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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 1.69 3.89 $15,870.31
5 years 1.79 4.99 $37,889.64
7 years 2.54 5.80 $53,573.87
 
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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Mortgage Calculator

A mortgage calculator is a quick and easy way to calculate your mortgage payments.
Learn exactly how much you can afford to spend before you buy.

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Mortgage Application

Mortgage Application

Why wait? Apply online today with our free mortgage application.
See how safe & simple applying online is by using the Alberta Equity secure mortgage form.

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News & Events

Canadian Mortgage News

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This Week's Topic And Mortgage News and Events

 
Obtaining a mortgage is one of the most important decisions you may ever make, and with so many choices and ongoing decisions; the right advice can have a huge financial impact.

Alberta Equity's Specialties Include:

  • Pre-Approvals / Qualifications
  • Interest Rate Guarantees
  • Home Purchases including Private Sales
  • Conventional or High Ratio Mortgages
  • Variable Rate Mortgages
  • First Time Homebuyers
  • Mortgages for Self-Employed Applicants
  • New Home Construction
  • Mortgage Renewals and Transfers
  • Refinances
    • Debt Consolidations
    • Increase or Top Up Investments
    • Home Renovation
  • Rental Properties
  • Second Mortgages
  • Commercial Mortgages
  • Interim / Bridge Financing on Confirmed Sell / Purchases
  • Free Mortgage Consultations / Mortgage Planning

Alberta Equity Mortgage Consultants

Mortgage Consultants

Our qualified and professional mortgage consultants offer personalized service to all of our clients. They are extremely knowledgeable and will offer:




  • The most competitive rates while dealing with all the major lending institutions
  • The maximum amount of flexibility in financing choices
  • The widest choice of mortgage options including variable rate mortgages, fixed rate mortgages, capped variable rates, rental properties, mortgages for the self-employed, etc.

The advice and counseling needed to sort out credit and assess mortgage qualifications.

Wipe Out High Interest before it Wipes You Out

Refinance and Get Better Interest Rates

Refinancing your current mortgage not only gives you a better rate, it allows you consolidate all your high interest loans into one easy payment.

It's one of the best ways to improve your credit score and get you saving money at the same time. Learn More

FACT: Making the minimum monthly payment of 2% ($200 to start) on $10,000 of credit at 18% interest will cost you about $38,930 and take 57 years to pay off! YES – its your credit card

Things to Consider When Building a Brand New Home

If you decide to build a brand new home instead of purchasing a re-sale, it is extremely important to carefully assess the following pros and cons before purchasing:

Pros
  • You are the first occupant meaning no one else has lived in the home
  • You get to decorate as you wish by selecting your colors, design features, and other various upgrades
  • You are protected from construction deficiencies by Provincial Law
Cons
  • The area is not established and is often still under construction causing excess traffic, noise, dust, etc.
  • Landscaping, driveway paving, and other finishing touches might take extended periods of time to have completed due to other construction in the area
  • The timely completion and occupancy of your new home can be delayed for any number of builder related reasons
  • There are some closing costs that apply to new homes

Taking the Stress out of Home Hunting

House Hunting Without Stress

Purchasing a new home can be a major decision for many and it can also be extremely stressful. Don't let stress ruin this exciting time.

By pre-qualifying and taking all of your mortgage needs into consideration prior to house hunting, you can then focus on the small details when you are ready to start looking.

The perfect home within your price range is waiting for you, but if you need more help taking the guess work out of mortgage shopping and home buying, our brokers at Alberta Equity Mortgages will work for you.