Mortgage Broker Services in Calgary AB

Bad Credit Home Loans help Calgary buyers and homeowners get approved when a bank has already said no. Missed payments, collections, a consumer proposal, or a past bankruptcy don't have to keep you out of the market. I work with alternative lenders that look at your whole situation, not just your credit score.

Many clients use a one- to three-year term as a stepping stone, rebuilding their credit along the way. When the term ends, I review your file again and look for a lender with better terms, so you get into a home now and onto a lower rate as soon as your credit allows.

Bridge Financing covers the gap when you've bought your next Calgary home before the sale of your current one closes. A short-term bridge loan lets you use the equity in your existing home toward the down payment on the new one, so you don't have to line up two possession dates perfectly.

I arrange the bridge alongside your new mortgage in one application. Once you have a firm sale, I confirm how much equity can be bridged and work with your lawyer so funds are ready on possession day and the loan is paid off when your sale closes.

Cash Out Refinancing lets Calgary homeowners turn the equity they've built into cash by replacing their current mortgage with a larger one. Homeowners use the funds to renovate, pay off high-interest debt, cover tuition, or put a down payment on an investment property.

I compare refinance offers from multiple lenders and factor in any penalty on your current mortgage. Refinancing close to renewal can avoid that penalty completely, so I run the numbers both ways and show you the real cost before you commit.

Commercial Mortgage financing is for Calgary business owners and investors buying, building, or refinancing property used for business, from retail and office space to industrial bays and apartment buildings of five units or more. Lenders look closely at the property's income, the business behind it, and the down payment.

I prepare your application, gather the financials lenders ask for, and shop the deal to banks, credit unions, and private lenders. From the letter of intent through to funding, I keep the process moving and your deadlines on track.

Construction Mortgages finance the building of a new home, whether you're working with a builder in one of Calgary's newer communities or building a custom home on your own lot. The lender releases funds in draws as each stage of the build is completed and inspected.

I help you plan the budget, gather the plans, permits, and builder contract lenders need, and find a lender whose draw schedule fits your timeline. Once the home is finished, the loan converts to a regular mortgage.

First Time Homebuyer Mortgages are for people buying their first home in Calgary who want someone to guide them through each step. I start by working out what you can comfortably afford, then explain your down payment options and programs like the First Home Savings Account and the RRSP Home Buyers' Plan.

I also cover the closing costs buyers often miss, like legal fees and property tax adjustments. You'll get a pre-approval to shop with, a clear picture of your monthly payment, and someone to call with questions from offer through to possession day.

A Home Equity Line of Credit gives Calgary homeowners flexible access to the equity in their home, to draw on when needed and repay on their own schedule. You only pay interest on what you use, making it a good fit for renovations, investments, or unexpected expenses.

I compare HELOC options from multiple lenders and explain how much you can access. I also walk you through the risks, including how rate changes affect your payments, so your line of credit stays a useful tool and doesn't turn into long-term debt.

Investment Property Mortgages help Calgary investors finance homes, condos, and small multi-unit buildings bought for income or long-term growth. Lenders treat investment purchases differently from a home you live in, with larger down payments and different rules for rental income.

I work with lenders that are comfortable with investors, including those building a portfolio. I structure each mortgage with your next purchase in mind, so you're not boxed in by one lender's limits as you grow.

Mortgage Porting lets you take your existing mortgage rate, balance, and terms with you when you sell your Calgary home and buy a new one. If you locked in a low rate and breaking it would mean a penalty, porting can save you thousands.

I review your mortgage terms, check your lender's porting rules and deadlines, and confirm you'll qualify on the new home. I check these details before you list or write an offer, then compare porting against starting fresh so you choose the cheaper option.

Mortgage Pre-Approval tells you how much you can borrow before you start touring homes in Calgary, so you can move fast when the right place comes up. It can also hold an interest rate while you shop, protecting you if rates rise.

