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Competition = Low Mortgage Rates

Many Albertans apply for a mortgage with just one lender, often their bank, without shopping around without realizing that competition always results in the best deal.

We will survey the market and search dozens of mortgage lenders to find the best rates in Canada. This FREE unbiased service ensures that you will receive low mortgage rates and huge savings over the term of your mortgage:

Term
Our Rate
Bank Rate
Savings
 
3 years 2.49 3.75 $9,106.75
5 years 2.84 4.94 $25,001.88
7 years 3.99 5.75 $29,211.05
 
Above calculation based on a $250,000.00 mortgage loan over a 25-year amortization period using a monthly payment schedule (mortgage loan for an average Calgary inner-city two-story home).
* Mortgages and rates subject to change without notice.

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This Week's Topic And Mortgage News and Events

 
If high interest rate credit cards and loan debt are keeping you from getting ahead, as a home owner you can refinance your existing mortgage and use the equity in your home to pay off that debt. With the low mortgage rates and rising property values it is a great time to consolidate your debt and even decrease your monthly payments.

Have a Web Site? Need to Display Rates?

Canadian Mortgage Rates - Click here to chose a new template!

Are you a realtor, broker or financial planner with a website?

Do you need up-to-date Canadian mortgage rates displayed on your web page?

You can choose from over 200 free mortgage rate boxes to suit your web site. We also have many tailor-made rate boxes for existing real-estate companies and related websites.


Closing Costs Associated with Purchasing a New Home

Be prepared to pay some closing costs when purchasing a new home. These costs are not part of the property purchase, but additional items that you should consider. However, it is important to remember that these items may not be applicable in all cases, so check with your lawyer for a complete list of all closing costs specific to your situation. Possible closings costs can include:

  • Legal fees
  • Property Transfer Tax
  • Interest Adjustment
  • Property Tax Adjustment
  • Property Appraisal
  • Property Inspection
  • Survey Certificate
  • Insurance Binder

Note: Some of these costs may be included in your legal fees as your lawyer will arrange for the service to be completed.

What is a Mortgage Broker?

Mortgage Broker Question

Simply stated, a mortgage broker is an agent for lenders in much the same way an insurance broker is an agent for insurance companies.

Mortgage brokers act as agents for banks, trust companies, credit unions, mortgage corporations, investment corporations, finance companies and individual private investors.

Mortgage brokers are trained professionals that have to meet a satisfactory educational requirement before they may become registered. As such, this requirement ensures you are being provided with a duty of care, a working knowledge of mortgage products and a standard of service to meet individual needs.