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Who Stands To Change The Industry


Your Top Certified Mortgage Brokers In Calgary!

…a GTA based brokerage with a decade of experience under its belt.

Get the Best Mortgage Rates From Certified Mortgage Brokers of Calgary!
At Certified Mortgage Broker in Calgary, we are dedicated to finding the best mortgage solutions based on your particular financial needs. With over a decade of experience under our belt, we are not only sure to provide a headache free experience, but also the best services, rates and terms. Whether it is a residential, commercial or private mortgage you seek, we are at your service.

Who We Are – Certified Mortgage Brokers Calgary
Our prime objective is to deliver unbiased mortgage advice and provide options to securing financing for your next purchase. We work with dozens of lenders all across the country, including banks, B lenders and private lenders.

What You Will Get From Working With Us
We at CMB want to ensure that our clients are able to navigate the often-complex process of getting a mortgage so they can buy the property that they need. Making a mistake can not only be costly but also result in a lot of wasted time and effort. When you deal with us, we will work to get you the best deal for your mortgage so that you’ll soon be holding the deed to your new property.

What We Stand For
As an experienced Mortgage Broker we work both in Calgary and across the country, with a priority in mind to ensure that our recommendations are unbiased and based solely upon the best interests of our clients. We pride ourselves on our independence and integrity, and in always putting the needs of our clients first.

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Understanding Mortgage Basic

Mortgage Basics
If you are interested in learning more about mortgages, we invite you to take a look at the short primer we have prepared, so that you’ll have a better idea of what to expect.

Mortgage Definition
A mortgage is a loan taken out in order to purchase real estate, with the property being used to secure the debt. It is paid off in a series of monthly payments, and the term of the mortgage can be anywhere from fifteen to thirty years.

Down Payment
When you take out a mortgage, you are required to pay a small percentage of it to secure the loan. This is called the down payment, and in Canada the minimum amount is 5% of the total debt as long as it does not exceed $500,000. The portion of the mortgage above $500,000 is charged an additional ten percent.

What You Need To Know

This is the process of getting assessed by a lending agency to see how much you can borrow and at what interest rate. Pre-approval will help you get your mortgage more quickly by helping you determine how much you can afford and locking in a rate.

Interest Rates
There are two types of rate options – fixed and variable. Fixed interest rates mean that the rate will remain consistent throughout the term of the mortgage, while variable rates are subject to change depending on prevailing market rates.

Mortgage Term vs. Amortization Term
The amortization term is the period over which you will pay off the mortgage. The mortgage term, on the other hand, is just the term of the loan, at the end of which you may not have paid off the mortgage in full and can renegotiate for more favorable terms with the lender or look for better terms with another lender.

Calgary Mortgage Frequently Asked Questions

What Is A Mortgage Term?

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.

You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

What Is A Down Payment?

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.


Certified Mortgage Brokers
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Sean Hammond

I had to port a mortgage to a new condo, Leon had excellent knowledge to get me through the approval process. When the bank made an error, Leon was quick to contact them to make sure everything was done right and on time. He is very professional and courteous and I recommend his service to anyone who wishes to apply for a mortgage.

Ronald McDonald

Giving them 5/5 stars. Massoud helped me with my mortgage and he never missed a beat. He made the process very straightforward as a first time home buyer. Shopped around for other mortgages but he was always the first to get things for me. Highly recommend him

Shannon Jones

I was looking to renew my mortgage and my previous lender was less than willing to do anything to keep my business. So I started to look for another brokerage to do business with and Certified Mortgage Broker stood out purely based on my interactions with Massoud. Massoud was professional and clearly had a keen sense of customer service; which I make a high priority when doing business with anyone since I'm in the customer service business myself. Peter rolled out the red carpet for me, walked me through my options, inquired about my plans with my current property, give me opinions and facts about rentals in the area, sales/purchases. In some respects he gave me more information about real estate than my real estate agent has!

Glen Plummer

Selling and buying a home is a stressful experience and Leon with CMB in North York took all of the stress out of arranging the financing. He was very professional and clear about what I needed to provide to him. He used this information to arrange the best mortgage option on our new home, arranged the bridge loan to cover the closing period differential, and arranged closing out the mortgage with the previous lender.. Our experience with Leon is far better than the local in-person brokers that we contacted previously and Leon has helped us with a mortgage renewal in the past with the same excellent experience.

Colleen Power

Leon returned my called from a missed call within 15 minutes of my call and I left no message. Leon and his team were fantastic. Even with the money issues we had Leon made me feel important and valued as a person.

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