Calgary and area
Mortgage help for Calgary homeowners
MortgageSolvers is based in Calgary. We help homeowners across the city and the towns around it use their home equity to lower payments, pay off debt and get back on track.
- 180+ Google reviews
- Licensed with RECA
- Approval answers in 12–24 hours
- 50+ lenders compared
Get your free review
The short answer
There’s no cost and no obligation. We compare 50+ banks, credit unions and private lenders, including lenders who look at your home’s equity and not only your credit score, and approval answers typically come back in 12–24 hours.
- Every Calgary community, plus Airdrie, Cochrane, Okotoks, Chestermere and nearby
- Office at 730 58 Ave SW, by appointment
- Every cost in writing before you sign
How it works, step by step
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
Your lawyer pays off your debts from the new mortgage, and you make one lower payment. Most people never need to visit the office, but you are welcome to book a time.
Home equity and debt in the Calgary area
Every household is different, but we hear a few common stories from Calgary-area homeowners.
- People who bought years ago and have built real equity, but are carrying credit card and car loan payments that eat up the monthly budget.
- Newer buyers in growing communities who have less equity, so the numbers need a careful look before borrowing more.
- Homeowners in a consumer proposal whose bank won’t renew their mortgage.
- Self-employed people and contractors who owe the CRA after a slow year.
In 2025, 5,297 people in Calgary postal areas filed a consumer insolvency, and about 86% of them chose a consumer proposal rather than bankruptcy (Office of the Superintendent of Bankruptcy, insolvencies by postal area). If you own a home, your equity may give you more choices than a consumer proposal or bankruptcy.
Communities we serve around Calgary
We help homeowners in every part of Calgary, including Cranston, Mahogany, Seton, Auburn Bay, Evanston, Saddle Ridge and Panorama Hills. Around the city, we serve Airdrie, Cochrane, Okotoks, Chestermere, Strathmore, High River, Langdon and the rest of Rocky View County. See all the areas we serve on our Alberta page.
Areas with their own page
How much could you borrow?
Most lenders lend up to 80% of your home’s value on a refinance, minus what you already owe.
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.
Real homeowners. Real monthly relief.
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)
Questions people ask
Where is your office?
At 730 58 Ave SW in Calgary. Office visits are by appointment only, so call ahead and we will book a time. Most people start with a phone call and send their documents electronically.
Do you help outside the city?
Yes. We help homeowners in Airdrie, Cochrane, Okotoks, Chestermere, Strathmore, High River, Langdon and the rest of the Calgary region, and across Alberta.
How much equity can I use?
Most lenders lend up to 80% of your home’s value on a refinance, minus what you already owe. Try the home equity calculator for a rough idea.
My bank said no. Can you still help?
Often, yes. We work with banks, credit unions and private lenders, including ones who look mainly at your home’s equity rather than only your credit score.
Can I pay off my consumer proposal early?
Often, yes, if you have equity. See consumer proposal refinance for how it works and when it isn’t worth it.
How fast can I get an answer?
Approval answers typically come back in 12–24 hours.
How we can help
Find out what you could save.
A free, no-obligation review. We’ll look at your current mortgage and show you exactly how much you could be saving. No pressure. Just numbers.