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Mortgage Solutions · Airdrie

2SLGBTQI+ Mortgages in Airdrie

Buying a home should feel exciting, not like something you have to brace yourself for. We're mortgage brokers and we're part of the 2SLGBTQI+ community—so from the first hello you'll be seen, heard and treated like family. Buying with a partner, with friends or on your own: we've got your back.

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2SLGBTQI+ mortgage broker in Alberta — Hello Mortgage Team

Most of us have a story about a professional who made us feel like a problem to be handled. The banker who kept saying "your friend." The form that only had two boxes. The moment you decided it was easier not to mention it. We've been there too. That's the whole reason this page exists.

Here's what we know after a lot of years and a lot of kitchen tables: getting a mortgage isn't hard because of the math. It's hard because it's personal. Your income, your relationship, your plans, your name—all of it goes on the table in front of a stranger. That's easier when the stranger already gets it. When you don't have to explain your family, translate your life into someone else's categories, or wonder what the person on the other end of the phone is thinking.

So that's what we offer. A very good mortgage, from people who see you clearly and have your back—with the lender, with the lawyer, with the realtor, and with the neighbourhood question you might not want to ask anyone else. (We also do the math. We're very good at the math.) Everything below is how that plays out in practice.

I Am What I Am

Seen. Heard. Never "Your Friend."

Housing is still the place where our community runs into discrimination most often—anyone who's rented an apartment as a queer couple knows the feeling. The extra questions. The pause. The tone that changes. We can't fix the whole industry. What we can do is promise what it's like to work with us.

01

Judgement-Free, Start to Finish

Nobody at our table is deciding whether your life makes sense—we're too busy deciding whether your debt ratios make sense, and those we can usually fix. Two moms, two dads, a throuple buying a duplex, a trans man buying his first condo, a 60-year-old finally buying alone after a long marriage: we've been glad to help every one of them, and nobody had to explain themselves to get started.

  • Your household, your words: partner, spouse, husband, wife, co-owner, chosen family. We use the words you use.
  • Ask us anything: the question you think is silly is usually the one that matters most. Ask it.
02

Someone in Your Corner

Lenders review files. Underwriters ask questions. Sometimes those questions land differently when the application doesn't look like the template. Our job is to stand between you and that—to answer for you, to push back when something's unnecessary, and to move your file to a different lender if the first one isn't a fit.

  • We know the lenders whose people and systems handle every kind of family gracefully, and we route your file accordingly.
  • You'll never be the test case. If a form or a process would put you through something awkward, we've already found a way around it.
03

Your Business Stays Your Business

Your information goes to the lender we submit to and the lawyer you choose—that's it. Nothing about your identity, your relationship or your household goes anywhere it doesn't need to, and nobody markets to you without your say-so.

  • Discreet by default: we ask how you'd like to be contacted, and we stick to it.
  • Documents by secure link, never by unencrypted email.
We Are Family

Two Dads, Three Roommates, or Just You

Our families come in every shape, and the mortgage rules are more flexible than the forms make them look—as long as you set things up thoughtfully from the start. Here's how each one works, and where we make sure you're protected.

01

With a Partner You're Not Married To

Lenders treat common-law partners exactly like married couples: both incomes count, both credit files count, you qualify together. In Alberta you become "adult interdependent partners" after three years together (sooner with a child or a signed agreement), which shapes what happens to the house if you ever part ways—so a short conversation with a lawyer up front is one of the kindest things you can do for each other.

  • Joint tenancy: you own the whole home together and the survivor automatically keeps it. The default for most couples.
  • Tenants in common: defined shares (60/40, say) that pass through your will. Better when down payments are unequal or you have kids from before.
  • Cohabitation agreement: not romantic, deeply practical—who gets what if you split or one of you dies. We'll connect you with a lawyer who's written many for couples like you.
02

With Chosen Family or Friends

Two, three or four people on one mortgage is completely doable—most lenders allow up to four borrowers—and it's how a lot of our clients get into the market years earlier than they could alone.

  • Everyone qualifies together: incomes are combined and each person's credit is reviewed.
  • Title matters more: tenants in common with written shares is almost always right for non-couples.
  • Plan the exit before the entrance: a co-ownership agreement covering buyouts, sale triggers and who pays what if someone moves out. Boring now, priceless later.
03

On Your Own

No plus-one required. Single buyers are a huge part of our community and a huge part of our client base, and the numbers work more often than you'd think—especially in Alberta.

