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 the lowest rate, but the best overall deal including prepayment options, penalties, and flexibility.
Why Work with a Broker Instead of a Bank?
A bank offers you their products. I offer you the best product from 20+ lenders — big banks, credit unions, monoline lenders, and alternative lenders. Better rates, better terms, and options banks can't match.
My service typically costs nothing on most transactions — lenders pay me a commission. You get expert advice, better rates, and someone who works for you, not the bank.
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
Don't just sign the letter your bank sends. Switching at renewal is stess free, easy, 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 best 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?" → Almost always worth checking. 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 9:00–7:00 | Sat–Sun 12:00–5:00
Shawn Selanders — RECA-licensed mortgage broker serving Calgary, Okotoks, High River, and Southern Alberta since 1999. O.A.C. E.&O.E.