Qualifying Rate
As we continue to see new rules introduced, let’s look at how the qualifying rate comes into play with your mortgage qualifying numbers.
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Canadian
Mortgage Professionals
We became Calgary’s top mortgage broker by providing industry leading mortgage advice combined with unprecedented customer service. Through unmatched experience, expertise, and customer service, Canadian Mortgage Professionals Inc. have been turning the dream of homeownership into a tangible reality for hundreds of Canadians, since 1989.
Calgary’s Top
Mortgage Broker
When making the life-changing decision to purchase a home, the last thing you want is to be overwhelmed with paperwork and unanswered questions. By using our services, you can turn this stressful process into an enjoyable, informative experience that could save you thousands of dollars over the life of your mortgage.
Canadian Mortgage Professionals Inc. looks for the best mortgage rate to serve your individual financial needs. We don’t work for the banks, we work for you! Are you looking for flexibility like pre-approvals and pre-payment privileges? Check out our “Best Mortgage” option! Or our “Best Rate” option if affordability on a schedule is more your style.
THE BEST
Mortgage Rates
FIXED RATE
1.84%
1.84%
VARIABLE RATE
1.20%
1.20%
CHECK OUT THE LATEST FROM OUR NEWS SECTION
We write on topics that prospective, existing, and repeat home owners need to know.
Mortgage Renewal Process
As your mortgage renewal date approaches it is good to know what your options are and what the process looks like.
Canadian Mortgage Professionals Giving Back To Our Community
Canadian Mortgage Professionals giving back to the Calgary Community by supporting local charities.
Mortgage Matchmakers
With relationships on our mind, we’re turning our attention to one of the most important relationships for a potential/current homeowner: The mortgage relationship!
Home Buyers Amount Tax Credit – Tax Tip To Reduce The Amount Of Tax You Owe
The Home Buyers Amount Tax Credit can reduce the amount of income tax you owe, if home ownership became a reality for you last year.
What a difference a year makes
A brief look at the difference a year can make with regards to mortgage interest rates, economic instability and a pandemic.
Statement Of Adjustments
You might hear the term “statement of adjustments” and wonder what that means. Let’s have a look at what it really means to you.
Spousal Buyout Mortgage
Is your relationship heading down another path? Looking to buyout a partner? A spousal buyout mortgage may be the financial option for you.
Define Lien
What is a lien? In this post we define it and talk about what it might mean to a home buyer.
Derek Pryzner
16:37 18 Jun 21
Bob and his team are exceptional. We've worked directly with Bob and... Jackie, and both are very personable and take the time to explain everything. We never once felt like we had overstayed or were asking too many questions. Since our first mortgage, we've had them look after 2 subsequent renewals, and every time they are willing to go through the paperwork step by step with us, to ensure we understand what we are signing and we are comfortable with it. We've always been happy with the results.read more
Miss Ti
23:39 17 Jun 21
This is the team you need for all your mortgage needs. With Bob and... Jackie, it was all about me and my needs. Bob is friendly yet professional and takes his time to explain everything!!! Jackie is very pleasant and I got the most exceptional service from them. I felt like I'd know them forever when I met them and I completely felt comfortable with them. Go here, you won't regret it!!! They definitely will have your best interest at heart.read more
Brett Steele
16:54 14 Jun 21
Bob & Ken have been amazing. They truly take the time & get to know their... clients. They also locked in an awesome rate for our new townhouse. I trusted their advice, and they removed the stress from the process. Thanks to everyone on the team!read more
Namlha Yuthok
03:39 12 Jun 21
Thanks so much Ken for helping me secure a mortgage! You made the entire... process so effortless and pleasant. I really appreciated your quick response to all my queries, even on weekends. What really struck me apart from your knowledge and professionalism is that you genuinely care about your clients - no wonder you came highly recommended by my realtor.read more
Jessica Yachyshen
20:18 01 Jun 21
I highly recommend Canadian Mortgage Professionals, and will definitely be... contacting them again for my future mortgage needs. Ken and Bob were amazing to work with. They were efficient, communicated everything in a very timely manner, responded to all of our questions. We felt confident in their capability and knew that they worked hard to find us the best mortgage and rates. We highly recommend them and are clients for life!read more
Diana R
02:33 09 May 21
As first-time home buyers, Ken from Canadian Mortgage Professionals has... made it an enjoyable experience for us. Ken was very informative, patient and professional. We appreciate the quick turnaround and availability to connect. Would highly recommend to anyone and look forward to working with Canadian Mortgage Professionals again in the future!!Diana & Ryanread more
socialinjustice411
22:59 05 May 21
This step is as important as using a realtor, in my opinion. I have used... Canadian Mortgage Pros since my first home purchase. I felt strongly they were working for me and Jackie's knowledge of the industry and obvious rapport with the lender helped us. Bob was there to make sure everything was handled professionally and perfectly and I felt like I was a part of the family when working with them. (I know all their names and wouldn't hesitate to call them up just to ask a question at any time, they are very down-to-earth and approachable and all have a great sense of humour)
For our first experience we had Ken and he eased our fears and made every step smooth sailing and, he is just a nice dude, plain and simple.
