Free Consultation · Alberta
Book a mortgage discovery call
Pick a time below and talk to Josh Tagg, a licensed Alberta mortgage broker. It’s a straightforward conversation about what you’re trying to do — buy, renew, refinance or pull out equity — and what’s actually possible with your numbers.
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Discovery Call
Choose a time that works for you
- 25 minutes
- Free, no obligation
- Zoom or phone
- No credit check
Calendar not loading? Open the booking page in a new tab, or just call (403) 241-3255.
★ 5.0 · 293+ Google reviews
What Alberta homeowners say
Really good experience with the Mortages for Less Team. Tamar was very attentive to our needs.
Tamar was great to deal with. Efficiently got me everything I needed... And more. Thanks Tamar
Josh provided me with good advice and did not waste my time.
Easy to approach.understanding and very professional.
Didn’t end up getting a mortgage through him but Josh was incredibly helpful and provided objective advice.
Tamar is truly amazing and so patient. She helped us through the entire process (which was quite confusing to be honest). Highly recommend.
I recently used their service, Tamar was my broker and she did a great job. She solved all our doubts and gave us the best service.
Tamar was super helpful throughout the process of helping us renew our mortgage. We changed mortgage providers, but Tamar made the process smooth.
What happens on the call?
No script and no sales pitch. Twenty-five minutes is enough to get you a clear answer on where you stand and what to do next:
- You tell us what you’re trying to do. Buying your first home, renewing, refinancing, consolidating debt, or just trying to work out whether the timing is right.
- We look at your numbers together. Income, down payment or equity, and any debts. Rough figures are fine — you don’t need documents ready for this call.
- You get a straight answer on what’s possible. A realistic price range or payment, which lenders are likely to fit, and anything that needs fixing before you apply.
- You decide what’s next. Start an application, go away and think about it, or come back when you’re closer. There’s no obligation either way.
What should I have ready?
Nothing is required — you can book and show up with only a rough idea of your situation. If you happen to have the following handy, we can get more specific on the call.
| Useful to know | Why it helps |
|---|---|
| Roughly what you earn | Sets the ballpark for what you can borrow |
| Your down payment, or your home’s approximate value | Determines whether default insurance applies, and how much equity you can access |
| Monthly debt payments | Car loans, lines of credit and cards affect your debt-service ratios |
| Your current mortgage details, if you have one | Balance, rate, lender and maturity date — the starting point for any renewal or refinance |
Who is this call for?
We’re a Calgary-based brokerage helping homebuyers and homeowners across Alberta, including Edmonton and the surrounding communities. A discovery call is a good fit if you’re:
- A first-time buyer who wants to know what you can actually afford before you start looking.
- Coming up for renewal and want to know whether your lender’s offer is competitive before you sign it.
- Thinking about refinancing to consolidate debt, fund a renovation or free up equity.
- Self-employed, newly employed, or rebuilding credit and have been told no somewhere else.
- Just early and curious — plenty of people book a year or more before they buy, and that’s exactly the right time to start.
Would you rather just apply?
If you already know what you need and would sooner get moving than book a call, the online application takes about two minutes and there’s no credit check to start. A licensed broker reviews it and follows up, usually the same or next business day.
How long is the discovery call?
25 minutes. That’s enough time to understand your situation and give you a clear answer. If we need longer, we’ll book a follow-up.
Does the call cost anything?
No. The discovery call is free and there’s no obligation. For most residential mortgages our broker services are paid by the lender you choose — not by you.
Will you check my credit on this call?
No. We don’t pull your credit to have this conversation. A credit check only happens later, with your consent, once you’ve decided to move forward.
Is the call by phone or video?
Whichever you prefer — you choose Zoom or phone when you book, and we’ll send the details in your confirmation email.
What time zone are the times shown in?
Your own. The calendar reads the time zone your device is set to and converts the available times for you, so what you see is already local to you. There’s a time zone dropdown inside the calendar if you’d rather set it yourself. We’re in Calgary on Mountain Time, so if you’re booking from elsewhere the slots have already been shifted to match you.
Do I need documents ready?
No. Rough numbers are fine for a discovery call. Documents like pay stubs, Notices of Assessment and down-payment statements come later, once we’re preparing an actual application.
What if none of the available times work?
Call us at (403) 241-3255 or email josh@mortgagesforless.ca and we’ll find a time that suits you, including evenings and weekends where we can.
Which areas do you serve?
We’re based in Calgary and work with homebuyers and homeowners across Alberta, including Edmonton and surrounding communities.
Ready when you are
Pick a time above, start your application online, or just pick up the phone — whichever suits you.