Brokers in Calgary

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Your Top Mortgage Brokers In Calgary!

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

Get the Best Mortgage Rates From Turkin Mortgage brokers in Calgary!

At Turkin Mortgage 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 – Turkin Mortgage 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 Turkin Mortgage 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.

Why Us
Why Us
Our Mission
Your Trusted Mortgage Broker

Our Goal Is To Obtain The Best Mortgage in Toronto For You, Devoid Of Any Challenges!

Offering Pocket-Friendly Rates You’ll Never Get From Other Lenders

As A Caring Partner, We Prioritize Your Financial Interests and Needs!

Your Phone Calls Will Never Go Unanswered. Contact Us Today!

We're Canada's #1 Broker Two Years in a Row - 2017 & 2018

Types of Mortgages We Offer

Refinancing Mortgage

Refinancing your mortgage is a frequently occurring necessity that involves repaying your current mortgage as well as other debts using your present property and assets. This results in a new loan that merges all of your prior debts. The refinancing process can be intricate. It involves transferring money and debts, renewing loan terms, and managing other related tasks. Nonetheless, not everyone can navigate the process without difficulties. Fortunately, our experienced team at Turkin Mortgage can assist you in establishing whether or not the process is appropriate for you. Additionally, they can help you navigate through all of the complicated steps for the best results.

Residential Mortgage

A residential mortgage is a loan used to finance a home purchase when the buyer does not have enough money upfront. It is tailored to the individual’s financial situation and property cost. Unless you have enough money to pay for the purchase of a house upfront, you will likely need a residential mortgage to cover the purchase cost. The specifics of each case will vary depending on several factors, such as the house you want to buy, your financial situation, and the overall market conditions. Our experts will assess your situation and provide you with the best options based on your property cost, expenses, credit score, and the market.

Commercial Mortgage

A commercial mortgage is a loan used to finance a commercial property or real estate for business purposes. The loan can be used to purchase, renovate, or expand a business property. It is secured by the property itself and typically requires a higher down payment and interest rates than residential mortgages. Commercial mortgages are also common, particularly for businesses looking to expand or start a new venture. Many businesses require a physical space, so it’s essential to choose the right loan that meets your business’s needs. Our team understands the requirements of businesses and can provide you with the best contract that meets your needs and demands.

Hassle Free Closing

At Turkin Mortgage, we offer expertise in all types of loans and provide the best options and deals for our clients. Whether you are looking to buy a home, expand your business, or consolidate debts, our agents are here to help. We aim to help our clients achieve their financial goals and strive to make the process as hassle-free as possible. Give us a call today, and let us help you resolve your financial situation. Your financial well-being is a great concern to us.

Our Team of Calgary Mortgage Brokers Offers the Next Services

First Time Buyers
First Time Buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self Employed (Mortgages)
Construction Financing

Our Team of Mortgage Brokers Located in Calgary Will Guide You Through the Entire Process

As a young person, you will undoubtedly have aspirations of owning a home. However, you’ll likely feel anxious about the significant financial commitment involved in buying a house. Your initial home purchase and mortgage can have lasting impacts, so it’s important to make informed decisions. The professionals at Turkin Mortgage in Calgary have been assisting young people with these decisions for years. Don’t let your anxiety discourage you. Contact our team for help

Before making a purchase, it’s essential to address several important questions. Firstly, you must determine what you can afford. Owning a home has several hidden costs, including property taxes, maintenance, and utilities, which need to be factored into your budget. Failure to budget for these expenses can quickly diminish the enjoyment of owning a home. It’s imperative to consult a financial advisor before making this momentous decision.

You should also calculate your debt-to-income ratio, ensuring that your total debt payments do not exceed 40% of your income, with housing costs not surpassing 32%. This will limit the amount of property you can afford to purchase.

Licensed mortgage brokers like Turkin Mortgage have the expertise, knowledge, and experience to help you navigate the specific terms and conditions of mortgages. Understanding and applying this information to your financial and lifestyle plans can result in significant future savings.

Your mortgage broker can determine the mortgage for which you qualify, along with the resulting repayment obligations. They may also assist you in getting pre-approved, providing certainty, and making sure interest doesn’t start accruing while you’re house hunting. At Turkin Mortgage, we have assisted many first-time homeowners in navigating this process successfully.

