Alberta Mortgage Rates: Pineapple National Inc. Posted Rates

Posted rates for common terms, with the date they were last checked. Your rate depends on your situation, the property and the lender.

Posted rates as of October 27, 2026

Pineapple National Inc. posted mortgage rates as of October 27, 2026
Term	Posted rate
2-year fixed	4.14%
3-year fixed	4.19%
5-year fixed	4.09%
5-year variable	3.70%

Source: Pineapple posted rates (opens in a new tab) (Pineapple National Inc.). Posted rates as of October 27, 2026.

These are our posted rates. Lenders occasionally run unposted rate sales that aren't advertised, so reach out for the most current rates.

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.

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Rates are subject to change without notice. Posted rates are for qualified borrowers, on approved credit (OAC), and are not a guarantee of approval or of any rate. Your rate depends on your situation, the property and the lender. Posted rates are not annual percentage rates (APRs); the APR may be higher if fees or other costs apply. Every mortgage is subject to lender approval.

What affects the rate you're offered

Your down payment or equity, and whether the mortgage is insured (under 20% down) or uninsured.
The property: owner-occupied or rental, condo, acreage or new build.
Your income and credit, including how your income is documented if you're self-employed.
The purpose: a purchase, a switch at renewal or a refinance.
The term, rate type and features you choose, such as prepayment privileges and how penalties are calculated.

Before you choose, compare more than the rate: the term, prepayment options, penalties and portability all matter. See pre-approval and mortgage renewal for what to look at.

Frequently asked questions

What's the difference between a fixed and a variable rate?

A fixed rate stays the same for the whole term, so your payment doesn't change. A variable rate moves with the lender's prime rate, which usually follows Bank of Canada decisions. Depending on the lender, a change in prime can change your payment or how much of it goes to principal. Variable mortgages often have smaller prepayment penalties than fixed ones. Read more in Bank of Canada rate day: fixed vs variable.

Why might my rate be different from the posted rate?

Posted rates are a starting point. The rate a lender offers you depends on your situation, the property and the lender. Lenders also occasionally run unposted rate sales that aren't advertised, so reach out for the most current rates.

Can I hold a rate while I shop for a home?

Often, yes. Many lenders hold a rate with a pre-approval for a set period, commonly 60 to 130 days depending on the lender. A rate hold isn't a final approval. Read how a pre-approval rate hold works in Alberta.

Are these rates guaranteed?

No. Rates are subject to change without notice and are for qualified borrowers, on approved credit (OAC). Every mortgage is subject to lender approval, and your rate is only set once a lender confirms it in writing.

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