They are rated highly for a reason. I am glad we were recommended Canadian Mortgage Professionals because we would have been paying significantly more and likely would not have been approved if we did it all on our own.read more
Cheri Brown
21:38 05 May 21
Ken Mercer is the best. Ive been working with him fior several years and... after a lot of hard work paying down my debts he was able to help me remortgage and pay off more debt. Without his help I would not have been able to accomplish this. I would definitely refer everyone to him. Thank you again Kenread more
Sabrina Friesen
19:26 29 Apr 21
Colleen Obleman and Bob are an absolute pleasure to deal with. Colleen is... extremely efficient, her communication is unremarkable and she is one of friendliest people I have ever had the pleasure of dealing with in the customer service industry. They have supported our house hunt for four months and was able to secure a mortgage for us on a tight timeline. Colleen provided timely updates and made us genuinely feel like she cared. Bob is always a pleasure to sign with and his infectious smile and personality goes a long way! I would recommend this team to anyone and everyone!read more
Jennifer Wassenaar
03:51 21 Apr 21
My boyfriend and I bought our home and used Canadian Mortgage... Professionals as our brokerage. Merima was absolutely fantastic and made the process simple and seamless. She answered all of my questions any time of the day and couldn’t have been more helpful. I will be recommending them to anyone and everyone in need of a mortgage. You’re in good hands!read more
Richelle Love
18:04 15 Apr 21
Although we had always done our mortgages through Canadian Mortgage Pro I... found myself needing to get a mortgage on my own suddenly. I was terrified until I called Bob. He made sure he and his team (Jason and Ken) walked me through everything I needed to get approved and understand my new mortgage. They took all my panicked calls and answered all of my emails so quickly and kindly. I am so grateful to them and owe the fact that I have a beautiful new home that I am so happy in to them. If you need a mortgage, you need to call Canadian Mortgage Professionals. Thank you so much Bob, Ken and Jason.read more
Tim Carlielle
18:10 05 Apr 21
Buying our first home was definitely a stressful process, but having the... team at Canadian Mortgage Pros on our side made a huge difference! Jackie went above and beyond to respond quickly and explain each step, and worked with our situation to find the right mortgage for us. Thanks to her hard work, we were able to get into the exact home we wanted, with a mortgage we are very comfortable with. I would highly recommend the team here, they genuinely care about their customers and will make sure you're well looked after.read more
Kevin Butcher
17:38 09 Mar 21
We just wanted to say thank you for everything and for making the process... of buying our first home an enjoyable experience. When we first visited your office we were loaded with questions, what do we need, how does it work, how much can we afford or qualify for?Bob answered all those questions and so many more that weren’t on our radar, he was very approachable, understanding and he has tons of experience and examples to put your mind at ease. Bob was always available to answer questions that came up after meetings and he called to follow-up on how we were doing, how the building process was going, very thorough with great customer service and professionalism with moments of humour while being jovial on all interactions. He has a very dedicated team that supports him and we thank them for putting all our documentation together to submit to the lender to meet the given conditions.Jackie our liaise person (between Mortgage Broker to Lender) in the office. Jackie was quick to respond to our questions via email and she was also available to have a conversation over the phone, with quick callbacks if she was otherwise engaged. She also asked us about the process, provided examples, suggestions to further put our minds at ease during the process with timely updates on our file.We would recommend Canadian Mortgage Professionals team to anyone who is thinking about or wanting to get the process of homeownership started. Canadian Mortgage Professionals has a nice office, a professional team, an excellent customer service, with a convenient location. Thank you CMP!read more
Genna Bland
03:13 27 Jan 21
I cannot even begin to explain how amazing these guys are. Bob is one of... the nicest, most charismatic people I have ever met. I never thought talking about mortgages could be enjoyable, but I could sit and talk with Bob about anything and he would make it fun and interesting - what an amazing guy! Ken was so patient and on top of everything throughout the whole process, I cannot thank you enough.read more
Rajesh Iyer
00:10 31 Dec 20
We had a great experience with Canadian Mortgage Professionals. We got the... best interest rate possible with purchase + improvements. The people working there are knowledgeable, helpful. Also the documentation was done smoothly. Thank you. Definitely recommend to anyone looking for Mortgage.read more
Ivana Sandić
03:41 07 Dec 20
I have to say that Canadian Mortgage Professionals were so so helpful to... my husband and me! Merima, Jason and Bob are great people and we are immensely thankful.
