Estimate your mortgage fees.
Pick a mortgage type and enter the loan amount. You'll see typical brokerage and lender fee ranges instantly. Every real file is quoted in writing before you sign anything.
Use the slider for a quick range, or type your exact amount above (up to $999M).
This calculator 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 number on the page re-read on screen. Fees and thresholds change; we confirm the current figures for your file before you rely on them.
British Columbia & Alberta 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.
Commercial and Construction files typically include a brokerage fee, paid by the client as the industry standard, because these lenders usually do not pay broker commission. These deals require more structuring, more underwriting, more negotiation, and access to specialized capital.
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) (brokerage from $10,000 on commercial and construction) — 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%
Commercial Fees
- (A) Prime: Brokerage 1% · Lender 0.25%
- (B) Alternative: Brokerage 1%–2% · Lender 1%
- Private: Brokerage 1%–2% · Lender 1%–2%
Construction Fees
- (A) Prime: Brokerage 1% · Lender 0.5%–2%
- (B) Alternative: Brokerage 1%–2% · Lender 1%
- Private: Brokerage 1%–2% · Lender 1%–2%
Why we publish our 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.
Fee questions, straight answers
Do British Columbia and Alberta mortgage brokers charge a fee on Residential Prime mortgages?+
No. On Residential Prime and Reverse Mortgage deals across British Columbia and Alberta the lender pays the broker, so there is zero fee to the client.
What is the typical financing fee on a Residential Alternative (B) mortgage in British Columbia or Alberta?+
Brokerage fees on Residential Alternative (B) files in British Columbia and Alberta typically range from 1% to 2% of the mortgage amount, plus a lender fee of 1% to 2%. Minimums apply on smaller files: brokerage from $2,500 residential.
How much does a Private mortgage financing fee cost?+
Private residential brokerage fees are typically 1% to 2% of the mortgage amount, with private lender fees ranging from 1% to 3% — both with minimums around $2,500 on residential files.
Are Commercial mortgage financing fees paid by the lender?+
No. On Commercial and Construction files, brokerage fees are paid by the client as an industry standard. Commercial Prime is usually around 1% of the mortgage amount; Commercial Alternative and Private range from 1% to 2%, with a $10,000 brokerage minimum.