Calgary's Premier Mortgage Brokerage
Navigating Calgary's dynamic real estate market takes more than luck — it takes a mortgage broker who knows every neighbourhood, from Beltline condos to detached homes in Mahogany, and every strategy to secure the best rates.
Get Pre-Approved TodayThe Calgary Mortgage Market
Calgary's real estate market has experienced rapid growth, with the average home price near $580,000 in early 2025. Driven by interprovincial migration and strong economic fundamentals, the market spans highly sought-after inner-city condos and expansive suburban single-family developments.
Whether you are buying your first condo in the Beltline, upgrading to a detached home in Aspen Woods, or investing in a rental property in Mahogany, having a mortgage broker who understands Calgary's micro-markets is essential. Kraft Mortgages brings access to over 40 top lenders and customized rate structures under RECA compliance.
Our Calgary team has deep expertise in structured progress draws for custom builders, refinancing pipelines for equity extraction, and alternative lending strategies for self-employed professionals.
Our Mortgage Services in Calgary
First-Time Buyer Programs
Calgary is highly attractive for first-time buyers. We help you maximize your purchasing power with down payment strategies, FHSA timing, and optimal lender selection.
Builder Progress Draws
Building in Mahogany or Aspen Woods? We structure progress draw mortgages that align perfectly with construction schedules, keeping your build moving smoothly.
Relocation Mortgages
Relocating from Vancouver or Toronto? We secure pre-approvals using your confirmed transition income, ensuring a stress-free transition to Alberta.
Why Choose a Local Calgary Mortgage Broker?
Calgary's real estate market moves fast and rewards preparation. A local broker understands Alberta's land title registration system, property transfer procedures, and local market dynamics, assuring a smooth closing process.
Frequently Asked Questions
Q: What is the minimum down payment required in Calgary?
For homes under $500,000, the minimum is 5%. For homes between $500,000 and $999,999, it is 5% on the first $500,000 and 10% on the remainder. For homes over $1 million, it is 20%. Given Calgary's relative affordability, many buyers can enter the market with under $40,000 down.
Q: How does the Alberta prompt-pay legislation affect builder mortgages in Calgary?
Alberta's prompt payment rules keep construction projects moving. For custom home builds or developer draws in neighbourhoods like Mahogany or Aspen Woods, we structure progress draw mortgages that align perfectly with contractor billing schedules.
Q: Can I qualify for a Calgary mortgage using interprovincial relocation income?
Yes! Many buyers relocating from Vancouver or Toronto purchase homes in Calgary before moving. If you have a confirmed job offer or remote work agreement with your employer, we have lenders who will approve your mortgage based on that transition income.
Q: What are the best neighbourhoods for first-time buyers in Calgary?
Neighbourhoods like Evanston and Redstone in the north, or legacy communities in the south, offer excellent value-per-square-foot. Inner-city areas like the Beltline and Bridgeland are popular for condos. We can help you secure pre-approvals for all options.
Q: Do I need a local Calgary mortgage broker?
Absolutely. A local broker understands Alberta's land title registration system, property transfer procedures, and local market dynamics, assuring a smooth closing process.
Ready to Make Your Move in Calgary?
Get a free, no-obligation mortgage consultation. We respond within 24 hours.