As first time home buyers, they were with us each step of the way, guiding us and giving their advice. We cannot thank them enough.
Both my husband and me truly recommend them!read more
Wyatt-Ann Edmonds
01:51 03 Dec 20
My boyfriend and I received great service from Canadian Mortgage... Professionals. They were able to offer us more than the banks could and made the whole process easy for us. We dealt with Ken, he is friendly, thorough and easy to communicate with. We are very satisfied and highly recommend!read more
Hannah Sanford
04:08 27 Nov 20
Bob and Jackie and the rest of the team at Canadian Mortgage Professionals... are fantastic. We have always had incredible service from their staff, from offering advice and guidance, providing different options with the pros and cons clearly outlined, to completing our mortgage process. The team is professional, incredibly knowledgeable, and always very responsive. Also, Bob is lively (the liveliest!) and welcoming at every appointment. We'd recommend them in a heartbeat!read more
Matt Schultz
00:47 13 Nov 20
Was recommended to Canadian Mortgage Professionals by my realtor. I worked... with both Bob and Ken and both were perfectly professional, friendly, and open. They made me feel comfortable with being a first time homebuyer.read more
Michael Hedgecock
03:45 14 Oct 20
After a bad experience with another lender halfway through the mortgage... process, we were recommended Canadian Mortgage Professionals by our realtor. Right from the beginning, we noticed how professional and responsive the company and our associate Ken was. After speaking on the phone and meeting in person, we felt completely confident with their service. We received excellent and detailed explanations of every document involved in the process. They made the seemingly difficult and unknown mortgage process for a first time buyer very easy to understand. Would definitely recommend to anyone, and would definitely come back again in the future!read more
Dee H.
23:55 05 Oct 20
Canadian Mortgage Professionals were recommended to us by our Realtor.... Worked with Bob and then primarily with Jackie. Both were awesome, responsive and professional. Jackie’s correspondence were well descriptive and we were relieved to have her expertise.
Would highly recommend them, if you want a smooth sailing when it comes to your mortgage.read more
Michael Dubnewick
17:06 02 Oct 20
Working with Ken and Canadian Mortgage Professionals was a great... experience. As first time home buyers Ken was great in explaining things and making the process understandable. He really helped us get a great rate and mortgage that worked for our situation. Could not recommend enough and big thank you.read more
Brittany Bishop
20:22 01 Oct 20
As first time home buyers, there were many questions that we had. Bob,... Jason and Merima all helped to answer all of our questions. I really appreciated meeting with Bob to review everything to do with our mortgage! He had tons of tips and tricks that were greatly appreciated! I would definitely recommend Canadian Mortgage Professionals for your mortgage needs! Thank you!read more
Stephanie Zub
23:25 21 Aug 20
I could not be more pleased with Jackie my broker! She went ABOVE and... BEYOND to help me get the best rate, and the logistics of getting my the title changed! I recommend her to anybody! She saves you a lot of money!read more
Aaron Sereda
16:06 27 May 20
We worked with Bob and Jackie to finance our first home, and they were the... first ones we went back to when it was time to renew. Bob was very knowledgeable, informative, open and friendly, and Jackie picked up where he left off and took us the rest of the way through the process as painlessly as possible. When I asked Jackie to help us with the renewal process a few years later, she went well above and way beyond what I was expecting - she found us a great rate quickly, walked me through the process very thoroughly, and was always available to answer any questions I had. I will continue to recommend Canadian Mortgage Professionals, especially Jackie, to anyone looking for help with mortage financing or renewal. Thanks again, Jackie and Bob!-Aaronread more
Cathy Turner
21:13 27 Apr 20
Bob and Mirima were exceptional! From our first contact to the last they... were outstanding professionals. We found them highly knowledgeable and very helpful. The bank wouldn’t help us, but they did and got us a great rate! Everything went fast and efficiently. We couldn’t be happier with our choice to go through them. Highly recommend Canadian Mortgage Professionals!
