First-Time Buyer Mortgages
Clear guidance from pre-approval to closing, including down payment strategy, insured mortgage options, and affordability planning for Alberta buyers, with secondary British Columbia support.
Alberta-first mortgage brokerage guidance with secondary BC support
Elegant mortgage advice for decisive Alberta home financing.
True North Mortgage Group helps Alberta clients compare lender options, prepare stronger applications, and move from questions to confident mortgage decisions, with secondary support for British Columbia needs.
15+
Years of advisory experience
Alberta
Primary market focus plus BC support
5-Star
Service-minded process
Pre-Approval Snapshot
Move before the market does.
Estimated purchase$850,000
Down payment$170,000
Mortgage amount$680,000
Estimated monthly$3,932
Mortgage products
Financing solutions shaped around your next move.
Whether you are buying, renewing, refinancing, or expanding a portfolio, True North Mortgage Group brings clarity to a process that can otherwise feel complex.
Refinancing
Restructure your mortgage to consolidate debt, access equity, improve cash flow, or align your financing with a new stage of life.
Mortgage Renewals
Do not simply sign your renewal letter. We compare lender options and negotiate terms designed to protect your long-term financial position.
Home Equity Solutions
Use the equity in your property with confidence for renovations, investment planning, education, or major life transitions.
Commercial Mortgages
Thoughtful financing support for mixed-use, multi-unit, and commercial property needs across Alberta, with selected British Columbia scenarios supported as a secondary market.
Mortgage calculator
Estimate your monthly payment instantly.
Adjust purchase price, down payment, amortization, and interest rate to model a preliminary payment. This calculator is an estimate and does not include taxes, insurance, condo fees, or lender-specific qualification rules.
Estimated monthly payment
$3,932
Based on a mortgage amount of $680,000.
Download your results
Enter your name and email to unlock a PDF summary of this estimate.
Alberta purchase planning
Alberta lender comparison
Renewal negotiation
BC secondary support
About us
True North Mortgage Group brings calm, disciplined advice to Alberta financing.
True North Mortgage Group serves Alberta clients with a consultative approach that prioritizes clarity, preparation, and lender fit. British Columbia support is available as a secondary service for clients whose plans cross provincial markets. Our work is grounded in market knowledge, responsive communication, and a commitment to helping clients understand the tradeoffs behind every mortgage decision.
From first-time buyers navigating Calgary, Edmonton, and broader Alberta property markets to established homeowners reviewing a renewal or refinance, our team focuses on practical strategy and professional execution.
Our brokers
Specialized guidance for every mortgage scenario.
Each profile reflects a key area of expertise so visitors can quickly understand how True North Mortgage Group supports different client needs.
AH
Amelia Hart
First-Time Buyers & Pre-Approvals
MC
Marcus Chen
Refinancing & Debt Consolidation
PS
Priya Sutherland
Renewals & Rate Strategy
DM
Daniel Moretti
Commercial & Investment Properties
Client reviews
Professional advice that earns trust.
“True North Mortgage Group made our first purchase in Calgary feel organized and manageable. The pre-approval process was clear, fast, and reassuring.”
Sofia R.
First-time buyer, Calgary
“Our renewal offer was not competitive. The team found a stronger option and explained every detail before we made a decision.”
Michael T.
Mortgage renewal, Edmonton
“We refinanced to renovate and consolidate debt. The advice was practical, transparent, and tailored to our long-term goals.”
Nadia and Chris L.
Refinancing clients, Alberta
Start the conversation
Get a Free Quote from True North Mortgage Group.
Tell us where you are in the mortgage process. The owner will be notified when you submit this form, and the team can follow up with next steps.
FAQ
Mortgage questions, answered clearly.
What mortgage rate can I qualify for right now?+
Mortgage rates vary by lender, mortgage type, down payment, credit profile, property type, and term. True North Mortgage Group reviews your full application and compares suitable options so you can understand what is realistic before making a commitment.
How do I get pre-approved for a mortgage in Alberta?+
A pre-approval typically involves reviewing your income, employment, credit, debts, down payment, and purchase goals. We help you assemble the right documents, estimate affordability, and position your application with lenders that fit your profile.
When should I start the renewal process?+
Most homeowners should begin reviewing renewal options several months before maturity. Starting early gives your broker time to compare lenders, evaluate penalties or transfer options, and negotiate instead of accepting a default renewal offer.
Can I refinance to access home equity?+
Yes, many Alberta homeowners refinance to access equity for renovations, investments, education, or debt consolidation. The right approach depends on your property value, mortgage balance, income, credit, and long-term plan, with secondary British Columbia guidance available when needed.