FAQ
Do you only work with clients in Southern Alberta?
No. I work with clients across Alberta. While my local areas are in Southern Alberta and small-town communities, my process is fully remote and designed to support clients anywhere in the province.
Why a mortgage broker instead of my bank?
A mortgage broker compares options from multiple lenders and provides independent advice. Banks can only offer their own products, while a broker helps you choose a mortgage strategy that fits your unique needs — not a sales target.
Is the lowest rate always the best mortgage?
Not always. The lowest rate can come with higher penalties, mandatory insurance premiums, limited flexibility, or poor renewal options. A well-structured mortgage focuses on long-term cost, flexibility, and future plans with the whole picture in consideration. The lowest rate doesn't always equal the lowest cost.
When should I start the mortgage process?
Ideally before you start shopping. A proper pre-approval helps you understand your real budget, strengthens your offer, and prevents last-minute surprises.
Should I renew with my current lender?
This is a question I get all the time. Auto-renewing is convenient, but it often costs more than people realize. Having a mortgage broker on your side is free to you, and good leverage with lenders. Reviewing your options before renewal allows you to renegotiate terms, reduce long-term costs, and realign your mortgage with your current situation.
How are you paid as a mortgage broker?
In most cases, lenders pay a fee once your mortgage funds. There is typically no direct cost to you for standard mortgage services. Any exceptions are disclosed upfront.
How are you paid as a mortgage broker?
In most cases, lenders pay a fee once your mortgage funds. There is typically no direct cost to you for standard mortgage services. Any exceptions are disclosed upfront.