Rates are the headline. Strategy is the story.We compare the whole mortgage — penalties, portability, prepayment — not just the number. How RateWatch+ works
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OK, who are we kidding—it's hard work. Years of it, building the tools, the process and the little touches that make a mortgage feel this easy. None of it happened by accident. We did the hard work so the experience doesn't feel like any.

Say hello to the easiest way to mortgage.

Our story

We're in yourcorner.

Hello Mortgage was created to be different. Founded in 2020, in the middle of a pandemic that turned Alberta's housing market upside down, we set out to change how a mortgage feels: in our industry, in how every client is treated along the way, and in the communities we live in.

First, we built a way of doing mortgages around the person instead of the file: a Strategy Plan with every option side by side, a rate hold so the plan is safe to act on, and plain-English updates from application to keys. Then we built a model where the mortgage keeps doing good after it funds. Part of what we earn on every mortgage goes to youth, kids and families across Alberta.

Six years on, the idea hasn't changed. We start with your life, not your file. We teach you how the pieces fit, and when the time comes, we build the mortgage around your plan. You will always know what's happening and why. Mortgages can be confusing and stressful. They don't have to be, and we work every day to make sure yours isn't.

It all comes back to one thing: we're in your corner, not the bank's.

Edmonton is home. Alberta is our playground.

IndependentLicensed in Alberta (RECA)Powered by BRX Mortgage

Guiding principles

We're not your typical mortgage team. These are the rules we work by.

Be Clear

Plain English or nothing. If we use a term, we explain it. If there's fine print, we read it to you before you sign, not after.

Zero mortgage-speak. A promise, not a tagline.

Be Thorough

One number is a verdict. We'd rather show you the handful of ways your goal could work, side by side, and let you choose on purpose. That's the Strategy Plan.

Options, not a verdict.

Be There

Most brokers vanish after the keys. We stick around: a monthly report that watches your rate and your equity for you, Renewal Defense when the letter shows up, and an annual check-in.

Your bank stops calling. We don't.

Have a Good Time

A mortgage doesn't have to feel like a root canal. We keep it light, we keep it human, and closing day comes with a playlist.

It's always a good time.

The experience

How it feels to work with us—and what we do to make it feel that way.

Nobody remembers their rate. They remember how it felt: the moment the plan made sense, the update that arrived before they had to ask, the day the keys were in their hand. So we start with the feeling and build the process to deliver it.

You feel

Calm

You always know what's happening.

  • Fourteen milestone updates in plain English, from application to keys
  • One point of contact: the person you start with is the person you finish with. No queue, no "let me transfer you."
  • Closing costs and documents spelled out a week ahead—no last-minute scramble
  • Zero cost to you: on nearly every purchase, renewal and switch the lender pays us. If a file ever needs a fee lender, you hear the number first.
You feel

Understood

We start with your life, not your file.

  • A fifteen-minute phone call before any paperwork
  • Zero mortgage-speak—if we use a term, we explain it
You feel

Confident

You decide on purpose.

  • A written Strategy Plan with every option side by side
  • A 120-day rate hold so the plan is safe to act on
  • We read the fine print: penalties, portability, prepayment, collateral charges. The stuff that costs more than a rate ever will.
You feel

Celebrated

The wins get marked.

  • Closing day comes with a playlist. It's a thing.
  • Surprise-and-delight moments along the way—we won't spoil them here
  • Milestones matter to us because they matter to you
You feel

Looked after

For years, not weeks.

  • White-glove, on purpose: we take a limited number of clients each month so every file gets the attention it deserves
  • Monthly homeowner reports: your equity, your rate against the market, and an alert when there's savings
  • An annual review, unprompted
  • Renewal Defense when the letter shows up
  • The Inner Circle: realtors, lawyers, inspectors, appraisers and movers we've already vetted. Yours to borrow.
Thanks to our clients

Kindness mattersmost.

