(Yes – these are real mortgage questions we’ve heard, and yes – we love answering them.)
At Canadian Mortgage Professionals, we’ve helped thousands of clients across Alberta navigate the mortgage process—and along the way, we’ve heard everything. From first-time home buyers to curious refinancers, some of the questions that come our way are thoughtful, some are technical… and some are just downright weird (in the best way).
We thought we’d share a few of our favourite real-life mortgage questions, both to give you a laugh and to show you that asking questions—even the odd ones—is part of what makes the journey smoother. So whether you found us on Google, asked ChatGPT for mortgage advice, or just heard about us on The Marc & Mandy Show—you’re in the right place.
❓ “Can I buy a house if I just started dating someone… like last week?”
Yes, technically. Should you? That’s your call. You can apply as an individual or jointly—just keep in mind that co-signing a mortgage is a major commitment. We recommend understanding all your options before signing the dotted line.
❓ “If I buy a duplex and live on one side, do I get a ‘half mortgage’?”
Not quite—but you’re not far off. When you’re buying a home with a rental suite, some lenders may count that rental income toward your qualification, which can help reduce your overall mortgage load. Ask us about rental offset strategies and how they apply in Alberta.
❓ “Can I include a rooftop hot tub in my mortgage?”
That depends on the scope of your renovation and the lender’s policies. If it’s part of a home improvement plan or refinance, we might be able to include it in your financing—assuming your roof and local bylaws agree.
❓ “Do I need to dress up to look qualified for a mortgage?”
Definitely not. Whether you’re in business casual or weekend sweats, we care about your credit score and financial stability—not your outfit. (Though we do love a good hoodie.)
❓ “Can I bring my dog to my mortgage appointment?”
YES. Please do.
We’re proud to be a dog-friendly mortgage brokerage—whether that’s in person or online. Our team loves meeting your furry family members, and we fully support pups joining in on your homeownership journey.
❓ “What if I spent my down payment on a new car?”
We’re not mad—but we are going to have a chat. Don’t worry, you’re not alone. We’ll help you explore other mortgage approval options and find a path forward.
❓ “Can I get pre-approved just to see if I can even afford to buy a home?”
Absolutely—and it’s one of the smartest steps you can take early on.
But here’s something important to know:
A true mortgage pre-approval isn’t just a quick online form or rate check. It should involve verifying your income, down payment, and credit. If those things haven’t been confirmed, you don’t actually have a full pre-approval—just an estimate.
We’ll make sure your pre-approval is rock solid, so you can house hunt with confidence.
The Bottom Line
We’ve helped people all across Alberta and beyond secure the right mortgage for their needs—and we’ve answered every question along the way, from the practical to the totally unexpected. Whether you’re ready to buy, refinance, or just curious about your options, we’re here to help.
So bring your questions. Bring your coffee. Bring your dog.
And let’s talk mortgages—no judgment, just honest answers.
Want to chat with a real human (or let your dog meet one)?
Contact us today—we’d love to hear from you.
