How itworks.
Most people's mental picture of getting a mortgage is a fog with a signature at the end. Here's the whole thing, every step, in order, in words you'd actually say out loud. Renewing or refinancing? Same steps. You just get to skip the open houses.
- 1You are hereFifteen minutes. Zero homework.
Say hello.
A real conversation with a real person, about your life. Where you're hoping to end up, when, and who's coming along for the ride. You'll hang up knowing what happens next, and probably a little lighter than when you picked up.
Book the call →
- 2Ten minutes. From the couch is fine.
Apply online.
One secure portal, one short application, and a checklist that says exactly what we need in words a human would use. Snap your ID, your pay stubs and ninety days of down payment history from your phone. Then go make dinner. We read every page, so you don't have to explain any of it twice.
Start the application →
- 3The kind of yes you can write an offer on.
Real underwriting, upfront.
Here's an industry secret: most "pre-approvals" are a rate and a hopeful guess. Ours isn't. We go through your income, credit and down payment the way the lender will, before you fall in love with a kitchen. So when we say yes, it stays yes when it counts.
- 4Your bank gives you a number. We give you the map.
Your Strategy Plan.
Nobody dreams of a 5-year fixed. They dream of the first set of keys, the debt finally gone, the kitchen that stops being "someday." So we start there and work backwards to the mortgage that gets you to it. Every version, side by side, in plain English: price, term, payment, closing costs and what it costs to leave early. You pick. It has your name on it.
- Plans we build most
- First set of keys
- Debt, gone
- The kitchen you keep postponing
- The next house
- Wealth you can actually see
Your bank$340,000One number. One term. One rate. Take it or leave it.
Questions? Press 4 for mortgages.Your Strategy PlanHi Maya! Here's your pre-approval strategy.Option 1$315,0005-yr fixed · 30 yrs$1,773/moPayment stabilityOption 2$300,0005-yr fixed · 25 yrs$1,805/moMortgage-free soonerOption 3$320,0005-yr variable · 25 yrs$1,805/moLower starting rateOption 4$340,0005-yr variable · 30 yrs$1,762/moMaximum purchasing power- Purchase price, down payment, insurance, total mortgage
- Payment at every term and amortization
- Closing costs, to the dollar, a week before
- Penalty math—fixed vs variable—on your numbers
- Down-payment sources and the exact documents each one needs
- Your 120-day rate hold, in writing
Illustrative numbers from a real (anonymised) plan. Yours will have your name on it. We promise.
- 5Rates go up? Covered. Rates go down? Also covered.
Rate hold. Then RateWatch+.
If rates go up: We hold your rate for up to 120 days. If the market climbs while you're touring open houses, your rate stays put.
If rates go down: Once you're approved, banks won't tell you their rate dropped. We will. RateWatch+ keeps checking your lender right up to closing and negotiates the lower rate for you. You'll hear about it in a very happy text.
- 6You find the house. We handle the rest of the sentence.
Shop, offer, approved.
Your offer goes in with a number you can stand behind and a financing condition that means something. From there, the lender, the appraisal, the conditions and every deadline are our problem to chase, not yours. If something's happening on your file, you'll hear it from us before you think to ask.
- 7You will never wonder "so… what's happening?"
Fourteen updates to funding.
Documents in. Submitted. Approved. Conditions cleared. Instructions sent to your lawyer. Funded. Fourteen little moments where most mortgages go quiet, and yours won't. Your closing costs land a full week ahead, to the dollar, so moving week is about boxes, not bank drafts.
- 8Cue the playlist. Yes, there's a playlist.
Keys.
You sign with a lawyer who already knows your file, the lender sends the money, and the keys are yours. We make a proper fuss, because you just did a big thing and somebody should say so out loud. Then we let you go find the light switches.
- 9The step your bank forgot to build.
Your mortgage, doing good.
Every mortgage that funds sends a piece of what we earn to kids, youth and families across Alberta. Not a checkbox, not a donation ask at the end. It's just how the business is built, which means you did some good in the world just by working with us. That's a pretty great side effect.
Where your mortgage does good →
That was easy!
Nine steps, and you're through the whole thing before your coffee got cold. The real version takes a few weeks instead of two minutes, but it feels a lot like this. And it ends with keys. Step one is still a 15-minute call. Go on, we're friendly.
The keys are the start, not the end.
Monthly homeowner reports that watch your rate for you, Renewal Defense when the letter shows up, an annual review, unprompted. Your bank stops calling. We don't. What happens after closing →
The process, answered.
Let’s make your mortgage make sense.
Step one is a 15-minute phone call. No documents, no pressure, no mortgage-speak. Just a clear picture of what's possible.
Let’s Talk MortgageYour mortgage questions live here.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.