Current 2026 Average Mortgage Interest Rates in Alberta (Airdrie)
Buying in Airdrie, renewing a mortgage or thinking about a refinance? Start with the published numbers: the average rates Canadians paid on new mortgages, and the typical posted rates at the major banks. Each figure below is dated and linked to its source, and the page is checked against those sources every day.
Apply online, or book a call and John will walk you through pre-approval. Approval is not guaranteed and depends on lender review.
Average and typical posted mortgage rates
These are published averages and typical posted rates for Canada, the figures Alberta borrowers are generally compared with when they buy, renew or refinance in Airdrie. They aren’t an offer or a quote from me or any lender. To turn a rate into a payment, try the Airdrie mortgage payment calculator.
Last updated: . Each table shows its source and the period it covers.
Average rates on new mortgages at Canada’s chartered banks,
| Rate type and term | Insured | Uninsured |
|---|---|---|
| Variable rate | 3.75% | 3.86% |
| Fixed, 1 to under 3 years | 4.88% | 5.31% |
| Fixed, 3 to under 5 years | 3.99% | 4.08% |
| Fixed, 5 years or more | 4.05% | 4.49% |
| All rate types and terms | 4.16% | 4.29% |
Rates are set by lenders and may change at any time without notice. Please contact me to confirm current rates and availability before making any decisions.
Rates may not be available in certain regions. Please reach out to confirm availability.
Source: Statistics Canada, Table 10-10-0006-01, “Funds advanced, outstanding balances, and interest rates for new and existing lending, Bank of Canada” (opens in a new tab), released . Volume-weighted average rates on new mortgage money advanced by chartered banks in , including new purchases, renewals and refinances. Canada-wide: no Alberta-specific average is published by these sources. “Insured” usually means less than 20% down.
Typical posted rates at Canada’s major chartered banks, week of
| Term | Rate type | Typical posted rate |
|---|---|---|
| 1-year | Fixed (conventional) | 5.49% |
| 3-year | Fixed (conventional) | 6.05% |
| 5-year | Fixed (conventional) | 6.19% |
Rates are set by lenders and may change at any time without notice. Please contact me to confirm current rates and availability before making any decisions.
Rates may not be available in certain regions. Please reach out to confirm availability.
Source: Bank of Canada, “Interest rates posted for selected products by the major chartered banks” (opens in a new tab) (Valet series V80691333, V80691334 and V80691335, “Conventional mortgage”), week of . These are typical posted rates, not discounted rates, and they’re Canada-wide.
Neither table is an offer or a quote, and neither is specific to Airdrie. The averages are what borrowers across Canada paid on average, and the posted rates are the banks’ advertised starting point, which is why they’re higher. Your rate depends on your situation, the property and the lender, and every mortgage is subject to lender approval.
What these rates mean for an Airdrie mortgage
Lenders set rates for each file. Two Airdrie buyers on the same street can be offered different rates because of their credit, income, down payment, whether the mortgage is insured and the term they choose. The averages help you judge whether an offer is in a sensible range; they don’t tell you what you’ll be approved for.
- Buying your first home? Read the first-time home buyer guide for Airdrie.
- Renewal letter on the way? Compare your renewal offer before you sign.
- Thinking about tapping your equity? See refinancing in Airdrie.
- Want to see a payment? Use the mortgage payment calculator with a rate you want to test.
Airdrie mortgage rate FAQs
What are the average mortgage interest rates in Alberta in 2026?
Statistics Canada and the Bank of Canada don’t publish an Alberta-only average, so this page shows the Canada-wide averages that Alberta borrowers, including Airdrie homeowners, are generally compared with. The tables above give the latest figures, the period each covers and a link to each source.
Why are the posted rates higher than the average rates?
The Bank of Canada series shows the typical posted rates the major banks advertise, which are a starting point, not discounted rates. The Statistics Canada averages show what borrowers actually paid on new mortgages, after discounts, so they’re usually lower.
Will my Airdrie mortgage rate be the same as the average?
Not necessarily. Your rate depends on your credit, income, down payment or equity, whether the mortgage is insured, the term and the property. Every mortgage is subject to lender approval, so contact me to confirm current rates and availability for your situation.
How often is this page updated?
The figures are checked against the Bank of Canada and Statistics Canada every day. The Bank of Canada posted rates are weekly, and the Statistics Canada averages are monthly and released about two months after the month they describe. The “Last updated” date shows when the numbers last changed.
Talk to John about rates for your Airdrie mortgage
Rates change often, and the rate you’re offered depends on your file. Contact me to confirm current rates and availability before you make a decision.
Apply online, or book a call and John will walk you through pre-approval. Approval is not guaranteed and depends on lender review.
- Phone: 403-879-2065
- Call or text: 250-212-8512 · Send a text
- John Antle, Mortgage Associate - Team Lead, Pineapple National Inc.
- Email: johnantle@gopineapple.com
- Based in Olds. Serving Airdrie, Rocky View County, Crossfield, Balzac and the Calgary area by phone, video and in person by arrangement. There is no Airdrie office.