Skip to content
    ArtisanArtisan Mortgages home
    — Rates

    Edmonton mortgage rates

    A mortgage rate is the interest a lender charges on the loan. Comparison sites refresh advertised coupons through the day. The number you sign is a quote on your credit, down payment, property, and insurer. Artisan Mortgages issues the second kind from Edmonton for clients in Alberta, BC, and Ontario — we do not paint a stale coupon on this page.

    Why there is no rate table here

    Lender desks reprice through the morning. A 5-year fixed that was true at 9 a.m. can be wrong by lunch. Posting a number would either mislead you or force us to pretend we are a live board. If you want today’s number on your file, we pull it from the panel and put a lender name on it.

    What changes your quote

    • Insured (under 20% down), insurable, or conventional — three different price lists at the same lender.
    • Owner-occupied versus rental.
    • Credit, income documentation, and the stress test (higher of contract + 2% or the OSFI minimum qualifying rate).
    • Prepayment room, portability, and how the penalty is calculated if you break the term.

    For the strategy behind fixed versus variable, read the 2026 journal piece. For a hold while you shop, start a pre-approval.

    Questions people ask next

    What are mortgage rates in Edmonton today?
    They move through the day with bond yields, lender desks, and whether the loan is insured. Artisan does not post a coupon on this page because it would be stale before you called. Ask for a named-lender quote on your file.
    Why don’t you list a 5-year rate here?
    A published number is an advertisement, not your contract. Credit, down payment, property type, and insurer rules change the price. We would rather give you the rate a lender will actually book than a figure that expired an hour ago.
    Should I pick the lowest variable I saw on a comparison site?
    Only after you understand prime, the discount, the penalty, and whether you can live with a rising payment. Read the fixed-versus-variable journal post, then ask for a quote that names the lender.
    Request a named-lender quote

    Your rate is the one on the commitment letter, not a figure on a webpage.