Present a comprehensive, filterable rate table segmented by mortgage type (fixed 1–5 year, variable, HELOC) with columns for lender name, rate, APR, and features. Include ATB Financial and Connect First Credit Union prominently. Explain Alberta-specific factors affecting rates including the oil/gas sector cyclical risk lens that lenders apply. Add a rate forecast section covering projected Bank of Canada rate path to 2.25–2.75% by end of 2025 and what it means for Calgary buyers timing their purchase.