  • 5% down on the first $500,000, and since December 2024 first-time buyers can take a 30-year amortization on an insured mortgage to lower the payment.
  • FHSA: $8,000 a year, $40,000 lifetime, tax-deductible going in and tax-free coming out for a first home.
  • No land transfer tax in Alberta—one of the biggest advantages of buying here on one income.
04

If It Ends

Nobody plans for it, so we do. When one partner keeps the home, a "spousal buyout" refinance lets you borrow up to 95% of the home's value to pay out the other person—and it applies to common-law and adult interdependent partners, not just married couples.

  • What's needed: a separation agreement, an appraisal, and the person staying qualifying on their own income.
  • What we bring: lenders who've done this for couples like you before, and a lawyer who keeps it calm. More on mortgages after separation here.
Somewhere Over the Rainbow

A Neighbourhood Where You Can Hold Hands

For a lot of us, "the right neighbourhood" means something more than schools and commute times. It means being able to hold hands on the walk home. That's a real part of the search, and it's one we're happy to talk about openly.

01

Airdrie: Let's Find You the Right People

You don't need a gaybourhood to feel at home—you need a team that gets it. We'll match you with a realtor and a lawyer who'll treat you the way we do, whether that's someone local to Airdrie or one of our Edmonton or Calgary partners who works the area. You'll never be the one doing the explaining.

  • Ask us anything: which neighbourhoods clients like, which schools walk the talk, which realtor to call. Call or text.
02

A Team That Already Gets It

A home purchase involves a realtor, a lawyer, an appraiser, a home inspector and a lender. Over the years we've built a network across Edmonton, Calgary and Alberta of professionals who are community members themselves or have proven, repeatedly, that they get it.

  • Realtors who'll answer the neighbourhood question honestly and won't blink at your family.
  • Lawyers who've handled joint-tenancy, cohabitation and buyout agreements for queer couples and co-owners many times.
  • No obligation: bring your own people if you have them. We'll brief them so you don't have to.
03

Ask Us the Questions You Wouldn't Ask a Stranger

Is this a good area for us? Will the seller care who's buying? Do we both go to the signing? Can I use my chosen name on the offer? Is it weird that we want a yard mostly for the dog? We've heard every one of these, and there's a good answer for each. (No. It's not weird.)

  • Call or text—whatever's easiest for you.
  • No question is too small, and none of them will change how we see you.
Shantay, You Stay

From Hello to House Keys

Most of our clients go from "hello" to keys in six to twelve weeks, and the only thing you'll need to be during the process is yourself. Here's the whole thing, start to finish.

01

The Process, Step by Step

  1. Say Hello:A relaxed phone conversation about what you're aiming for, who's buying, and how you'd like us to refer to you. 15 minutes, no documents needed yet.
  2. Pre-Approval:We review income, credit and down payment for everyone on the application and give you a real budget with a 120-day rate hold. Anything in the paperwork that needs a quiet fix gets fixed here.
  3. Find the Place:House hunt with your own realtor or one from our network. We stay on call for "can we afford this one?" texts.
  4. Approval:Offer accepted, we submit to the lender that fits. Typically 3–7 business days, which is why your offer carries a financing condition.
  5. Keys:You sign with a lawyer who already knows your names and your ownership structure, and the home closes. We stay your mortgage people for life—renewals, refinances and every question in between.
02

Paperwork, Handled Without Fuss

The mortgage and title are registered in your legal name as it appears on your ID—that part isn't optional. Everything else is. If you've changed your name, are mid-change, or carry an X gender marker, tell us once and we take it from there.

  • Chosen name everywhere the law doesn't require otherwise: our emails, calls, pre-approval letters and introductions.
  • Credit history under a former name: we check that Equifax and TransUnion show your full history before we apply; a name-change certificate from Alberta Vital Statistics fixes any gaps.
  • Lender fit: some lender systems handle non-binary markers gracefully and some don't. We know which, and you'll never have to find out the hard way.
03

What We'll Ask You For

The same list every buyer gets—no extra hoops.

  • Government ID for each borrower (two pieces).
  • Income proof: recent pay stubs and last year's T4 or Notice of Assessment; two years of returns if you're self-employed.
  • Down payment history: 90 days of statements for the accounts the money is coming from, and a gift letter if family is helping.
  • Your questions. All of them. Yes, that one too.
True Colors

Your Mortgage, Doing Good

When you get your mortgage with us, part of it goes back into your community. With every mortgage funded, a portion of what we earn goes straight back out the door, and two of the places it lands every month are Project CHEW at the University of Alberta, which looks after the health and wellness of 2SLGBTQ+ youth in Edmonton, and Camp fYrefly, Alberta's leadership retreat where queer and trans youth get to be exactly who they are.