Your mortgage doing good. Our job is helping you win: the keys, the equity, the breathing room. But a win that stops at your front door isn't much of a win. So with every mortgage funded, a portion of what we earn goes straight back out the door. Yes, really. That makes you a changemaker; we're just the ones who hold the door. And rather than tell you about it, we'd rather just show you.

Project CHEW

University of Alberta

Health, empowerment and wellness for 2SLGBTQ+ youth in Edmonton.

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Camp fYrefly

Alberta

A leadership retreat where 2SLGBTQ+ youth get to be exactly who they are.

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Stollery Children's Hospital

Foundation

Because every kid in Alberta deserves the best care, closest to home.

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Brokers Who Care

Matt is a member

Brokers across Canada pool $100 each every quarter, vote, and send a family in crisis a $10,000 cheque. $520,000 and 75 causes so far.

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Homeownership for everyone

A mortgage should be available to everyone.

Whatever you look like, wherever you started, however you earn. We find the lender that says yes and we build the plan that gets you there.

2SLGBTQI+ Mortgages

Referred to the way you ask to be. Lenders who don't blink.

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New to Canada

Programs that count your history, even when a credit bureau can't.

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First-Time Home Buyers

Programs, down payment help and the whole first-home game plan.

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Self-Employed

Lenders who understand a business return, not just a T4.

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Restaurant & Retail Workers

Hours, declared tips and the second job—counted the way lenders actually allow.

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Straight from Google

Our clients say it better.

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

Read our reviews on Google

Thanks for the help and for the quick service and answers.

★★★★★— Joe V.St. Albert1 / 145
Good questions

The honest answers.

Your personal, written plan, built around what you're trying to do rather than just what you qualify for. For a purchase it shows how we got to your number, your maximum, and several budget options side by side: price, term, amortization, payment, closing costs and the penalty math on your numbers. Refinance and renewal clients get the same treatment, every option compared and explained. One number is a verdict. This is the alternative.
A bank gives you one number and one term. We show you the range you actually qualify for and what each version costs and commits you to, so you pick on purpose. Then we shop it across dozens of lenders instead of one, and we stay in your corner after it funds.
Yes. Once your Strategy Plan is built, we hold a rate for up to 120 days, so if rates rise you're protected. RateWatch+ is the other half: between approval and closing we keep checking your lender, and if their rate drops we negotiate the lower one for you. Banks don't offer you the drop. Nothing to do on your end.
Every meaningful step, from application received to documents complete, submitted, approved, conditions cleared, instructions to your lawyer and funded, triggers a plain-English update. You're never left wondering what's happening or what's next.
We keep watching. Every month you get a homeowner report with your home's value, your equity and your rate against the market, with an alert if there's savings on the table. Once a year we check the mortgage still fits your life. And when the renewal letter arrives, Renewal Defense shops it against the whole market before you sign anything.
On the vast majority of files, no. The lender pays our fee. If your situation needs a lender that charges a brokerage fee, we tell you the exact amount and why before you decide anything.
From what we earn when a mortgage funds, never from you. A portion of every funded mortgage goes to Project CHEW, Camp fYrefly and the Stollery Children's Hospital Foundation, and every quarter Matt chips in with Brokers Who Care to send a $10,000 cheque to a family in crisis. Your mortgage, doing good.
We take a limited number of clients each month. That's deliberate: it's how the person you start with stays the person you finish with, how updates arrive before you ask, and how every file gets read properly instead of pushed through a queue.
We work with clients across Alberta by phone, video and a secure portal, so there's no office visit needed. Edmonton is home, but the process is the same in Calgary, Red Deer, Lethbridge or Lac La Biche. Alberta is our playground.

Let’s make your mortgage make sense.

Ready for a mortgage that comes with a plan, a held rate and a human who texts back? Start with a conversation. No pressure. No mortgage-speak.

Let’s Talk Mortgage
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Your 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.

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