Residential mortgage fee estimates.
Estimate brokerage and lender fees on Residential Prime, Alternative (B), Reverse, and Private files in BC & AB. Honest ranges, every quote in writing.
Use the slider for a quick range, or type your exact amount above (up to $999M).
Case Studies — files like this
Anonymized case studies from our desk. Names and identifying details removed.
- Case study · ResidentialBuying a Home During a Complex Separation While Still on a Joint MortgageThe bank granted the change two business days before funding. The client completed on time, a sizable deposit never at risk, at prime pricing rather than the fallback, saving more than $20,000. The client later referred someone else going through a separation.Read the file →
- Case study · ResidentialHow a Fully Open Manulife One Mortgage Avoided a Renewal Penalty Before a Home UpgradeThe client keeps full flexibility, pays down faster, and is set to upgrade in coming months at the lowest cost. We earned less on it, it was the right fit.Read the file →
Residential Mortgage Financing Fees, Explained
Most borrowers in British Columbia and Alberta do not pay us a brokerage fee on Residential Prime or Reverse Mortgages because the lender pays us directly.
Alternative (B) residential files may include a brokerage fee because lenders often pay only partial compensation, and private residential files typically include one because these lenders usually do not pay broker commission at all.
Below are the typical fee ranges we quote, in plain numbers, with no hidden costs. Minimums apply on smaller files (brokerage from $2,500 on residential; private residential lender fees from about $2,500) — the percentages take over as amounts grow.
Residential Fees
- (A) Prime: Brokerage 0% · No lender fee
- Reverse Mortgage: Brokerage 0% · No lender fee
- (B) Alternative: Brokerage 1%–2% · Lender 1%–2%
- Private: Brokerage 1%–2% · Lender 1%–3%
Why we publish our residential fees
Mortgage Guru Financial is led by Ramin Hallaji, a British Columbia & Alberta licensed mortgage broker with Dominion Lending Centres specializing in Complex Residential, Commercial, Construction and Private files, including reverse mortgages and self-employed borrowers. We publish honest fee ranges because clients deserve to know what a deal actually costs before they pick up the phone. Every quote is delivered in writing, with full disclosure, before you sign anything.
Compassionate fee consideration
We make special consideration for delicate situations and charge a lower fee whenever possible, sometimes no financing fee at all if possible, for single parents, survivors of abuse, people living with disabilities or chronic illness, recently separated or widowed clients, families in financial distress with limited funds, seniors on fixed income, newcomers and refugees, and others navigating hardship.
If your situation is sensitive, please tell us. We will do our best to make it work.
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.