Mortgages
A mortgage for every chapter of life.
Buying your first home, moving up, renewing or refinancing: I compare options from several lenders and explain them in plain words.
Every stage
Find the help that fits
Whatever stage you're at, you'll get options from several lenders and a clear recommendation.
First-time buyers
Know your budget before you shop, and use every program you're entitled to.
- As little as 5% down
- FHSA and RRSP Home Buyers' Plan
- 30-year option for first-time buyers
Buying your next home
Moving up or downsizing, with the timing of selling and buying worked out.
- Porting your current mortgage
- Bridge financing between closings
- Penalty checks before you sell
Renewals
Don't sign the renewal letter on autopilot. Compare it first, at no cost.
- Start about 4 months early
- Switch lenders at renewal
- Often no new stress test to switch
Refinancing
Use your home's equity to pay off higher-interest debt, renovate or invest.
- Debt consolidation
- Renovation funds
- Up to 80% of your home's value
Self-employed
Business owners, contractors and commission earners, presented the way lenders need.
- Income after write-offs explained
- Programs for newer businesses
- A clear document checklist
New to Canada
Newcomer programs for buyers with a short Canadian credit history.
- Permanent residents and work permits
- As little as 5% down for many
- Help with money from abroad
Why a mortgage associate?
Your bank has one shelf. I can show you several.
For most home mortgages, the lender pays the brokerage when your mortgage closes, so my help usually costs you nothing. If a fee would ever apply, you'll see it in writing before you agree.
How I'm paidGoing to your bank
- One lender's products
- You shop around yourself
- Office hours
Working with Abhi
- Options from several lenders
- I do the shopping and explain it
- Calls 10 AM to 10 PM
Questions
Common questions
Does it cost anything to work with you?
For most home mortgages, the lender pays the brokerage when your mortgage closes, so my help usually costs you nothing. If a fee would ever apply, you'll see it in writing before you agree.
What's the difference between you and my bank?
Your bank can only offer its own mortgages. As a mortgage associate with Pegasus Mortgage, I can compare options from several lenders and explain the trade-offs.
Do you only help people in Calgary?
No. I'm based in Calgary and help clients across Alberta, from Edmonton and Red Deer to Lethbridge and Grande Prairie, by phone, video or in person.
What is the mortgage stress test?
To qualify, you must show you could afford payments at the higher of your mortgage rate plus 2%, or 5.25%. It's there to protect you if rates rise.
Will talking to you hurt my credit score?
No. The first call has no credit check. A credit check only happens at pre-approval, and only with your written permission.
When can we talk?
Calls run from 10 AM to 10 PM Alberta time, including evenings and weekends. You can also text, WhatsApp or email any time.
Keep exploring
Where to next?
Not sure which one fits?
A free, no-pressure first call. No credit check, no paperwork.