Mortgage Services
Mortgage Solutions and Broker Services at Metro Mortgage
Metro Mortgage Group is a Canadian mortgage broker company offering residential, commercial, and private lending solutions to borrowers across Alberta and beyond. Our licensed mortgage brokers support clients at every stage of the financing journey. From early preparation to long-term mortgage management, we provide the clarity you need to confidently make financial decisions.
Whether you are a first-time homebuyer, preparing for a mortgage renewal, exploring a mortgage refinance, or seeking specialized lending options, Metro Mortgage is your trusted partner and resource.
Mortgage Products Available Through Metro Mortgage Brokers
Metro Mortgage offers a comprehensive range of mortgage types, packages, and services designed to meet the diverse needs of borrowers. Your financial goals, stage of life, current financial situation, and the type of property all impact your financing choices. Our role is to help you understand your options and select financing that fits both your current needs and future plans.
First-Time Homebuyer Mortgages
Securing your first mortgage can be an overwhelming experience. Fortunately, clear guidance from Metro Mortgage brokers simplifies the process. We support first-time buyers by explaining lender requirements, evaluating qualifications, and reviewing options. Our brokers also identify mortgage products that help you move forward with greater confidence in your homeownership readiness.
Mortgage Refinance Solutions
A mortgage refinance can be a powerful tool for restructuring debt, improving cash flow, or accessing home equity. Metro Mortgage brokers assess when refinancing makes sense based on interest rates, penalties, and long-term financial impact. By comparing multiple lenders, we help you secure competitive refinance rates and terms that are sustainable and flexible.
Mortgage Renewal Services
Mortgage renewals are an opportunity to reassess terms, rates, and lender fit. We help you evaluate mortgage renewal rates to secure the most favourable offer available. Additionally, we advise on timing considerations, including early renewal strategies when market conditions allow. Our proactive approach positions you to avoid unnecessary costs and maximize every opportunity.
For Repeat Homebuyers
If you’re returning to the housing market, Metro Mortgage helps you build on past experience while adapting to new financial realities. We revisit your goals, assess how your situation has changed, and review lender options that align with your current needs. Whether you’re upgrading, downsizing, or purchasing an investment property, we ensure your mortgage works for you now and in the future.
Specialized Mortgage Tools and Insurance Options
Our clients can take advantage of specialized, insurance-related products and protective lending features. These offerings support long-term peace of mind, financial confidence, and homeownership planning. We present these options clearly, without pressure or unnecessary complexity.
Mortgage Life Insurance
A mortgage with life insurance helps protect loved ones by covering mortgage obligations in the event of death. Mortgage life insurance packages offer peace of mind and long-term stability, especially if you’re borrowing during high-risk years. Depending on your debt levels and family structure, this may be the best coverage for you and those you care about most.
At Metro Mortgage, our role is to ensure you understand both the benefits and limitations of this coverage before deciding.
Home Loans Mortgage Insurance
Home loans mortgage insurance allows buyers to purchase with a lower down payment while meeting lender risk requirements. It expands your purchasing power, turning your dream home into a real possibility. Metro Mortgage brokers advise on insurer requirements and explain how premiums affect borrowing costs. We also help you understand how mortgage insurance impacts qualification, interest rates, and long-term affordability.
Residential Risk Protection
Risk management is especially important for first-time buyer applications. Your risk level affects lender perception and the number and value of options available to you. We take the time to explain how lenders assess risk and how you can improve your situation before applying.
Metro Mortgage helps balance coverage requirements, premium costs, and lender conditions without overcommitting financially.
Additional Lending Options
Not all financing needs fit within traditional residential lending pathways. Metro Mortgage brokers also support clients seeking alternative and specialized mortgage solutions.
Commercial Mortgage Financing
Commercial mortgages help business owners and investors purchase new properties or refinance existing parts of their portfolio. Licensed as commercial mortgage brokers, Metro Mortgage helps clients navigate underwriting requirements, cash flow analysis, and lender expectations. These files often involve complex risk assessment, making broker expertise critical to securing favourable terms.
Private Mortgage Alternatives
Some borrowers require private mortgages due to credit challenges, unconventional income, or time-sensitive purchases. Metro Mortgage works with trusted private mortgage broker networks to secure non-traditional financing that accommodates your unique situation. When traditional lenders are not an option, our brokers prioritize your best interests.
Mixed-Use & Complex Lending
Hybrid residential-commercial properties often require specialized, tailored financing. As standard lender policies may not apply, detailed preparation is a must. Factors such as zoning, income use, and property valuation are often assessed differently by specialty lenders. Our brokers coordinate these details to present clear, lender-ready applications.
Working With Metro Mortgage for Broker Guidance and Support
Metro Mortgage brokers provide ongoing, hands-on support throughout the mortgage process. During early planning and application, our expertise streamlines preparation, review, and lender engagement. After funding is secured, we continue to offer support and guidance, providing clarity every step of the way.
Loan Application Support
A strong application is more likely to succeed. Mortgage brokers and lenders approve applications that are complete, accurate, and up to date. Metro Mortgage brokers help prepare financial documents for first-time buyers, renewals, and refinancing.
Our thorough preparation reduces the risk of delays and minimizes follow-up requests from lenders, improving approval timelines and outcomes.
Rate & Product Comparisons
Comparing rates is important, but it’s not the only factor to consider. At Metro Mortgage, we use a variety of metrics to assess lender options across major banks and private lenders, including terms, penalties, and flexibility.
Whether applying for a pre-approval or reviewing renewal options, our brokers explain the differences clearly so you can make informed decisions.
Ongoing Mortgage Management
Broker support doesn’t end when approval is granted. We assist clients with future renewals, refinancing, and restructuring. When your financial situation or goals change, we help adjust your mortgage plan accordingly. Our brokers monitor rate changes and product shifts to keep your mortgage aligned with your long-term plans.
Contact Metro Mortgage Today for Personalized Mortgage Guidance
Metro Mortgage Group’s experienced mortgage brokers create personalized mortgage solutions for first-time buyers, property investors, and businesses. Our access to a broad network of lenders allows for diverse product comparisons, helping you find the plan that works best.
Whether purchasing your first home, reviewing renewal options, or exploring specialized financing, we provide full-service broker support. Contact Metro Mortgage today to begin a guided, informed approach to mortgage planning.
To learn more about our range of services, call Metro Mortgage Group at 780-974-1270 or contact us here.