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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.

What Mortgage Repayment Choices Do I Have?

Borrowers can opt between two basic mortgage repayment plan types— an open mortgage repayment plan or a closed mortgage plan.

An open mortgage repayment plan is one in which borrowers can settle their mortgages at any point during the length of the loan and not incur penalties. Payment terms on open mortgages are shorter. They typically take half a year to a year for fixed interest rates and three to five years for variable interest rates. You will pay a higher interest rate for the adaptability of an open mortgage.

A closed mortgage plan restricts the borrower’s ability to repay whenever they want. Although many closed mortgages permit some adaptability to pay lump sum amounts, total early payment will attract potential penalties. Our team at Turkin Mortgage will review your case and recommend a suitable mortgage repayment plan.

What Are the Benefits of a Pre-Approved Mortgage?

Pre-approval is a simple and quick process that only takes a few days. You provide your lender with the necessary financial details during the process. The lender will verify the information and run a credit check. Based on this, they will give you a pre-approval for the amount you are eligible for. You will also be given a payback schedule.

The advantages of a pre-approved mortgage are:

  • You typically save time and effort by considering only the properties you can afford.
  • You’ll know the down payment required and the monthly payments for easier budgeting.
  • Because the seller knows you have the funds, they’ll be more inclined to consider and prioritize your offer.

Pre-approvals typically vary by lender. However, a good lender should pre-approve your mortgage within 2 months or 3 months, or 120 days at most.

Which is the Better Option: Fixed or Variable Interest Rates?

Whether to go for fixed or variable rates depends on an individual— it’s a personal choice. However, your risk tolerance plays a vital role in determining the ideal option.

Fixed Interest Rates

Fixed interest rates remain the same throughout the term of the mortgage, making this option by far the most popular in Canada. While fixed rates are often slightly higher than variable rates,  they provide borrowers with the security of knowing precisely what their monthly payments would be. This option is particularly beneficial and ideal for low-income borrowers.

Variable Interest Rates

Variable interest rates are connected to the prime rate and will rise and fall in tandem with it. Variable rates are less expensive than fixed rates over time. However, if the uncertainties related to variable rates often deny you peace of mind, you should go for fixed interest rates.

What Are Closing Costs?

Closing costs are the expenses incurred by buyers and sellers during the final stage of a real estate transaction. Many lenders require mortgage borrowers to put aside between 2% to 4% of the property’s value for closing costs. These costs include:

  • Appraisal Costs – Incurred when verifying your property’s value.
  • Home Inspection – Incurred when verifying that there are no significant repairs needed.
  • Land transfer tax
  • Property insurance
  • Property tax
  • Legal fees
  • Adjustment costs – They mainly include utility bills and taxes that the seller may have already paid.

What Documents Will I need to Finalize My Mortgage?

  • Details of your assets and liabilities
  • Documents to prove your identity, such as a government-issued ID, passport, and more
  • Your bank account details
  • A building plan (if you’re building)
  • Evidence of your income
  • Legal representation details
  • Purchase agreement
  • MLS listing
  • Proof of paid down payment


Turkin Mortgage
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Henry Wright

Was looking for a mortgage broker in Toronto. Heard about Leon and his team from a co worker and decided to give them a call. after some time on the phone talking about mortgages and what would work best for me I was VERY impressed. They were polite and most importantly they knew what they were talking about. We then scheduled an appointment and I got my mortgage with a great rate. Definitely recommend.

Gina Carroll

Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.

Wilton Marble

A little while back my wife and I finally decided to stop renting and get a place of our own. After some searching we found a condo we both liked and that was in our price range. The next step was a mortgage, but honestly, neither of us knew too much of what we were getting into. We found Leon and his team after a quick search on google and have had a wonderful experience. Leon and his team of mortgage brokers are VERY knowledgable, polite, work fast and just all around very professional. They answered all our questions and we got a great rate.

Afton Jaskolski

Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!

Wendy Langdon

Going through with this company was my best decision. These Burlington mortgage brokers are real professionals. They helped me to save thousands of dollars, I'm not sure I'd find such a good offer myself.

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