Completing the Online Mortgage Application is really the first step! This will help us know what you can qualify to borrow, and when we review it together, it will really help you understand what you can afford. We will help you choose the right mortgage and term that fits your needs. Not just what works for the bank!
We will also help you navigate the choices out there to get you the best mortgage and rate for you! Provide the needed documentation to complete the mortgage application process via our Secure Online Portal. We will carefully go through everything to make sure it is exactly what is required!
We will also help you navigate the choices out there to get you the best mortgage and rate for you! Provide the needed documentation to complete the mortgage application process via our Secure Online Portal. We will carefully go through everything to make sure it is exactly what is required!
Services
As a Mortgage Broker licensed by The Real Estate Council of Alberta, we are independent mortgage specialists and help hundreds of clients each year with their mortgage financing. We access funds from many banks, mortgage companies, trust companies and private lenders. We want to assist all Alberta residents in getting the best rates and the best mortgages in the country.
If you're like most first time home buyers, you've probably looked around at all the people you know who are buying houses and wondered, how the heck did they even get started? Saving for your first home, pinning down which step to take first, and navigating all the legal jargon may seem impossible, but Your Trusted Calgary Mortgage Broker is here to help!
Each year more and more Canadians become self-employed. Many are shop-owners, landscapers, or construction contractors. However, in Alberta, many are simply contractors to larger companies like large Oil or Telecommunications companies, similar to typical T4 employees. Except for how taxes are prepared it seems almost the same thing!
Switching from an adjustable-rate mortgage (ARM) to a fixed rate mortgage (or vice versa). Same amortization, lower payment! Reducing your interest rate saves you money and builds the equity in your home even quicker. For example a 5% rate on a 25-year amortization has a payment of $581.60 per $100,000.
The full length of your mortgage (amortization) is broken up into smaller time periods called terms. Near the end of your mortgage term your lender will send you a notice that it is time to renew your mortgage and sign on to a new term. You'll agree to the length of the term, your payment frequency, your interest rate, and any fees or charges that apply.
Reviews (21)
Zachary Cole
Dec 30, 2021
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Philippe Benoit
Dec 29, 2021
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Everyone at Mortgages for less is very helpful and very quick at answering questions and processing any paperwork. As a first time home buyer, they helped me understand the process and were very quick at helping and processing documents compared to any banks I talked to. Also got me better interest rates than the banks. I would definitely recommend them to anyone.
Rachel Carrey
Dec 27, 2021
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Sergio Ganoza
Dec 27, 2021
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Faaiza Maqbool
Dec 25, 2021
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Paras
Dec 20, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
I feel very lucky that Tamar was our mortgage advisor and she guided us through each and every step. She helped us getting the best possible rate in the market and answering all our silly questions since it was our first time and we knew nothing. It was very helpful having an expert on our side. Thank you Tamar :)
I feel very lucky that Tamar was our mortgage advisor and she guided us through each and every step. She helped us getting the best possible rate in the market and answering all our silly questions since it was our first time and we knew nothing. It was very helpful having an expert on our side. Thank you Tamar :)
Dale Weisbrot
Dec 18, 2021
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T. Stephenson
Nov 15, 2021
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Saliu Friday Ogemuje
Oct 04, 2021
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Its not only the huge profit you helped me earn in one week for that I am grateful for Mrs. Sherry, my most joy is that I have finally found the expert trader to trust with my money and invest with, I really appreciate your honesty and hard work, I found you almost at the point of giving up on trading because of scammers, but you proved you are… different, and I am most grateful, I invest $500 and got $7,000 in just one week, I can boldly tell you Mrs. Sherry is the right expert to work with, contact Mrs. Sherry Murphy directly on these Murphysherry303@gmail.com WhatsApp: +13618573869
Shandi Saito
Jul 17, 2021
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Cape Breton
Jun 29, 2021
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I want to give a big shout out to my broker Dave and his team at Morgage for less for all the help in getting me in my first beautiful dream home ! I had issues with my credit because of a prior bankruptcy, and was told be numerous other banks and brokers that I would not get approved, With Daves knowledge and hard work he was able to find me a lender that would accept my credit and even had A very low interest rate, he was always available to talk to me whatever I had a question, even late at night while most brokers and banks only work limited hours, I highly recommend to go see Dave to get you
Diana Mora
Mar 12, 2021
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Positive: Professionalism, Quality, Responsiveness
Josh, Tamar and Daniel were really great. We were buying our first home and from the beginning to the end of getting our mortgage, they gave us accurate and clear information, made all the process easier and answered all our questions. I definitely recommend Mortgages for Less. Thanks Josh and team!
