ATB Financial - (Company Overview) - Canadian Mortgage Lenders
In 2002, Alberta Treasury Branches adopted its current name, ATB Financial (ATB). Wholly owned and regulated by provincial government, ATB is the largest financial institution in Alberta. ATB delivers financial products and services to roughly 670,000 Albertan customers via its 160 branches and 130 agency locations.
Mortgages
ATB’s specialized mobile mortgage staff provides individualized services around-the-clock. ATB’s unique home loans include:
1. Skip Your Payment
This option allows customers to defer payments for up to two months in any given calendar year.
2. Portability Loan
With this feature, customers can literally take their mortgage along to a new home purchase. Portability loans permit the retention and application of the existing interest rate, balance and date of loan maturity to another home.
3. Early Renewal
ATB mortgage loans impose no penalty for early repayment. This allows easy access to lower interest rates – at any point during the loan’s life.
4. Extending and Blending
With this loan feature, one can lengthen the repayment term of an existing mortgage with a fixed interest rate prior to maturity without penalty. This option is excellent for those seeking to refinance or purchase a new home. With a blended interest rate on extended loan terms, one can enjoy substantial savings.
5. Loan Protection
In event of primary borrower death, the loan is cancelled in full. Should disability occur, mortgage payments are maintained for up to two years.
Savings and Investment Products
ATB offers a broad array of individual and business financial services. Its small business offerings include: acquisition financing, deposit accounts, credit cards, payroll servicing, online banking, and merchant payment processing. For consumers, ATB offers individual deposit accounts, loans, and personal Master cards.
Both novice and experienced investors can find profitable havens within ATB investment vehicles. Tax-Free Saver Accounts allow tax-deferred fund allocation for long and short-term financial objectives. Registered Retirement Savings Plans permit effective retirement saving during peak earning years. ATB also offers Guaranteed Investment Certificates and mutual funds.
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