Mortgage Services — Expert Help for Every Situation
Shawn Selanders | RECA-Licensed Mortgage Broker | 25+ Years Experience
Every mortgage situation is different. Whether you're buying your first home, renewing, refinancing, investing, or dealing with a life change — I've handled it. Over 25 years and thousands of mortgages across Southern Alberta.
I shop 20+ lenders to find the right mortgage for your situation — not just a sharp rate, but the strongest overall fit: prepayment room, penalties, portability, and the flexibility to handle whatever life throws at you.
Why Work with a Broker Instead of a Bank?
Any single lender can show you one shelf — their rates, their products, their terms. I put the same file in front of 20+ lenders — big banks, credit unions, monoline lenders, and alternative lenders — and let them compete to be the strongest option on the table. Wider shelf, sharper pricing, and products many people never hear about.
My service comes at no direct cost to you — the lender pays me a set commission. You get straight answers, real comparison, and someone who picks up the phone.
Browse My Mortgage Services
Click any service to read the full guide with Alberta-specific details.
First-Time Home Buyer Alberta
Down payment rules, CMHC insurance, FHSA, RRSP Home Buyers' Plan, stress test, and programs that save you thousands.
Read the Full Guide →Mortgage Pre-Approval
Know exactly what you can afford, lock in a rate, and make your offer with confidence. Takes minutes.
Read the Full Guide →Mortgage Renewal Alberta
That renewal letter is an opening offer, not the final word. Comparing at renewal is simple, stress-free, and can save you thousands.
Read the Full Guide →Self-Employed Mortgage Alberta
Write off everything for taxes, then struggle to qualify? I know which lenders use stated income and alternative documentation.
Read the Full Guide →Debt Consolidation Mortgage
Roll high-interest credit cards, car loans, and other debts into your mortgage at a fraction of the rate. One payment, massive savings.
Read the Full Guide →HELOC vs. Refinance Alberta
Need to access home equity? Compare a HELOC vs. refinancing — costs, flexibility, and which one fits your situation.
Read the Full Guide →Construction & Renovation Mortgage
Building new or renovating? Completion mortgages, draw mortgages, Purchase Plus Improvements — the right program for your project.
Read the Full Guide →Investment Property Mortgage
Buying a rental? 20% down minimum, rental income offsets, and lender selection matters. I know which lenders are investor-friendly.
Read the Full Guide →Divorce & Separation Mortgage
Buyouts, refinancing to remove a spouse, qualifying on one income — sensitive situations that require experience and discretion.
Read the Full Guide →Newcomer / New to Canada Mortgage
Special programs for permanent residents, work permit holders, and newcomers — even without Canadian credit history.
Read the Full Guide →Second Mortgages & Private Lending
When traditional lenders say no — second mortgages, private lenders, and bridge financing. Know the costs and when it makes sense.
Read the Full Guide →Acreage & Rural Property Mortgage
Acreages, hobby farms, and rural properties — not every lender finances them. I know which ones do and what to expect.
Read the Full Guide →Reverse Mortgages (55+)
Access your home equity without selling or making payments. For homeowners 55+. I'll explain the real costs and whether it fits.
Read the Full Guide →Purchasing above $1.5 million? Every lender uses a sliding scale that limits financing on high-value properties — and every lender's threshold is different. The wrong lender can cost you hundreds of thousands more in required down payment. I compare 20+ lenders to find the right threshold for your property. Learn how sliding scale lending works →
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🤔 Not Sure Where to Start?
You don't need to know which service you need — that's my job. A quick phone call and I'll point you in the right direction:
• "I'm not sure if I can afford to buy right now." → Let's run the numbers. Takes 10 minutes.
• "My renewal is coming up. Should I stay or switch?" → Worth checking every single time. I'll compare in 5 minutes.
• "I'm self-employed and keep getting declined." → Banks aren't your only option. I have lenders for this.
• "We're getting divorced and need to sort out the house." → Done it hundreds of times. I'll walk you through it.
• "I just want to know what I'd qualify for." → That's what pre-approval is for. No cost, no obligation.
Let's Talk About Your Mortgage
A 10-minute call gives you clarity — what you qualify for, which lender fits, and what your real options are. No pressure, no obligation.
Call/Text: 403-703-6847
Email: Shawn@ShawnSelanders.ca
Office: 614 High View Park NW, High River, AB T1V 1E5
Hours: Mon–Fri 9:00–5:00 | Sat 12:00–5:00 | Sun Closed
Shawn Selanders — RECA-licensed mortgage broker serving Calgary, Okotoks, High River, and Southern Alberta since 1999. O.A.C. E.&O.E.