Josh, Tamar and Daniel were really great. We were buying our first home and from the beginning to the end of getting our mortgage, they gave us accurate and clear information, made all the process easier and answered all our questions. I definitely recommend Mortgages for Less. Thanks Josh and team!
Leah Laidlow
Jun 30, 2020
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One of the things I loved most about working with Josh is that he taught us about the pros and cons of getting a mortgage through a bank vs a broker and when it makes sense to do either one. Mortgages are stressful, but Josh took away so much of the stress, plus he taught us so much about that we didn't know as first time home buyers. We never had any doubts that he had our best interests at heart. I highly recommend Mortgages For Less.
Yves Perreault
Mar 16, 2019
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APPLY NOW FOR QUICK URGENT LOAN! !!
If you must contact any company with reference to obtain an online loan with a low interest rate of 3% and better payment plans / plans, please contact Mrs Brenda for your loan today with no upfront fee requested. I want to use this medium to express my gratitude to Mrs Brenda private online loan service for… fulfilling his promise by granting me a loan, I was stuck in a financial situation and needed to refinance and pay my bills, as well as start a business. I tried to seek loans from several loan companies from both private and corporate organizations
If you must contact any company with reference to obtain an online loan with a low interest rate of 3% and better payment plans / plans, please contact Mrs Brenda for your loan today with no upfront fee requested. I want to use this medium to express my gratitude to Mrs Brenda private online loan service for… fulfilling his promise by granting me a loan, I was stuck in a financial situation and needed to refinance and pay my bills, as well as start a business. I tried to seek loans from several loan companies from both private and corporate organizations
Sue Tyerman
Oct 29, 2018
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Robyn Playfair McClung
Aug 27, 2018
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Brett Joseph
Oct 30, 2017
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Sammy Lea
Oct 25, 2017
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By far the BEST experience I've ever had with any broker. Josh was amazing! Even with all the obstacles we faced with financing, he made this mortgage happen. My family is now living in our dream home and we couldn't be happier! We owe our new lifestyle to Josh. Much gratitude! I will be recommending Josh at Mortgages for Less to everyone I know!! Thank you so much!
Bryon H.
Sep 28, 2017
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I met Josh Tagg at an open house many years ago, and since that time he has been my go to guy when I want straight up no BS info on mortgage info. He honest & straight to the point. Recently he was able to get me financing on a revenue property in Victoria, BC - when other lenders were just too discouraging to even start the paperwork.
Most recently Josh started running ... so that's a big bonus ... I got myself another running buddy!
Most recently Josh started running ... so that's a big bonus ... I got myself another running buddy!
Jordan Smith
Jul 05, 2017
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Carrie P.
Apr 19, 2009
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Maureen Dobranski at Centum Mortgages is "the" ultimate mortgage diva. I came to her in an absolute pinch. Like many people in 2007, I bought a house, and couldn't sell the old one. As a result, my financing fell through since my down payment was in the walls of my house that didn't sell. Further, I am self employed. I literally called Maureen in tears.
Not only did she get me financing, I got it at a competitive rate! My home was financed at 5.5% (which was a good rate in 2007). I owe her huge!
Not only did she get me financing, I got it at a competitive rate! My home was financed at 5.5% (which was a good rate in 2007). I owe her huge!
