Your Mortgage Broker
in Canmore.

Mortgage Broker
For Canmore.

Canmore is a unique market. Primary residences, vacation rentals, investment properties, corporate housing — they all require different financing approaches. We specialize in mountain town mortgages. Whether you're buying your family home, investing in a rental property, or acquiring commercial real estate, we know how to structure the deal and find lenders who understand Canmore.

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What Makes a Canmore Mortgage Different

Canmore isn’t like anywhere else in Alberta. It’s a mountain town with resort-level prices, a lot of second homes, and properties that come with zoning and income situations most lenders rarely see. Financing here takes a broker who actually knows the market.

Tourist homes, second homes, and higher price points

Many Canmore properties are second homes, and some carry tourist-home or visitor-accommodation zoning that changes how — and whether — a lender will finance them. Prices also sit well above the insured cap, so most purchases are uninsured with 20% or more down. That opens a wider set of lenders, but only if your file is built for them. We know which lenders lend on Canmore’s unique properties.

Income that comes from more than a paycheque

Canmore runs on tourism, hospitality, small business, and self-employment, and plenty of buyers here have income that isn’t a simple salary. A bank that only reads a T4 can miss most of your earning power. Alternative (B) lenders can work from business bank statements and the full picture, which matters a lot in a resort economy.

Three paths to approval, not one

There isn’t one way to get a mortgage — there are three, and the right one depends on your file. A-lenders (the banks and credit unions) offer the most competitive rates when you have strong credit and provable income. B-lenders are built for self-employed, bruised-credit, or unusual-income files, usually as a one- to two-year bridge back to an A-lender. Private lenders are equity-focused for tight timelines or complex files, and generally need 20–25% or more down. A single bank can only offer you the first path — we shop all three and build a plan to move you up to better terms over time.

Canmore Mortgage Questions, Answered

Do I need to live in Canmore to work with you?

No. We’re licensed across Alberta and work with buyers, owners, and renewers throughout Canmore and the surrounding area. Everything is handled by phone, email, and secure e-signing, so you never have to visit an office.

Can you finance a second home or tourist-zoned property in Canmore?

Often, yes — but it depends on the property. Second homes, and units with tourist-home or visitor-accommodation zoning, are financed differently than a standard residence, and not every lender will touch them. We know which lenders are comfortable with Canmore’s zoning and price points and place your file where it will fund.

How much down payment do I need?

For an owner-occupied home, as little as 5% on the first $500,000 and 10% on the portion above that, up to a $1.5 million purchase price. A rental or investment property generally needs at least 20% down, and private financing usually asks for 20–25% or more. We’ll give you the real number for your plan before you start shopping.

What credit score do I need to buy a home in Canmore?

There’s no single cutoff. A-lenders want stronger credit, but B-lenders regularly work with scores below 600 when the rest of the file is solid, and private lenders look mainly at your equity and down payment. A past bankruptcy, consumer proposal, or collection doesn’t automatically disqualify you.

Should I just renew with my current lender?

Not without checking your options first. The renewal letter your lender sends is a starting point, not their best offer — and since late 2024 you can switch lenders on a straight renewal without re-passing the stress test, which opens up the whole market. A quick review often saves real money.