William and Cathyread more
Koula Vasilopoulos
01:03 24 Apr 20
Bob, Ken and everyone at Canadian Mortgage are world class. We have worked... with this amazing crew for many years and consider them the best in the industry. They have helped us with their expertise and advice more times than we can count. An excellent business and amazing humans. Much respect and love for this group!!read more
Laura Fallows
21:44 23 Apr 20
I honestly do not think I would have been able to get a mortgage without... Jackie and Bob. I know for certain that the interest rate I received could not have been matched by a conventional bank. The experience was also completely amazing. Jackie really worked hard getting everything done for me, and I loved chatting with everyone at the office when I went in. I will 100 percent be using Canadian Mortgage Pros when it comes time for renewal.read more
Kyla McAvena
21:40 31 Mar 20
I had the privileged of working with Jackie and Bob for my mortgage. It... was my first time purchasing a home and I did not know the process or what to expect. They both made it extremely easy and it was a very comfortable process. Jackie went above and beyond in explaining every detail to me and was extremely helpful. I was very happy with the process and would not change anything about it. When I met with Bob to finalize the paperwork he was very personable and again explained everything to me in detail. I really appreciate the extra mile they went to make sure I was aware of every step and what to expect. I would/will recommend them to any friend or family.read more
Daniel Wetmore
20:50 12 Mar 20
Thank you to Ken, for the incredibly professional and attentive conduct,... during the stressful process of obtaining a mortgage. I am from Vancouver Island in British Columbia, and had no complications communicating with Ken being in a different province. Ken consistently reviewed my application and always had me in mind while getting the top rate. Ken even set up my appointments with the assessments and notary. The day of signing, Ken was able to, and did get me a lower rate then what I had already approved. The first 30 seconds of contact was always very personable and comforting before confronting the details. I will absolutely deal with Ken from Canadian Mortgage Professionals for all my mortgage needs.read more
Dana Murphy
21:32 11 Mar 20
I could not be happier with my experience here!! Ken was great to work... with. His responses were always timely, and he is very professional, knowledgeable and dedicated. I would never use a different mortgage team, I'm convinced that this is the best group out there. Ken made the sale of my house and purchase of the next go VERY smoothly, and with way less stress. I have been recommending you guys already, and will continue to do so.read more
Christine Hill
18:39 26 Feb 20
I have worked professionally with Bob and his team for 10 years and they... never disappoint, work their hardest to find the best mortgage solutions for my clients and their communication through the process is top notch.
We personally re-mortgaged years ago with Jackie, and more recently with Ken and enjoyed the same exceptional service each time, as did my own parents on their last 2 homes. I have said to others in the past, 'If Bob and his team can't acquire a mortgage for someone, no one can'. Thanks for all you do!!read more
Rachel Sundby
21:16 12 Feb 20
I wish there was an option to give 6 stars to the Canadian Mortgage... Professionals! Ken and Bob are extremely helpful, friendly and (like the name says) professional. Buying a house can be incredibly daunting and they do an incredible job of holding your hand throughout the entire process. They clearly explain everything in the mortgage documents and respond quickly to questions . This was my second experience with them and I will never go to anyone else for a mortgage. After getting your mortgage with Ken and Bob, you too will want to shout their names from the rooftops and recommend them to every person you know. Thanks again Canadian Mortgage Professionals!read more
Nebyou Gebeyue
09:19 31 Jan 20
6 years ago as a first home buyer I was helped in such a way I will never... forget. Again last year when I wanted to renew my mortgage with the best rate they didn't disappoint me. I just want to say thanks again.read more
Ryan Hall
22:17 15 Jan 20
Nothing but top notch service from Canadian Mortgage Professionals. I've... had several transactions through them, all of which saved me money and provided the best rates! Highly recommend!read more
N Jones
02:50 13 Jan 20
Bob and his team genuinely care about providing the best customer service... and mortgage advice. Bob was referred to us by a friend who also had a positive experience with Canadian Mortgage Professionals. They truly are professionals, this is the second time we have used them. I would certainly recommend to anyone that needs sound and current mortgage advice to contact Bob and his team. Bob won’t disappoint.read more
Sara Mikhail
01:42 10 Jan 20
The entire team was really excellent. They were thorough in their work... and in explaining it to me. As a first time home buyer methodically going through the paper work with someone was really important and reassuring to me. And they found me an unbelievable rate!read more
Jesse Lalli
20:53 30 Dec 19
I was referred to Canadian Mortgage Professionals and couldn't be happier... with the service and attention I received. I worked with Ken and Bob and they were very professional and extremely helpful and genuinely wanted to make sure my mortgage as a first time home buyer was as smooth and clear as possible. I received advice and info on my options to get the best mortgage layout I could. I would definitely recommend anyone to visit or call this firm.read more
Tyler Medland
18:58 06 Dec 19
I had the opportunity to work with Ken Mercer with getting my mortgage for... my new house and it was an absolutely incredible experience! Ken made this process very simple, explained everything to me in detail and answered my questions very professionally through the whole process! He even went out of his way to meet with me in the NW of Calgary to make it more convenient for me! I would 100% recommend these mortgage professionals to anyone that is looking to purchase a home. Especially, being my first home purchase, I had multiple questions and was new to the experience and couldn't be more happy with how I was treated! Thank you!read more
Ellen Taylor
03:28 16 Oct 19
We had a very positive experience working with Ken Mercer on securing a... mortgage for our new home build. Ken was very welcoming, accommodating and friendly throughout the entire process. We always felt comfortable asking questions, and his communication was prompt and in terms we could understand easily. It really was a pleasure working with Ken.
