St. Albert counted 72,316 residents at its 2024 census, 6,234 more than in 2018, and the cost of owning a home here keeps moving. The City says the total tax requirement for a typical residential property rose 3.8% in 2026, with combined residential rates at about $11 for every $1,000 of assessed value. Stacked on top of a car loan, a line of credit and a couple of credit cards, it can make every month feel tight. Home values are the other half of the picture: the median detached home sold in St. Albert went for $545,450 in October 2026; so far this year it has been up 7.4% on the same months last year. If you own one of the city's homes, that equity may be able to replace several payments with one. We work out what your home could realistically support, compare 50+ lenders, and tell you honestly when a change isn't worth it.
Serving St. Albert homeowners
Mortgage broker in St. Albert
St. Albert homeowners use the equity in their homes to roll credit cards, car loans and tax arrears into one manageable payment. We compare 50+ lenders for you and explain every option in plain English, 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 St. Albert numbers
What homes are worth here right now, what you pay in property tax, and what that can mean for your equity.
Median sale price
$545,450 (median sale price, detached homes) (up 7.4% so far this year, compared with the same months last year)
Source: REALTORS® Association of Edmonton, St. Albert, October 2026 · as of 2026-10
Residential property tax rate
About $11.00 per $1,000 of assessed value (municipal + provincial education, residential)
Source: City of St. Albert 2026 Property Tax Rate Bylaw 18/2026 · as of 2026-05
Local context
The City says the total tax requirement for a typical residential property rose 3.8% in 2026.
Source: City of St. Albert, 2026 taxation notice (published May 20, 2026) · as of 2026-05
Example: equity on a typical St. Albert home
Median sale price
$545,450
Most lenders lend up to 80%
$436,360
If you still owe
$330,000
Equity you may be able to use
$106,360
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 St. Albert homeowners ask us
How much equity can I take out of my St. Albert home?
Most lenders will lend up to 80% of your home's value on a refinance, minus what you still owe. The median price of a detached home sold in St. Albert was $545,450 in October 2026, and 80% of that is $436,360. If you owed $350,000, you could have about $86,360 to work with, before fees. Your own number depends on an appraisal of your home today, not on the city average.
St. Albert prices move from month to month. Does that change what I can borrow?
It can. The median detached price in St. Albert has been up 7.4% so far this year, compared with the same months last year, and monthly figures swing with which homes happened to sell. Lenders lend on your home's appraised value today, not on the average or on what you paid. That is why we check your home's current value before we talk numbers.
How do St. Albert property taxes come into a refinance?
Lenders want your property taxes up to date. St. Albert's 2026 residential rates add up to about $11.00 per $1,000 of assessed value, or roughly $1,100 a year for every $100,000 your home is assessed at. If you have fallen behind, the arrears can often be paid out of the new mortgage at closing, so they don't follow you.
Can I use my home equity to pay off CRA debt or a consumer proposal?
Often, yes. If there is enough equity in your St. Albert home, a refinance or second mortgage can pay out what you owe to CRA or the balance of a consumer proposal, so you are left with one payment to the lender instead. We look at whether that actually leaves you better off before recommending it.
Do I have to come to your Calgary office?
No. Most St. Albert 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.
Can I get a second mortgage in St. Albert 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 a higher rate and fees 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.