We Care About Your Home Buying Journey
Where expertise meets empathy in Calgary’s mortgage landscape
We don’t just process mortgages, we cure financial stress, remedy rate concerns, and prescribe personalized solutions for your homeownership dreams.
Whatever your circumstance,
let our specialists be your guide
Bank said NO?
We understand that being self-employed comes with unique challenges when applying for a mortgage. Traditional lenders may ask for years of income proof, tax returns, and more. At My Mortgage Medics, we work with lenders who specialize in helping entrepreneurs, freelancers, and business owners get approved. Let us tailor a solution that works with your income style, not against it.
Credit history doesn’t have to stand in the way of homeownership. Whether you’ve had late payments, collections, or even past bankruptcies, we know lenders who focus on your present and future, not just your past. Our team will help rebuild your credit profile while finding financing options that fit your needs today
Just moved to Canada and looking to buy a home? Don’t worry if you don’t have a long credit history here — we specialize in mortgage solutions for newcomers. Whether you’re here on a work permit, permanent residency, or just getting settled, we’ll help you navigate the system and make your Canadian homeownership dream a reality.
Looking to lower your monthly payments, access equity, or consolidate debt? Refinancing your mortgage can unlock financial freedom. At My Mortgage Medics, we’ll compare rates and options across lenders to find the best refinance plan for your unique situation.
Just moved to Canada and looking to buy a home? Don’t worry if you don’t have a long credit history here — we specialize in mortgage solutions for newcomers. Whether you’re here on a work permit, permanent residency, or just getting settled, we’ll help you navigate the system and make your Canadian homeownership dream a reality.
Just started a new job and worried about getting approved for a mortgage? Many lenders require years of steady employment history, but we know the lenders who are flexible and ready to work with your new career path. Let’s get you pre-approved without the unnecessary wait.
Buying your first home is exciting — but it can also feel overwhelming. At My Mortgage Medics, we simplify the process. From government programs and down payment assistance to step-by-step guidance, we’re here to make sure your first buying experience is smooth, stress-free, and successful.
Don’t lose hope if your bank turned you away. Banks have strict guidelines, but we have access to a wide network of lenders, including alternative and private options. We specialize in turning “NO” into “YES” — helping you secure financing when traditional doors close.
Utilize our approval options to see how fast how fast you can get approved!
Choose the option that fits your needs best!
24
hr
Approval
Subject to review of required documents
Same
day
Pre-approved
(Personalized service)
(Personalized service)
Utilize our approval options to see how fast you can get approved!
Choose the option that fits your needs best!
Over 30+ Top-Rated Lending Partners
More Lenders, More Options, Better Rates
We have a pool of home loan options that allow us to find you the most ideal solutions. Our team of experts’ research and negotiate on your behalf to secure the best outcomes.
Our Services
What Peoples Say
Stop Saying I Wish, and start saying I Will.
Predict the future by creating it
The mortgage process can feel overwhelming but it doesn’t have to be. With expert guidance and a personalized approach, we make your journey as smooth and stress-free as possible.
Our secure online application connects you with a real person who’s committed to finding the right mortgage solution for you. We handle all the details and work directly with lenders on your behalf.
This isn’t just a one-time transaction. It’s the start of a lasting relationship built on trust, support, and expert mortgage advice—wherever you are in Canada.
Our Mortgage Rates
Mortgage Calculator
Term
Rates From
Payment as low as
3 Year Fixed
3.79%
$4415/ mo
5 Year Fixed
3.89%
$2755 / mo
5 Year Variable
4.04%
$795 / mo
Book A Free Consultation.
You should get the best mortgage possible! Request a free consultation and we’ll handle the rest.
Numbers That Speak for Themselves
From securing the best rates to guiding clients through every step of homeownership, our proven track record is built on trust, expertise, and results for Albertans and British Columbians.
5000+
Mortgages Secured
Helping families and individuals across Alberta and BC find the right mortgage solutions.
30+
Trusted Lending Partners
Access to a diverse network of lenders to ensure competitive rates and flexible terms.
25+
Years of Experience
A legacy of providing expert mortgage advice and personalized service.
Frequently asked questions
It depends on your income, debts, credit score, down payment, and current interest rates. Most lenders follow the Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to assess affordability.
Pre-approval is a lender’s estimate of how much you can borrow, based on your financials. It gives you a clearer home-buying budget and strengthens your offer to sellers.
Most Canadians choose terms between 1 to 5 years, with 5 years being the most common. After the term ends, you can renew at a new rate.
- Homes under $500,000: Minimum 5%
- $500,000 to $999,999: 5% on the first $500,000 + 10% on the rest
- $1 million or more: Minimum 20%
- Fixed rate: Stays the same for the term (e.g., 5 years)
- Variable rate: Fluctuates with the prime rate—can go up or down
If your down payment is less than 20%, mortgage default insurance (from CMHC, Sagen, or Canada Guaranty) is mandatory.
"My Mortgage Medics helped me secure my first home effortlessly. Their expertise and support made the process smooth and stress-free. Highly recommend their services!"