I wonder how much money I am going to save you.

You want free mortgage advice from a full service mortgage brokerage company that is local and based in Calgary, Alberta right? 

We provide mortgage advice, mortgage products and services for consumers and businesses throughout Alberta, and nationwide via our other offices.   Our team has been clients find the best mortgage rates and products for 14 years ... and the service is absolutely FREE.   I have been in the world of finance working for a bank for 17 years, and it is my passion.  Conveying that fun, and passion to others is often the biggest challenge.

You have heard all the time that for for most Canadians, their home is their largest single investment in their lifetime.  You would want to make sure that you are not dealing with a part timer, or someone who does not understand, or has the passion, or is going to be promoted, or leave for another role as how they or we manage the debt associated with this investment is a cornerstone to their overall financial plan.    I choose a wrong product for you, and my reputation as I have built it up over the years is gone.

Many ask if we can access the very best mortgage rates in the market and negotiate the terms that suit your particular situation, and I answer every time absolutely.  If you need help with debt consolidation,  are a first time home buyer, looking for financing for an investment purchase, or simply looking for a plan to pay off your mortgage and other debts sooner, we can put the mortgage blue print in place and get you on the path to where you want to be.  We are always doing what is in your best interest!

This means that with our experience its out mission to:

• Understand each of my client’s unique situation
• Challenging banks to get the best rates for that client and negotiate it as low as possible
• Business shrewdness for understanding financial information and helping investors take advantage of on their investments.
• Ensure solid relationships with lenders which means less red tape to jump though.
• Help families reach their goal of home ownership
• Source options that you would not find on your own, guide you through the paperwork and details and negotiate on your behalf

The more information you put in the application and share with me the better the chance of getting a fast and accurate response please fill out this secure form.  Which translates into the more money I can save you.   Of course this is of no cost to you, nor does it obligate you to use any of my free services.   However why would you not want to use a free service?

 Call or text 403-807-8779

What did I do today? Let me answer some of your burning questions. However, If you have more ask them!!!

My wife asked me, "What did I do today?"


She is often curious so I explained.   Today, I talked both a Realtor and a financial advisor about helping their clients get the best deal possible.  I tracked down some extra paperwork the bank had requested on my self-employed client.  Reviewed the mortgage rates and the product changes of three banks.  Then I had a meeting with a business development officer who wanted to tell me about why his products were better than his competition.  I have not even gone for lunch yet!

Since I get questions all the time I thought of a couple more that often come up.   I am thinking your next question might be: What do I do exactly as a Alberta mortgage brokers anyways, you ask?

We have to break it down somewhat to properly explain.   You see, normally there are two ways to get a mortgage--through one of the main big five banks or through a licensed mortgage broker.

I am sure you know about the banks.   You go in, you argued about rate for the afternoon.  They talk to the Branch manager because they have the rate discretion you are after.   The other side of the coin to be as simple as possible a mortgage broker is the middle man between the client and the bank/lender, whereby the mortgage broker submits the client's mortgage application to the most suitable lender.  This is usually the lender who offers the lowest rate.  Similar to that of how any broker works, a mortgage broker essentially matches sellers (lending institutions) with buyers (mortgage applicants), whose main objective is to get the best deal.  The best deal in terms of mortgages, again, that all comes down to the lowest mortgage interest rate, and privileges associated with that mortgage which some banks change their rates by the hour.

Mortgage Brokers are not employed by any of the banks or lenders; they are, rather, independent mortgage professionals who in Alberta are licensed and work for you.

How much do I as a mortgage brokers charge for my services?
NOTHING!  How does FREE sound?   With the small disclaimer being: unless I am brokering a commercial mortgage (i.e. a mortgage for a commercial/retail building), or if the lender of choice is a private lender, a person or private lending company who lends their capital at a premium because or badly bruised credit or a bankruptcy.  For a traditional borrower however with average to above average credit who are looking for a regular mortgage nothing at all.

How do I get paid as a Calgary mortgage broker?
I work solely on commission.  I get paid after the deal closes, and when I find you the perfect home.  I usually give my top three choices, and why they are the best for you and work out what you are most comfortable.

I hear claims all the time that Alberta mortgage brokers get lower rates than banks even if and when the client is a long-time customer of his/her bank?  How is that even possible!   

If Mortgage Brokers account for approximately $50 billion of mortgages in Canada each year, then this volume of mortgage business the mortgage brokers write are offered discounted rates from the banks/lenders.  Ever shopped at a wholesale store?   Buy in bulk and get a discount.  They don't pay me to sit in the branch like I used to.  They don't pay my salary, CPP, withholding taxes, or even have to worry about a Union.

What banks do you as a mortgage brokers deal with?

