Mortgage Broker Serving Alberta
Alberta files often involve variable income and lower closing costs than Ontario — two things that change the maths in a borrower's favour more often than people expect.
The short answer
Alberta has no land transfer tax; buyers pay smaller land titles registration fees instead, which lowers closing costs compared with Ontario. Alberta mortgage brokers are regulated by RECA. Refinancing rules are federal, so the 80% loan-to-value ceiling and the stress test apply the same way as elsewhere in Canada.
What's different in Alberta
- No provincial land transfer tax — registration fees are modest by comparison.
- Income patterns are often variable: rotational work, contracts, bonuses and commissions. Lenders average and document these differently.
- Property values vary widely by community, so the appraisal carries real weight in refinance files.
- Brokerage activity in Alberta is regulated by the Real Estate Council of Alberta (RECA).
Common questions
Can you help Alberta homeowners consolidate debt?
Yes — the federal rules governing refinancing apply the same way, and the lower closing costs in Alberta mean the break-even on a consolidation often arrives sooner.
How is rotational or contract income treated?
Lenders typically average two years and want the pattern documented. Consistency matters more than a single strong year.
What could refinancing actually look like for you?
Enter 5 numbers. We estimate your available equity, your new mortgage payment at 5% over 30 years, and the monthly cash-flow difference.
Fixed for this scenario
- 5%
- New rate
- 30 yrs
- Amortization
Your Estimated Scenario
Read this before you celebrate a lower payment
A lower monthly payment does not always mean lower total interest. Stretching short-term debt over 30 years can cost more over time even when the monthly number improves — that trade-off is the conversation.
This is an illustration, not a mortgage approval or financial recommendation. Actual results depend on interest rates, penalties, lender guidelines, qualification and your full financial situation.
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