What does a Lacombe homeowner actually have to work with? Start with the costs of owning. The City's 2026 tax bylaw sets the total residential rate at 10.9209 mills, about $1,092 a year for every $100,000 of assessed value. Then the value side: homes in Lacombe sold for an average of $392,306 in September 2026, although with fewer than two dozen sales in some months that figure can move around. And the debt side: in the T4L postal area, 69 people filed a consumer insolvency in 2025, 57 of them consumer proposals. If you are paying down a proposal, a CRA balance or high-interest cards, the equity in your home may be able to replace several payments with one. We walk you through it in plain numbers and tell you honestly when a change isn't worth it.
Serving Lacombe homeowners
Mortgage broker in Lacombe
Lacombe homeowners use the equity in their homes to pay out consumer proposals, CRA debt and high-interest balances with one payment. We compare 50+ lenders for you, including ones that say yes when the banks say no.
- 180+ Google reviews
- Licensed with RECA
- Approval answers in 12–24 hours
- 50+ lenders compared
Get your free review
Your Lacombe numbers
What homes are worth here right now, what you pay in property tax, and what that can mean for your equity.
Average sale price
$392,306 (average sale price)
Source: Central Alberta REALTORS® Association Market Update, September 2026, as reported by 94.5 Rewind Radio (Oct 22 2026) · as of 2026-09
Residential property tax rate
About $10.92 per $1,000 of assessed value (municipal + provincial education + Lacombe Foundation, residential, public school supporters)
Source: City of Lacombe Bylaw 534, 2026 Property Tax Bylaw, Schedule A, passed April 27 2026 · as of 2026-04
Consumer insolvencies
69 consumer insolvencies in 2025 (down from 79 in 2024); 57 were consumer proposals
Source: Office of the Superintendent of Bankruptcy, 2025 insolvency statistics by forward sortation area (T4L) · as of 2025-12
Example: equity on a typical Lacombe home
Average sale price
$392,306
Most lenders lend up to 80%
$313,845
If you still owe
$240,000
Equity you may be able to use
$73,845
Example only, before fees. Your amount depends on an appraisal of your home, your balance and lender approval (O.A.C.). Work out your own number.
How we can help
One conversation covers all of it. Pick the one that sounds like you, or just call and we’ll work it out together.
How we can help
Pick the one that sounds like you. Not sure? We’ll help you choose.
Debt consolidation mortgage
Roll high-interest credit cards, loans and second mortgages into one manageable monthly payment.
Consumer proposal refinance
In a consumer proposal, or just finished one? Use your home equity to pay it out and start rebuilding.
Second mortgage
Borrow against your equity without breaking your first mortgage, even if your bank has said no.
Private mortgage
When the banks say no, a short-term private mortgage can bridge you to a better option.
CRA debt
Owe the CRA? Paying it off with your home equity can stop the interest and the collection letters.
Mortgage refinance
Lower your rate and your payment. Many clients save $300–$700 a month on a refinance.
Free review. No commitment.
What it costs
Your rate depends on your situation, not a sticker price. You’ll see every cost in writing before you sign anything.
Your review
$0
- Free, with no obligation
- We look at your mortgage, your debts and your home’s value
- Approval answers typically in 12–24 hours
Bank refinance
Lowest rates available
- For steady income and good credit
- Borrow up to 80% of your home’s value, minus what you owe
- Paid off over up to 30 years, with terms up to 5 years
Second or private mortgage
Higher rate, built for flexibility
- For consumer proposals, CRA debt or when the banks say no
- Usually a 12-month, interest-only term, then renewed or refinanced
- Lender and brokerage fees apply. We show you the exact amounts upfront.
What sets your rate: how much equity you have, your credit, your income, and your property. Before you commit, we give you your exact rate, every fee, your monthly payment and your total cost of borrowing in writing. All mortgages are subject to lender approval (O.A.C.). Licensing and disclosures.
Get your real numbers. Free review, answer in 12–24 hours.
Why homeowners choose MortgageSolvers
6,132
Rates lowered
Homeowners whose mortgage rate we have brought down.
50+
Lenders compared
Banks, credit unions and private lenders, so you don’t have to tell your story ten times.
12–24 hrs
Fast answers
Approval answers typically come back in 12–24 hours, with every cost in writing.
$300–$700
Typical monthly savings
What clients typically save each month on a refinance. Your own numbers come in writing first.
What homeowners say
From 180+ Google reviews by Alberta homeowners.