Being a Mortgage broker I have access to over 50 different lending institutions.  If you take into account all these different choices available for a mortgage applicant, would it not stand to reason that this puts them in a superior position to be confident and secure in the thought that they have the right type of mortgage based on their own unique personal situation.  Its like going to one car dealership and hoping that they have the perfect car for you.   I am sure they could sell you something on the lot, but does it fit seven, or can you plug it in to the wall to recharge?  Like cars, not all mortgages, or even mortgage brokers are created equal.

I have never recommended limiting yourself to just your bank because you feel loyal.  It’s not cheating if you want to have better service, better rates, and professional advice from a MortgageBroker like me!

52 words or less, the elevator speech. What do I do.

A friend of mine wanted me to sum up my job and role in a short paragraph.  Just one traditional elevator speech highlighting the features and benefits of being a mortgage broker.  I found this almost impossible without using a single picture, and using a metaphor.

I am licensed and bonded bounty hunter.  I get paid when I find what we are looking for, and you have it all locked up.  My prey?  The perfect mortgage rate, product, and privileges. They are out there sneaking around and it takes a keen tracker and insight into this culture to find them.   

Call/text as we can find you the deal you are looking for!  403-807-8779

Did you fall victim to the old bait and switch trick? How to avoid the initial pitfalls.

The reason for this article is that I do see it all the time in the Mortgage world on many sites advertising the lowest mortgage rates possible, or rates that are not available through any lenders that day.  I called a couple and much to my dismay the rates were not available as it was a limited time only, their website was not updated recently or that rate came off the market today.

This goes to show that the old bait and switch is not limited to the retail world where its most popular and a form of fraud. We do have laws around it, in Canada under the Competition act, in England under the CPFURR, and in the US they sue under the false advertising banner if they don't put limited supply, and don't offer rain checks.   

The questions you may be asking yourself right now is if a bait and switch did happen to you, what was the negative consequences of it, and did I loose any money?  Why is this relevant to my day to day life?

First to identify these scenarios you have to think of yourself as a little fish.  I do love metaphors but this is where the name does come from after all so please indulge me.  There are fisherman on the banks and they want to eat you for dinner, from a hot frying pan with some garlic, Italian spices, and some butter.  They are thinking one thing:  WHAT WILL MAKE YOU BITE.   Rather if you think you are a big fish in the big ocean, you may have seen Finding Nemo where Dory saw the big beautiful light to look at, and started to swim towards it.  Then only realized after that it was attached to a big mouth full of teeth looking for a snack. 

After you are captivated by the :

• Bright lights
• Free Beer
• low flight costs
• low hotel rates
• cheap carpet cleaner, Air Conditions, Security system
• lowest mortgage rate
• cheap  55' OLED with cinema 3D

 You might realize that:

• Bright lights  -  ITS ATTACHED TO A MOUTH that is going to EAT YOU!
• Free Beer - The Fine Print says free A/C and Beer from around the world. 
• low flight costs - There are taxes, fees, other add-ons.
• low hotel rates -  They add on the resort fees.
• cheap carpet cleaner, Air Conditions, Security system- They change the price when they get to your house.
• Lowest mortgage rate - You don't qualify  because its not closing in 30 days, or your credit is not perfect, so they cant use that lender.
• cheap  55' OLED with cinema 3D - you get there and they offer you the more expensive brand with that is not what you wanted.

Grabbing your attention is one thing, as that is what marketing and advertising is all about, but when you see something that is too good to be true, you have to ask yourself:  Is it? 


When I was a boy, we got a scratch card in the mail.  It said we could win a family vacation to Disney Land and all expenses were paid.   I scratched it, and ran around with my arms flailing while screaming, "I WON, I WON, DISNEY LAND, DISNEY LAND!!!! HERE I COME!!!!"  I could not have been happier as I wanted to go see the huge castle and have the time of my life.     When my Dad got home from work he looked at the card, saw my face, and tried to tell me we did not win, sorry.  Then he threw it in the garbage.   I almost cried and ran to the garbage to double check.  My father tried to stop me, but I was RELENTLESS! I got to that garbage after wearing him out.  He eventually conceded that we had won, he wanted to teach me a lesson about advertising.

He foretold me what was about to happen.  They would come to the house, sell us the vacuum cleaner after a high pressure sales pitch and for some reason we would not get the trip.    Two days later they were in the house, and showing us how great their vacuum was.  Dad was a smart and new from the beggining that he was not buying so every sales trick which had me excited about the vacuum he showed him up.  The sales person left and said, get in touch with our head office for the trip, and when we tried it was not possible.  Maybe I cried myself to sleep that night, I was 8 years old afterall.

When you spot something that is too good to be true, and you explore that option.  Just be ready to run, as it wont hurt at that point just to check and see what else is available.   If they used the bait and switch they might try to stick you with a product that is counter productive to your goals.  

In the case of a mortgage broker, make sure you trust and have open communication with them. If you have questions, call or text me, my team or myself are always around to help.