So while your mortgage is getting you the keys, it's also helping a kid in your community feel seen, supported and safe being exactly who they are. You don't have to do anything extra. It's built into how we work, and it's one more way your win reaches past your front door.

Where else your mortgage does good →

The Library Is Open

Just Here for the Reading? We Respect That.

Short reads from the Strategy Vault — the questions first-time and first-together buyers ask us most.

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How it works

We turn “what now?” into “we’ve got this.”

A clear process, real underwriting upfront and a team that keeps things moving.

Talk to real humans.Who come with a plan.

Tell us what you’re trying to do. We’ll ask the right questions, explain what matters and map out the smartest way forward.

Send the paperwork.We do the mortgage math.

Our team reviews everything upfront. Because surprises are fun at birthday parties—not during financing.

Mortgage approved.We keep it moving.

We manage the lenders, conditions and deadlines while keeping you updated when it actually matters.

Straight from Google

Our clients say it better.

Hello Mortgage Team has over 140 ★★★★★ reviews!

Read our reviews on Google

I had no idea where to start with my first mortgage, but Matt made it simple and stress-free. His guidance helped me secure a great rate, and I'm now officially a homeowner!

★★★★★— Jordan S.Alberta1 / 145
2SLGBTQI+ mortgage questions · Airdrie

The questions you’re asking. And the ones you should be.

Because a mortgage is personal—your income, your relationship, your plans and your name all go on the table in front of a stranger—and that's easier when the stranger already gets it. We're part of the community, so you'll never have to explain your family or wonder what the person on the other end of the phone is thinking. Everyone gets the same lenders and programs; you also get people in your corner.
It shouldn't, and with us it won't. Lenders decide on credit, income, down payment and the property. Where community members sometimes feel it is in the tone and the extra questions—and that's exactly where we step in, answer for you, and move your file to a different lender if the first one isn't a fit.
Yes. Lenders treat common-law partners exactly like married couples: both incomes and both credit files count and you qualify together. The bigger decisions are how you hold title—joint tenancy or tenants in common—and whether to sign a cohabitation agreement. We'll connect you with a lawyer who's done this for couples like you many times.
Absolutely—most lenders allow up to four borrowers on one mortgage, and it's how many of our clients get into the market in Airdrie years earlier than they could alone. Everyone qualifies together, title is usually held as tenants in common with written shares, and a co-ownership agreement covering buyouts and sale triggers is essential. We'll help you set it up.
More often than you'd think in Airdrie. Alberta has no land transfer tax, prices are lower than most of Canada, first-time buyers can put 5% down and take a 30-year amortization on an insured mortgage, and the FHSA lets you save $40,000 tax-free. Our affordability calculator builds in the stress test so the number you see is real.
Yes—and we'll talk about it openly. Edmonton and Calgary both have communities where the Pride flags stay up all year, and plenty of suburbs and small towns that are more welcoming than their reputation. Tell us what safety and comfort look like for you—privacy, proximity to your people, schools that walk the talk—and we'll match you with a realtor who knows the area and won't blink at your family.
Yes. We've built a network across Edmonton, Calgary and Alberta of realtors, real estate lawyers, appraisers and inspectors who are community members or have proven they get it. You're never obligated to use them—bring your own people if you have them, and we'll brief them so you don't have to.
Not if we know early. The mortgage and title are registered in your current legal name, so ID needs to match; everywhere else, we use the name you go by. The one thing people get tripped up on is credit history under a former name—we check Equifax and TransUnion before we apply, and a name-change certificate from Alberta Vital Statistics fixes any gaps. Tell us once, and we handle it quietly from there.
If one of you keeps the home, a spousal-buyout refinance lets that person borrow up to 95% of the home's value to pay out the other—and it applies to common-law and adult interdependent partners, not just married couples. You'll need a separation agreement and an appraisal, and the person staying qualifies on their own income. We handle these calmly and often.
Your information goes only to the lender we submit to and the lawyer you choose, and nothing about your identity or household goes anywhere it doesn't need to. As for cost: on the vast majority of purchases, renewals and switches the lender pays our fee, so our advice is free. If your file ever needs a lender that charges a brokerage fee, you'll hear the exact amount and why before you decide anything.

Let’s make your mortgage make sense.

Ready to apply—or still figuring out what’s possible? Start with a conversation. No pressure. No mortgage-speak. Just a clear plan.

Let’s Talk Mortgage
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