Whether you're purchasing your first home, refinancing, investing in commercial property, or unlocking equity in retirement — our licensed mortgage advisors guide you through every option with clarity, speed, and genuinely competitive rates.
From first-time buyers to seasoned investors and retired homeowners, our advisors help you find the right mortgage product — with transparent terms and guidance you can trust.
Finance the purchase, refinance, or development of income-producing properties with a commercial mortgage structured around your business cash flow. We work with a broad lender network — banks, credit unions, and private lenders — to source competitive terms for office buildings, retail plazas, multi-family units, industrial facilities, and mixed-use developments. Our advisors assist with underwriting, appraisals, and lender negotiations from start to close.
From pre-approval to final funding, we guide homebuyers and homeowners through every type of residential mortgage — first-time purchases, renewals, refinances, home equity lines of credit (HELOCs), and investment property financing. We compare rates and terms across dozens of lenders to ensure you secure the best possible mortgage for your situation, whether you're self-employed, new to Canada, or have a non-traditional income profile.
Homeowners aged 55 and older can access up to 55% of their home's appraised value as tax-free cash — with no monthly mortgage payments required for as long as you live in your home. A reverse mortgage is an ideal way to supplement retirement income, cover healthcare costs, or fund major expenses without selling your property or downsizing. We clearly explain all conditions so you can make a fully informed decision.
We do more than find you a rate — we structure your mortgage around your complete financial picture, integrating it with your tax planning, investments, and long-term goals.
Have more questions? Our mortgage advisors are happy to help — book a free consultation today.
A fixed-rate mortgage locks in your interest rate for the entire term — typically 1 to 5 years — so your payments remain the same regardless of what happens in the market. A variable-rate mortgage fluctuates with the lender's prime rate: when rates fall, you pay less; when they rise, you pay more. Variable rates have historically averaged lower over time, but fixed rates provide certainty and peace of mind. We help you weigh your risk tolerance and outlook to choose the right option.
The minimum down payment in Canada depends on the purchase price. For homes up to $500,000, the minimum is 5%. For the portion between $500,000 and $999,999, it rises to 10%. For homes $1,000,000 and above, a 20% down payment is required and mortgage default insurance (CMHC) is not available. Putting down less than 20% on an eligible property requires CMHC insurance, which is added to your mortgage principal. We walk you through all the numbers before you make an offer.
Yes — self-employed borrowers can absolutely qualify for a mortgage, though the process differs from salaried applicants. Lenders typically want to see 2 years of T1 General tax returns, Notices of Assessment, and business financial statements. Because self-employed income is often reported lower due to deductions, we work with lenders who understand business income and use stated income or alternative qualification programs when appropriate. Our accounting team can also advise on how to structure your income for the best possible mortgage qualification.
A reverse mortgage allows Canadian homeowners aged 55 or older to access up to 55% of their home's appraised value as tax-free cash — with no monthly mortgage payments required while you live in the home. The loan, plus accrued interest, is repaid when the home is sold or ownership transfers. To qualify, you must be at least 55, the property must be your primary residence, and all titleholders must meet the age requirement. We explain all the terms clearly so you understand the long-term implications before proceeding.
A standard residential mortgage application typically requires: two pieces of government-issued ID, recent pay stubs (last 2–3 months) and a letter of employment, the last 2 years of T4 slips and Notices of Assessment, 3 months of bank statements showing your down payment funds, and details on existing debts (credit cards, car loans, etc.). Self-employed applicants will also need business financials. For a commercial mortgage, we'll need property financials, lease agreements, and corporate tax returns. We provide a complete checklist at the start of the process.
In your free initial consultation — available in person at our Sherwood Park office, by phone, or by video call — we review your financial situation, goals, credit profile, and timeline. We explain which mortgage products are the best fit, what rates you can realistically expect, and outline next steps toward pre-approval. There is no obligation, no cost, and no pressure. Most clients leave with a clear path forward and far more confidence about the process.
Estimate your monthly payment, total mortgage cost, and interest paid — then view a full yearly amortization schedule.
Calculate your estimated monthly payment, total cost, and interest paid over the life of your mortgage using the declining balance (amortization) method.
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