Beat the Banks Every Time :: Discounted Rates + Concierge Mortgage Service
Mortgages for Less: Calgary’s Top Ranked Mortgage Source.
Mortgages For Less offers preferred mortgages and rates from these lenders and more!
Call or apply online today and find out how a Mortgages For Less mortgage specialist can help finance the home of your dreams far sooner than you ever dreamed possible.
The Mortgages For Less team started 15 years ago and has become very specialized in residential mortgage loans in Calgary and helping first time home owners and hard to finance mortgages get financing. With Mortgages For Less you will get a knowledgeable and innovative Calgary mortgage broker who knows and understands the lending programs available, and also the local Calgary market. Josh Tagg and his team of experienced mortgage brokers are well versed in mortgages in Calgary and are here to help you. Many bankers and even many mortgage brokers do not fully understand many of the hidden costs associated with your mortgage. From title insurance, appraisal fees, and especially how early payout penalties that vary quite dramatically from lender to lender. We can help you navigate those complexities to get the best mortgage, at the best rate, that suits your financial needs.
Don’t have enough income or credit to qualify for a mortgage? If the bank said no, let us figure out how to get a lender to say yes.
One credit check allows us to approach multiple lenders instead of getting your credit checked by each bank you apply with and hurting your credit rating. In addition to the normal mortgages offered by most banks, we can look into some more creative mortgage solutions for your home.
Apply Online today. Applying creates no obligation to work with us. We will not ask for your SIN number online and the application can be partially filled out and still submitted.
Join the ranks of our many satisfied clients. This is what they are saying.
What perks come with using a Calgary Mortgage Broker like Josh?
Living and working in Calgary for several decades has given me a very familiar knowledge and understanding of our Real Estate Market. I have seen Calgary grow from a smaller city to the thriving large city we have today. Even with the downturn in oil, our city continues to be a great place to work, live and raise a family. I am a true Calgarian and have spent most of my life here as part of the community.
I understand the stresses of working in the oil industry directly – or being in n industry that is directly impacted by the oil industry.
I am familiar with the neighbouring towns too. Whether it be visiting family living in Cochrane or Okotoks, or good friends in Airdrie and Strathmore – I know the communities well. I can be your mortgage broker in Cochrane, Okotoks, Airdrie, Chestermere and even Okotoks.
I can do mortgages in every province in Canada and often help my clients from Calgary buy homes in BC, Fort McMurray or elsewhere. Or customers living outside of Calgary but looking to buy a home in Calgary.
Are there 0% Down Mortgages?
Unfortunately, zero down mortgages have been officially discontinued, although there continue to be other products that may suit your needs. For mortgages in Calgary, you can use an unsecured line of credit for your down payment – but some restrictions apply. Ask me for details!
First Time Home Buyer?
As a first time home buyer in Calgary, you can access your RRSP for down payment without being taxed! Ask your RRSP investor for details. Contributing funds to your RRSP generates a nice tax refund, and then you can further use that same money for your first time home buyer down payment toward your Calgary Mortgage. You may even be eligible to use this program if you have owned a home before as long as you have not lived in a home owned by you in the last four years.
I have a house and want to buy another one while renting the first one. What are my options?
If you are turning your existing home into a rental you can do that and purchase your new residence as owner-occupied with as little as 5% down payment. Different lenders will consider the prospective rental income in different ways which is why you should be sure to speak to a qualified Local Calgary Mortgage Broker to outline the best mortgage options available to you.
How to buy a rental property.
To buy a rental property, you will need to pay a 20% down payment. The qualifying criteria at each bank is a little different. I have had some clients come to me after RBC declined and they got approved easily. I have worked with Scotiabank declines and got them approved elsewhere too. Having access to different lenders opens more options to you for a mortgage in Calgary.
Why should I use a Calgary Mortgage Broker?
Mortgage Brokers are independent of the banks and use multiple lenders to get you the best rate for your mortgage. I pride myself in informing clients about all the products that might benefit them and making sure they understand the restrictions and benefits of each lender. Getting a mortgage is one of the biggest investments you will make and my job is to get you the best mortgage to fit your needs.
Canada’s mortgage market has grown and is in a constant state of change. Whether it be government changes, mortgage insurance changes, or lender product offerings, I am always on top of the changes and how they will impact you and your application.
As a mortgage broker in Calgary, I understand how these products apply in our market. Each client and each mortgage application is unique and I will find you the right product every time.
I am available to work around your schedule. I work many evenings and even weekends. No waiting for appointments to get your pre-approval. Let me get you approved today – clients are my top priority – I work for you, not the bank. The best part of my work is the smile on your face when you get into your new home in Calgary. I look forward to speaking with you soon!
Give us a call, or apply online. No obligation.
Just simple, straight forward advice.
We work with the best local professinals. For the best experience we recommend working with the best.
The Howard Team are experts in Calgary Real Estate.
The Howard Team are experts in Calgary Real Estate.
Calgary Residential Appraisals
Not all appraisals are created equal. This Calgary Appraiser is the best.