The questions from the first meeting, answered in writing.
Every guide is written by one of us, dated, and checked against the official sources on the date shown. No rate predictions, no filler.
Closing costs in Alberta: no land transfer tax, but not zero
What you actually pay to close in Alberta: land title fees instead of a transfer tax, legal fees, title insurance, appraisal and adjustments.
Read the guideWill a mortgage application hurt my credit?
How mortgage credit checks work in Canada, why one broker pull covers multiple lenders, and what actually hurts your score while house hunting.
Read the guideWhat you need to get pre-approved for a mortgage in Alberta
The documents and facts a lender needs to pre-approve you in Alberta, in the order they ask for them, and what a pre-approval does and does not promise.
Read the guideSelf-employed: how lenders read your income
How lenders read self-employed income: two-year averaging, the lower-year rule, add-backs, stated-income programs and alternative lenders.
Read the guideWork permit or new PR: what lenders accept
Mortgages for newcomers on a work permit or new PR: which lenders accept your status, foreign income and thin credit history.
Read the guideReading is a good start. A conversation is faster.
Choose who you would like to talk to, then how. A first conversation costs nothing and commits you to nothing.
Cristina
Newcomers on work permits or PR, first-time buyers, renewals and refinances.
English · Español
Juan
First-time buyers, self-employed income, and files a bank has already declined.
English · Español
Sheryl
First-time buyers, self-employed professionals, refinancing and home equity.
English