Buying a home shouldn’t mean hoping you didn’t miss something. As your Calgary mortgage broker, we walk through every option in plain language, so you know exactly what you’re signing – and why.
Tell us where you’re at. No judgment, no jargon — just an honest conversation about what you’re looking for and what’s possible.
We map out your options in plain language — what you qualify for, what it actually costs, and what makes the most sense for where you’re headed.
No second-guessing. You’ll know exactly what you’re signing and why — and we’ll be there every step of the way.
What our clients say matters more than what we say.
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Your bank can only offer you its own products, and it’s rarely the one calling when a better option comes along. We have access to more lenders and more ways to structure your mortgage around what you’re actually trying to do. You’ll see your options laid out in plain language, with the reasoning behind each one, so you know exactly what you’re choosing and why.
For most residential mortgages, nothing. The lender pays us when your mortgage funds. If your file ever does carry a fee (with some private lenders, for example), you’ll know upfront, in writing, before you commit to anything. No surprises.
It’s almost never too early. A conversation now shows you what you can comfortably afford and what to work on first, so you start looking prepared, not guessing. When you’re ready, a pre-approval (a lender’s conditional OK on how much you can borrow) can hold a rate for 90 to 120 days, depending on the lender.
It depends on the price of the home. The minimum is 5% of the first $500,000 and 10% of the portion between $500,000 and $1.5 million. Homes at $1.5 million or more need at least 20% down. With less than 20% down, your mortgage needs default insurance, which protects the lender and is added to your mortgage. We’ll walk you through what that looks like for your budget, including programs like the First Home Savings Account (FHSA) and the Home Buyers’ Plan (HBP).
Not before you’ve seen your other options. A renewal offer isn’t always the best rate your lender has, and most people sign it because nobody told them they could compare. At maturity you can usually move to another lender without a penalty. Ideally, start the conversation about four months before your renewal date so you have time to decide without feeling rushed.
Yes, and you won’t be judged for where you’re starting from. Income that looks messy on paper, or credit you’re rebuilding, often means a flat no at a single bank. We’ll explain exactly how a lender will look at your situation. When a mainstream lender isn’t the right fit, we have access to products built for situations like yours. And if the timing isn’t right yet, we’ll tell you honestly and map out what would improve your options.
That’s where most lenders go quiet, and where we don’t. We keep an eye on rate changes, your renewal date and changes in your life that could open up a better setup, and we reach out first. You won’t have to chase us. Getting your mortgage is the start of working together, not the end.
Not at all. Calgary and Alberta are home, but our brokerage, Indi Mortgage, is licensed in every province, so we can help you wherever you live in Canada. Living outside Canada and buying here? We can walk you through what’s possible for your situation. And if you’re buying a property in the US or Mexico, we can help with that too!
Let’s talk about what’s possible. No pressure, no jargon — just a clear conversation about your next step.
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