Sherwood Park Mortgage Broker
You Can Trust.

Sherwood Park Mortgage Broker
Who Gets Your Market.

Sherwood Park is a family neighbourhood. Strong schools, community-focused, growing fast. But mortgage rates are tight and competition is fierce. You need a broker who knows how to get you approved quickly without overstressing your finances. We've helped families from Strathcona County, Refinery Row workers, and professionals near Edmonton get into their dream homes.

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What Makes a Sherwood Park Mortgage Different

Sherwood Park is one of the Edmonton area’s most established communities — family-oriented, well-serviced, and home to a lot of professionals along with Refinery Row and industrial workers. Home prices sit above the regional average, which shapes how most mortgages here get built.

Higher price points and uninsured mortgages

Many Sherwood Park homes are bought with 20% or more down, which makes the mortgage uninsured. That sounds like a drawback but actually opens access to a wider set of lenders and often competitive uninsured rates. The key is structuring your down payment and file to take advantage of it — which we map out before you make an offer.

Industrial and professional income

Strathcona County runs on Refinery Row, industrial work, and a strong professional base, so incomes here range from shift-and-overtime earnings to salaried professionals and business owners. Whatever the shape of your income, the right lender counts it properly — and we know which lenders read each kind of file best.

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.

Sherwood Park Mortgage Questions, Answered

Do I need to live in Sherwood Park to work with you?

No. We’re licensed across Alberta and work with buyers, owners, and renewers throughout Sherwood Park 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 Sherwood Park with shift or overtime income from Refinery Row?

Yes. Shift premiums and overtime are normal for industrial and refinery workers, and the right lender will count them — usually with about a two-year history. We package your income so it reads as the real number you earn, not just your base pay.

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 Sherwood Park?

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.