★★★★★
Great service always available to give you updates look for and willing to give you the best rates which saves you thousands Thanks for your hard work I am grateful for The support,help and savings
Branson · Airdrie, ABRead Branson’s review on Google (opens in a new tab)
★★★★★
We were in a very stressful financial situation before working with MortgageSolvers. Our private mortgage rate was high, credit card balances were building up, and the banks were not giving us any real solutions. From the very first call, everything was handled professionally and transparently. They took the time to review our entire situation, explained all fees upfront, and clearly outlined what was possible and what wasn’t.What really stood out was the honesty. There were no hidden charges, no last-minute surprises, and no unrealistic promises. In the end, our monthly payments were reduced significantly and we finally feel back in control of our finances. If you’re feeling stuck, I highly recommend speaking with MortgageSolvers.
Bibek · AlbertaRead Bibek’s review on Google (opens in a new tab)
★★★★★
I was treated with care and dignity. The staff were outstanding! Not only did they get me a lower interest rate, but saw a flaw in my past financial mess and made me aware of a serious issue that was not my fault. The team and my lawyer attacked the situation with pure dedication and got me a pay out that was much more than expected. It seems this company cares and will go to the mat for you. They did for me! Thank you, so, so much!!!
Nicole · Camrose, ABSent to us by Nicole
★★★★★
Smooth steps during process. Communication and professional.
Chad · Grande Prairie, ABRead Chad’s review on Google (opens in a new tab)
★★★★★
Amazing experience! Got a mortgage to payoff my property tax bill in 48 hours!
Ethan · AlbertaRead Ethan’s review on Google (opens in a new tab)
★★★★★
They helped me get the lowest interest rate so quickly
Julian · AlbertaRead Julian’s review on Google (opens in a new tab)
★★★★★
I was overwhelmed with debt and high payments. MortgageSolvers walked me through everything clearly and reduced my monthly payments more than I expected. No hidden fees, no pressure. Just honest advice and real results.
Wanda · AlbertaRead Wanda’s review on Google (opens in a new tab)
★★★★★
Fast, organized, and responsive. MortgageSolvers kept us updated throughout the entire process and closed on time.
Rahul · AlbertaRead Rahul’s review on Google (opens in a new tab)
★★★★★
MortgageSolvers helped me get a mortgage last year and it was the best decision I made 🙏
Craig · AlbertaRead Craig’s review on Google (opens in a new tab)
Get your answer in 12–24 hours
Three steps. We do the heavy lifting.
1
Free review
Tell us about your home, your mortgage and what you owe. It’s free, with no obligation and no judgment.
2
Quick approval
We compare 50+ banks, credit unions and private lenders. Approval answers typically come back in 12–24 hours, with every cost in writing.
3
Start saving
We handle the paperwork with the lender and your lawyer. You make one lower payment.
Free review. No commitment.
Questions Lacombe homeowners ask us
How much equity can I access in my Lacombe home?
Most lenders will lend up to 80% of your home's value on a refinance, minus what you still owe. The average sale price in Lacombe was $392,306 in September 2026, and 80% of that is $313,845. If you owed $230,000, you could have about $83,845 to work with, before fees. Your own figure comes from an appraisal of your home today.
Do Lacombe home prices affect my refinance?
It can. Lenders lend on what your home is worth now. With a small number of sales each month the average can swing, so we look at your home's own value before we talk numbers.
How much are property taxes in Lacombe?
For 2026 the City's total residential rate is 10.9209 mills for public school supporters (10.9497 for separate school supporters), about $10.92 per $1,000 of assessed value. That is roughly $1,092 a year for every $100,000 of assessment. Lenders want taxes current, and arrears can often be paid out of the new mortgage at closing.
Can I clear a consumer proposal with a refinance in Lacombe?
Often, yes, if there is enough equity in the home. Some lenders will refinance to pay out what is left on a proposal. We set the remaining proposal payments beside the full cost of the new mortgage so you can judge whether it is worth it.
Do I have to come to your Calgary office?
No. Most Lacombe homeowners work with us entirely by phone and send their documents electronically. Office visits in Calgary are by appointment if you would rather meet in person.
What if my credit has taken a hit?
You may still have options if you have enough equity. Private and alternative lenders look mainly at your home's value and what you owe on it. They cost more than a bank mortgage, and every cost is shown to you in writing before you sign.
How soon will I know if I'm approved?
Approval answers typically come back in 12–24 hours. We do the legwork with the lenders, so you don't have to.
Do you charge for a review?
No. The review is free and there is no obligation. If you go ahead, the lender and brokerage fees are disclosed in writing before you sign, and they are usually taken from the mortgage advance rather than paid up front.