Your Top Certified Mortgage Brokers in Calgary!

…a GTA based brokerage with a decade of experience under its belt.

Get the Best Mortgage Rates from Certified Mortgage Brokers of Calgary!

At Certified Mortgage Broker in Calgary, we are dedicated to finding the best mortgage solutions based on your particular financial needs. With over a decade of experience under our belt, we are not only sure to provide a headache free experience, but also the best services, rates and terms. Whether it is a residential, commercial or private mortgage you seek, we are at your service.

 

Who We Are –  Certified Mortgage Brokers Calgary

Our prime objective is to deliver unbiased mortgage advice and provide options to securing financing for your next purchase. We work with dozens of lenders all across the country, including banks, B lenders and private lenders.

What You Will Get From Working With Us

We at CMB want to ensure that our clients are able to navigate the often-complex process of getting a mortgage so they can buy the property that they need. Making a mistake can not only be costly but also result in a lot of wasted time and effort. When you deal with us, we will work to get you the best deal for your mortgage so that you’ll soon be holding the deed to your new property.

 

What We Stand For

As an experienced Mortgage Broker we work both in Calgary and across the country, with a priority in mind to ensure that our recommendations are unbiased and based solely upon the best interests of our clients. We pride ourselves on our independence and integrity, and in always putting the needs of our clients first.

FREE LEGAL FEE PROGRAM!

We will cover your legal fees when you do a mortgage with us. At Certified Mortgage Brokers, we are committed to make your life a little easier.

Featured Rates

FIXED

LenderRateTerm
Mortgage Lendwise RateLendwise

2.99%

5-Year
Mortgage First National Bank RateFirst National Financial

3.44%

4-Year
Mortgage RMG RateRMG Mortgages

3.29%

3-Year
Mortgage Street Capital RateStreet Capital Bank

3.19%

2-Year
Mortgage TD Bank RateTD Bank

2.89%

1-Year

VARIABLE

TermRate
5-Year Variable

2.39%

3-Year Variable

2.80%

OTHER

TypeRate
Line of CreditStarting at

3.00%

Equity LoansStarting at

5.99%

Private MortgagesStarting at

5.99%

Understanding Mortgage Basics

Mortgage Basics

If you are interested in learning more about mortgages, we invite you to take a look at the short primer we have prepared, so that you’ll have a better idea of what to expect.

Mortgage Definition

A mortgage is a loan taken out in order to purchase real estate, with the property being used to secure the debt. It is paid off in a series of monthly payments, and the term of the mortgage can be anywhere from fifteen to thirty years.

Down Payment

When you take out a mortgage, you are required to pay a small percentage of it to secure the loan. This is called the down payment, and in Canada the minimum amount is 5% of the total debt as long as it does not exceed $500,000. The portion of the mortgage above $500,000 is charged an additional ten percent.

What You Need To Know

Pre-approval

This is the process of getting assessed by a lending agency to see how much you can borrow and at what interest rate. Pre-approval will help you get your mortgage more quickly by helping you determine how much you can afford and locking in a rate.

Interest Rates

There are two types of rate options – fixed and variable. Fixed interest rates mean that the rate will remain consistent throughout the term of the mortgage, while variable rates are subject to change depending on prevailing market rates.

Mortgage Term vs. Amortization Term

The amortization term is the period over which you will pay off the mortgage. The mortgage term, on the other hand, is just the term of the loan, at the end of which you may not have paid off the mortgage in full and can renegotiate for more favorable terms with the lender or look for better terms with another lender.

Calgary Mortgage Frequently Asked Questions

mortgage questions What is a Mortgage Term?

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.

 

You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

mortgage questions What is a Down Payment?

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

CONTACT US

Give us a call or email us to schedule your appointment