# Calgary Mortgage Rates 2026: Live Big 5 & Calgary Broker Rates

> Current Calgary mortgage rates from Canada’s Big 5 banks and major challenger lenders. Alberta has no provincial land transfer tax — only title registration fees. Calgary market context and energy-cycle exposure. Updated daily.

Category: Mortgage Rates
Last verified: 2026-08-29
Source: https://ratellow.com/mortgages/rates/calgary

## TL;DR
- Live card as of 2026-09-21: 5-year fixed 4.44% · 3-year fixed 4.24% · 5-year variable 3.49% · Prime 4.45%.
- Alberta charges no provincial land transfer tax — registration fees only. Lender contract rates are national.
- Alberta is a Torrens jurisdiction with no percentage land-transfer levy. A Calgary closing funds through the Land Titles Office: a flat registration fee plus a small ad-valorem charge ($50 plus $2 per $5,000 of value, and a parallel mortgage-registration scale).
- Uninsured straight switch at renewal: no prescribed MQR since 21 November 2024. Refinance is always tested.