I review your income, credit, debts, and down payment, then lay out a realistic price range and monthly payment. I flag anything that could cause problems at final approval, so you have time to fix it. Getting pre-approved costs nothing and doesn't commit you to anything.

Mortgage Refinancing lets Calgary homeowners change their mortgage without moving. You might refinance to get a lower rate, consolidate high-interest debt, access equity for a renovation, or lower your payments with a longer amortization.

I start by working out what breaking your current mortgage would cost, then compare that against what a new mortgage would save you. Sometimes waiting until renewal is the better move, and I'll tell you if it is.

Mortgage Renewal is when Calgary homeowners have the most room to improve their mortgage, yet many simply sign whatever their bank sends. The first renewal offer is rarely the best rate available.

I review your renewal letter, compare it against other lenders, and tell you whether staying, negotiating, or switching makes the most sense. I recommend starting about four months before your maturity date, since a small difference in rate adds up to thousands over a five-year term.

A Mortgage Switch moves your existing mortgage to a new lender when your term is up, so you can take a better rate or more flexible terms instead of renewing with your current bank. You keep the same balance and remaining amortization.

I compare lenders, handle the transfer paperwork, and coordinate the payout with your current lender. In many cases the new lender covers the legal and appraisal fees, so switching costs you little or nothing.

Newcomer Mortgages help people who have recently moved to Calgary buy a home before building a long Canadian credit history. Many lenders offer programs for permanent residents and some work permit holders, using foreign credit reports, rent history, and proof of employment instead.

I explain the down payment requirements, which documents to prepare, and how your immigration status affects your options. Buying a home is a big part of settling in, and I help make it a clear, manageable process.

Private Mortgages provide financing from private lenders when a bank says no or can't move fast enough. Calgary homeowners often use them for credit problems, income that's hard to document, or a purchase that needs to close quickly. Approvals can happen in days rather than weeks.

Private mortgages cost more than bank financing and usually run one or two years, so I treat them as a bridge, not a permanent solution. I work with trusted private lenders, explain the fees up front, and help you plan your move back to a traditional lender.

Rental Property Mortgages finance homes and suites you plan to rent out in Calgary, whether it's a condo near downtown, a house with a legal basement suite, or a duplex. Lenders look at the down payment, the expected rent, and your own income.

Lenders count rental income in different ways, and that can change how much you can borrow. I know which lenders treat rental income most favourably and match your purchase to the right one, whether it's your first rental or your fifth.

A Reverse Mortgage lets Calgary homeowners aged 55 and over turn part of their home equity into tax-free cash without selling or moving. No regular payments are required, and you keep ownership of your home the whole time.

The loan is repaid when you sell, move out, or pass away, and interest is added to the balance over time. I explain how much you may qualify for, the costs involved, and how it compares with a HELOC or downsizing. I encourage clients to involve family in the decision.

Second Home Mortgages finance a cottage, cabin, or second residence for your own use, whether it's a mountain getaway in Canmore, a lake property elsewhere in Alberta, or a condo in Calgary for family.

Down payment and qualifying rules depend on how the property is used and accessed, and properties without year-round access often need a specialized lender. I help you work through those rules, compare lenders, and check whether using equity from your primary home makes more sense.

A Second Mortgage lets Calgary homeowners borrow against their home's equity without touching their first mortgage. It's useful when you have a great rate you don't want to break or a large penalty for refinancing.

Second mortgages carry higher rates than a first mortgage and usually have short terms. I compare options from institutional and private lenders, weigh the total cost against refinancing or a HELOC, and help you plan how the loan will be paid off.

Self-Employed Mortgages help business owners, contractors, and commission earners in Calgary qualify based on what they really earn. Traditional lenders often rely on taxable income, which can look low after business write-offs.

I work with lenders that accept bank statements, stated income programs, and business financials, and know how to present variable or seasonal income so it counts. I tell you exactly which documents to prepare and find a mortgage that fits the way you work.