In one year, Chestermere went from 28,129 residents to 32,255, according to the City's 2024 and 2025 municipal censuses, and the average home here holds 3.5 people. Bigger households tend to carry bigger monthly costs, and 2026 added one more. The City raised its residential mill rate from 3.248 to 3.573, which it estimated at about $227 more a year, or $19 a month, on a $700,000 property. Home values have their own story: CREB's benchmark price for all home types in Chestermere was $683,800 in October 2026; so far this year it has been down 1.4% on the same months last year. When credit cards, a vehicle loan or a line of credit pile on top of all that, the equity in your Chestermere home may be able to replace several payments with one. We work out what your home can realistically support and tell you honestly when a change isn't worth it.
Serving Chestermere homeowners
Mortgage broker in Chestermere
Chestermere homeowners use the equity in their homes to roll credit cards, vehicle loans and other debts into one manageable payment. We compare 50+ lenders for you, including ones that work with consumer proposals and CRA debt.
- 180+ Google reviews
- Licensed with RECA
- Approval answers in 12–24 hours
- 50+ lenders compared
Get your free review
Your Chestermere numbers
What homes are worth here right now, what you pay in property tax, and what that can mean for your equity.
Benchmark home price
$683,800 (all home types) (down 1.4% so far this year, compared with the same months last year)
Source: CREB® housing statistics, Chestermere, October 2026 · as of 2026-10
Residential property tax rate
About $6.18 per $1,000 of assessed value (municipal + provincial education, residential)
Source: City of Chestermere Bylaw #022-26, 2026 Tax Rate Bylaw, passed May 26, 2026 · as of 2026-05
Example: equity on a typical Chestermere home
Benchmark home price
$683,800
Most lenders lend up to 80%
$547,040
If you still owe
$410,000
Equity you may be able to use
$137,040
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 Chestermere homeowners ask us
How much equity can I take out of my Chestermere home?
Most lenders will lend up to 80% of your home's value on a refinance, minus what you still owe. Chestermere's benchmark price for all home types was $683,800 in October 2026, and 80% of that is $547,040. If you owed $400,000, you could have about $147,040 to work with, before fees. Your own number depends on an appraisal of your home today.
Do changes in Chestermere home prices affect what I can borrow?
They can. Chestermere's benchmark price has been down 1.4% so far this year, compared with the same months last year, and lenders base what they lend on your home's value now, not on what you paid. That is why we check your home's current value first, so you know exactly where you stand before you decide anything.
How do property taxes come into a refinance in Chestermere?
Lenders want your property taxes up to date. Chestermere's 2026 residential rates add up to about $6.18 per $1,000 of assessed value. On the $700,000 property the City used as its 2026 example, that is roughly $4,327 a year. If you have fallen behind, the arrears can often be paid out of the new mortgage at closing, so they don't follow you.
We have a big household and a lot of monthly bills. Where do we start?
With a list of what you owe and what each payment costs you every month. We compare that with what one new mortgage payment would look like, including every fee, so you can see the difference side by side. If the numbers don't come out ahead, we tell you.
Do I have to come to your Calgary office?
No. Most Chestermere homeowners start with a phone call and send their documents electronically. Office visits in Calgary are by appointment if you would rather meet in person.
Can I get a second mortgage in Chestermere if my credit isn't perfect?
Often, yes, if you have enough equity. Private and alternative lenders look mainly at your home's value and how much you owe on it, not only your credit score. Expect higher costs than a bank mortgage, and every cost is shown to you in writing before you sign.
How fast can I get an answer?
Approval answers typically come back in 12–24 hours. We do the legwork with the lenders, so you don't have to.
What does it cost to talk to you?
Nothing. 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.