Your Leduc
Mortgage Broker.

Leduc Mortgage Broker
Your Gateway South.

Leduc makes sense. It's south of Edmonton—more affordable than the city core, with jobs at the airport and in the Nisku industrial area. A mix of residential and commercial, a real entry point for families looking to own. We've helped Leduc residents, airport workers, industrial professionals, and families get approved for mortgages that match their situation and their budget.

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What Makes a Leduc Mortgage Different

Leduc sits at Edmonton’s doorstep, anchored by the airport, the Nisku industrial park, and a strong base of oil-and-gas services and trades. A lot of local income is contract, shift, or self-employed — solid money that doesn’t always fit a bank’s template.

Industrial, trades, and contract income

Leduc and Nisku run on trades, industrial work, and oilfield services, which means overtime, shift premiums, contracts, and self-employment are everywhere. A bank that only counts base salary can understate what you really earn. The right lender counts your full income — often with a two-year history — and we know how to present it.

Buying near the airport and beyond

Leduc offers more affordable ownership than much of Edmonton, with everything from town lots to acreages nearby. Acreages and rural properties don’t finance like a city lot — some lenders limit land value or avoid rural residential. We place those files with lenders who are comfortable with them.

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.

Leduc Mortgage Questions, Answered

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

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

Can I get a mortgage in Leduc on shift or contract income?

Yes. Shift premiums, overtime, and contract income are normal around Leduc and Nisku, and the right lender will count them — usually with about a two-year history to show consistency. If you’re self-employed, an alternative (B) lender can often qualify you on your business bank statements.

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 Leduc?

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.