Your 3-Step Mortgage
Pre-Approval
✅ 40+ Lenders Compared for Best Rates
📜 Licensed Alberta Mortgage Consultant
🔒 Secure, Confidential & No Credit
👉 Fill out the form to get started
Know Where You Stand—Before You Start House Hunting
Whether you’re buying your first home, upgrading, or exploring options, I’ll help you secure the right mortgage—fast, confidential, and tailored to your goals. With access to 40+ lenders and expert guidance, you’ll know exactly where you stand before you start house hunting.
Most approvals are returned within 24 hours. No pressure, no guesswork—just clarity.
The Smarter, Simpler Way to Get a Mortgage
Get expert mortgage advice without the stress. Whether you’re buying your first home, renewing, or refinancing – I will guide you through every step with clear options, competitive rates, and fast pre-approvals.
No jargon. No pressure. Just honest solutions that make sense.
Book Your Free Consultation
Book a phone call or Microsoft Teams meeting to discuss your questions and explore options related to mortgages, insurance, investments, or travel coverage. This session is focused on understanding your needs and providing clear, professional guidance — without pressure or obligation.
Choose a time that works for you, and we’ll take it from there.
Mortgage Options We Offer - From 1st Home To Investments
I offer tailored mortgage solutions to fit your life, your goals, and your timeline. I specialize in:
🏦 A Lender Mortgages
Best rates from major banks and credit unions—ideal for borrowers with strong credit and income.
🧮 B Lender Mortgages
Flexible approval for self-employed, newcomers, or those with credit challenges. Slightly higher rates.
💼 Private Mortgages
Short-term financing from private investors—great for urgent closings, equity takeouts, or unique properties.
🔁 Mortgage Refinancing
Access equity, lower your rate, or consolidate debt. Available through A, B, or private lenders.
🏘️ Rental & Investment Mortgages
Buy a second home or rental unit with tailored financing and insurance options across lender types.
🧱 Home Equity Line of Credit (HELOC)
Tap into your home’s value with a revolving credit line—available to qualified borrowers with strong equity.
Types of Mortgages
🏦 Fixed-Rate Mortgage
A fixed-rate mortgage gives you long-term stability by locking in your interest rate for the entire term—typically 1 to 5 years. Your monthly payments stay the same, regardless of market fluctuations. This makes budgeting easier and protects you from future rate increases. It’s a great choice if you value predictability and want peace of mind throughout your mortgage term.
Great for: • First-time buyers • Families • Salaried professionals • Long-term planners
- ✅ Predictable monthly payments
- ✅ Protection from rising interest rates
- ✅ Easier long-term budgeting
📉 Variable-Rate Mortgage
A variable-rate mortgage offers a lower starting interest rate and adjusts based on the lender’s prime rate. Your payments may stay fixed while the interest portion fluctuates, or both may change depending on the product. This option can save you money if rates drop, but it also carries some risk if rates rise. It’s ideal for clients who are financially flexible and want to take advantage of market trends.
Great for: • Rate-savvy buyers • Short-term owners • Financially flexible clients
- ✅ Lower initial interest rate
- ✅ Potential savings if rates fall
- ✅ Option to convert to fixed later
📊 Adjustable-Rate Mortgage (ARM)
An adjustable-rate mortgage is a type of variable mortgage where both your interest rate and monthly payment change with the prime rate. Unlike variable mortgages with fixed payments, ARMs reflect rate changes directly in your monthly cost. This gives you full exposure to interest rate movement—ideal if you expect rates to drop and are prepared for increases. It’s a transparent, market-driven option for confident borrowers.
Great for: • Investors • Short-term owners • Clients planning to refinance
- ✅ Full market responsiveness
- ✅ Potential for lower payments when rates fall
- ✅ Transparent cost structure
Calculators
Estimated Payment
Estimated Affordability
Enter your details to see how much home you can afford.
Summary
Mortgage FAQs: Everything You Need to Know
A mortgage pre-approval helps you understand how much you can afford before you start house-hunting. It also locks in an interest rate (usually for 90–120 days) and shows sellers you’re a serious, qualified buyer.
My online pre-approval is a soft inquiry — it doesn’t impact your score. A full lender pre-approval requires a hard credit check, which has only a small and temporary effect.
Your mortgage affordability depends on your income, debts, down payment, and current interest rates. Use the Affordability Calculator or start your Pre-Approval to get a personalized estimate.
Yes—we offer mortgage life insurance, disability coverage, and critical illness protection through our SecureYourLife.ca platform. It’s all part of your holistic financial plan
You need at least 5% down for homes under $500,000. For homes between $500,000 and $1 million, the minimum is 5% on the first $500K and 10% on the remainder. Homes over $1 million require a 20% down payment.
If your down payment is less than 20%, default insurance (CMHC, Sagen, or Canada Guaranty) is required. It protects the lender but allows you to qualify with a smaller down payment.
Most approvals are completed within 24–48 hours after you’ve submitted all documents. Timelines vary depending on the lender and property type.
Yes! I work with lenders that offer self-employed programs. We can use business bank statements or financials to qualify your income and secure competitive rates.
Typical costs include appraisal, legal fees, title insurance, and sometimes lender administration fees. I’ll provide a clear breakdown before you commit.
Begin your journey with a quick Pre-Approval Form or submit the Full Mortgage Application. You can also book a 15-minute call to discuss your options — I’ll guide you through every step.