Mortgage broker for Canmore.
Canmore is Alberta's premier recreational and second-home market — mountain-view detached, tourist-zoned strata, and STR-driven investor activity. Generic mortgage advice fails here.
Canmore properties split into permanent-residence and tourist-zoned (visitor accommodation) classifications, and the financing rules are dramatically different. Tourist-zoned strata often disqualify mainstream lenders entirely. Most files are second homes funded against Calgary or out-of-province equity, with STR income increasingly used to qualify.
Files we close in Canmore
- →Tourist-zoned strata purchases with STR income
- →Second-home detached funded against Calgary or out-of-province equity
- →International and out-of-province buyers
- →Private bridging for assignments and new-construction completions
Canmore mortgage services
We offer the full Mortgage Guru lineup in Canmore — every pillar, every program, every niche lender.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
Every program we place in Canmore
Neighbourhoods we serve in Canmore
Tourist-zoning and STR files are exactly the underwriting most banks decline. Our Alberta-licensed underwriters work the specialty lender list that funds them.
Canmore mortgage FAQ
Can you finance Canmore tourist-home zoned property with nightly-rental income?+
Yes. Canmore's tourist-home zoning is unique — most banks won't finance them or will heavily discount the rental income. We work with the small group of lenders that lend on tourist-home zoning and count nightly-rental income properly.
Do you handle Canmore Phase 1 vs Phase 2 / employee-housing properties?+
Regularly. Canmore has resident-only and Perpetually-Affordable Housing (PAH) restrictions on many properties. We pre-clear restriction type with lenders that fund each category.
What about jumbo financing for $2M+ Canmore detached?+
Common. Three Sisters, Eagle Terrace and Silvertip jumbo files need credit-union and private-bank programs that hold LTV at this price point.
Do you arrange private and second mortgages in Canmore?+
Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in Canmore through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.
Can you set up a reverse mortgage (CHIP / Equitable PATH) in Canmore?+
Yes. Canmore — especially Three Sisters, Eagle Terrace and Silvertip — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.
Is Manulife One a good fit for Canmore homeowners?+
Often, yes. Canmore has a high concentration of dual-income professionals, business owners and investors carrying meaningful cash balances alongside the mortgage. Manulife One collapses your chequing, savings, mortgage and HELOC into one account, so every dollar sitting in cash offsets mortgage interest daily — frequently saving 5–7 years of amortization for clients with strong cash flow. The rate premium over a plain mortgage is real, so we model it against your actual deposit patterns before recommending it. If the math doesn't work we'll tell you, and we'll often pair it with a readvanceable structure instead.
Ready to move your file forward?
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