and Kensington range $400K-$700K for character homes. Suburban communities like McKenzie Towne, Auburn Bay, and Mahogany offer family homes from $450K-$650K. Premium areas like Mount Royal, Elbow Park, and Aspen Woods range $1M-$3M. 💡 Local Insights Mortgage Tips for Calgary Buyers Expert advice tailored to the local Calgary real estate market. First-Time Buyers Calgary offers exceptional affordability compared to Toronto/Vancouver with growing job market. Min. down payment: $27,500 (5% of avg. price) Refinancing Rising equity from recent appreciation makes refinancing attractive for debt consolidation. Investment Property Rental yields are strong—Calgary offers some of Canada's best cap rates for investors. Ready to buy in Calgary? Get pre-approved in minutes. No obligation, no credit impact. See what you qualify for today. Get Pre-Approved Free → 📍 Neighborhoods Popular Areas in Calgary Downtown Beltline Kensington Bridgeland Mission Inglewood Bowness 🏦 Local Lenders Top Mortgage Lenders in Calgary We compare rates from these and 50+ other lenders to find you the best deal. TD Canada Trust ATB Financial Servus Credit Union Connect First First Calgary ❓ FAQ Frequently Asked Questions About Mortgages in Calgary Is Calgary a good time to buy in 2026? Calgary offers excellent value with prices still well below 2014 peaks despite recent gains. Energy sector stability and tech growth support continued demand. Low inventory and tight rentals suggest continued price support. Does Alberta have land transfer tax? No, Alberta does not charge land transfer tax. You'll only pay a small title registration fee (approximately $50 + $2 per $5,000 of property value). This saves Calgary buyers tens of thousands compared to Ontario or BC. What are Calgary mortgage rates compared to other cities? Mortgage rates are generally consistent across Canada. However, Alberta-specific lenders like ATB Financial sometimes offer promotional rates for local buyers. Calgary's lower prices mean smaller mortgages and lower overall interest costs. Get the Best Mortgage Rate in Calgary Work with a local mortgage expert who understands the Calgary market. We compare rates from 50+ lenders to save you thousands. ✓ Free, no-obligation quote ✓ No credit impact ✓ 50+ lenders compared Get Your Free Quote Calculate Payments Related Mortgage Guides HELOC Payment Calculator Canada How Much Does It Cost to Refinance a Mortgage in Canada? Mortgages for Doctors, Dentists, and Medical Professionals in Canada (2026) What Income Do You Need for a Mortgage in Canada? Can You Be Denied a Mortgage Renewal in Canada?