He helped make the process overall simple and enjoyable. We would highly recommend Ken and his team at Canadian Mortgage Professionals!read more
Rebecca L
21:30 09 Oct 19
I found this broker using google search, we used this broker because of... the location convenience and the fact it has great reviews.We dealt with Bob and Jackie through the entire process. They educated us on every aspect of home ownership, what to watch out for, what was reasonable for our situation. I was blown away from the moment we started the mortgage process.I highly recommend using this broker to find a mortgage that is right for you. They will find you the best rate, the best options, and on top of that they answer all your questions and educate you if your unfamiliar with the process. Bob is very professional and will work for you, thanks Bob and Jackie for your exceptional services.read more
Leila Clowe
22:02 08 Oct 19
We had the pleasure of working with Ken Mercer over the last year while... buying our first home. Ken was nothing but patient with us through the whole process and went out of his way to make our experience a great one. He always got back to us very quickly and answered a ton of questions we had throughout the process. He did an awesome job at securing us a great rate and was amazing to deal with till the very end.I would highly recommend Ken and Canadian Mortgage Professionals!read more
Bradlee Avery
03:03 04 Oct 19
I can't say enough positive things about my experience with Ken... Mercer!Ken accommodated my schedule by meeting me way across town, after normal business hours. He showed massive amounts of professionalism and patience as he slowly walked me through all the paperwork and helped outlined the best solution for me, provide math involving different scenarios.Ken is an absolute pro and is just an absolute stand up guy.I would highly recommend people to go with Canadian Mortgage Professionals after my experience with them.read more
Bree Revitt-Lang
19:56 30 Sep 19
Our broker, Ken, made buying our first home so smooth and digestible. He... provided tons of information about interest rates, banks, and the TIPPs program. He regularly responded to emails in a timely manner with answers to all our questions and ensured we had all the right expectations. Very happy with the service at Canadian Mortgage Professionals. Thanks so much Ken! We love our new home.read more
KW George
15:51 20 Sep 19
I found Canadian Mortgage Professionals through an online search including... reading reviews and I am very happy I did. Jackie and Bob are extremely knowledgeable in real estate beyond simply securing the best rates. They provided information beyond my agent on how to protect myself and my investment and walked me thoroughly through the purchase process. Jackie was quick to reply to any questions or concerns as they arose, providing thorough answers and solutions. Jackie and Bob gave me full confidence they had my best interests in mind.read more
braden facco
04:38 09 Aug 18
I had the pleasure of working with Colleen on my recent home purchase. As... a first time home buyer I was very intimidated by the whole home purchasing process. I'd been looking off and on for two or three years, which lead Colleen to have to do several pre approvals for me. This was done in a timely manner and never a fuss. I found her to be very knowledgeable and extremely personable. Those two qualities made me feel very comfortable with my decision to use her. I was able to focus on all the other aspects of the purchase knowing I was in good hands. Countless e-mails and phone calls were exchanged throughout the process, she was always quick to respond with good advice and answer any of my questions. Their website is also a great source of information, they even have a monthly news letter! I would absolutely recommend Canadian Mortgage Professionals to everyone and look forward to using their services for a lifetime!
Bradenread more
