by Earl Holland
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Need a homeloan?
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Have a Bad Credit?
Refinancing My Mortgage
We pride ourselves as being mortgage planners and experts in our industry. What's the difference? A loan officer answers your questions regarding a rate. A planner asks you important questions so we can help make sure you actually have the right loan for your financial needs. A mortgage can either help you achieve your dreams or kill them. Want a planner?

Owning your own home provides several benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say “good bye” to your landlord and take control of your living environment.


Some borrowers can refinance both first mortgages and second mortgages into new, lower-rate first mortgages. They do this by going through a cash-out refinancing, or a refinancing in which the new first mortgage is larger than the old one.


We combine in-depth customer insights with practical expertise in operations and economics to help our clients create sustainable, organic success.

Types of Loans:
  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down
  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Many balloon mortgages offer the option to convert to a new loan after the initial term.
  • Lower down payment
  • Easier to qualify
  • Sometimes you may get lower rates

BMAHL Mortgage Brokers

Let us help you find the lowest rate BMAHL Mortgages that give you the BMAHL mortgage rates.Calgary Mortgage Brokers play a critical role in the biggest investment most people will ever make. The wrong mortgage broker can cost you thousands of dollars and lot of frustration. A Calgary mortgage broker may fall anywhere on the spectrum, some are excellent and some mortgage brokers are really, really bad. Be sure to do your research when considering a mortgage broker. How long has the mortgage broker been in business? Doing your research will greater your chances of finding the perfect Calgary mortgage broker, who you can do business with for a lifetime.

Frequently Asked Questions

A. A Mortgage Broker is an independent real estate financing professional who specializes in the origination of commercial and/or non-commercial mortgages. Mortgage Brokers normally pass on the actual funding and servicing of the loans to capital sources who act as “wholesalers”. There are approximately 20,000 mortgage brokerage operations across the nation that originate over half (70%) of all residential mortgage loans in the US.

A Mortgage Broker is also an independent contractor working on average, with 40 wholesale lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, a broker offers the most efficient and cost effective method of offering suitable financing options tailored to the consumersÕ specific financial goals.

A. Points are also called origination fees. These fees are charged by the lender to pay for certain expenses incurred in connection with the processing of the real estate loan. One point is equal to one percent (1%) of the amount of the loan.

A. APR stands for annual percentage rate and reflects the interest rate charge on the loan plus other finance charges including, for example, private mortgage insurance premiums, points and other financing costs you pay when obtaining the loan.

A. Mortgage insurance gives protection to lenders by spreading a portion of the risk involved in lending money on homes to a separate, private company. Through this process, borrowers can get into a home at a substantially lower down payment.

Why choose BMAHL Mortgages?
  • A knowledgeable, courteous person is available for pre-qualification and credit reports!
  • Our convenient Calgary location allows for easy access from anywhere in Calgary!
  • Mobility: we can come to you if that is more convenient!
  • We have the experience and expertise to assist the self-employed borrower!
We’ve helped Clients in Calgary to get their dreamed home.

“When we needed to refinance, BMAHL found us 4 competing offers and we were able to pick the best one for us. Thanks!”

– Mike and Jennie P.– Calgary, AB, Canada


I am very happy with BMAHL,
they helped us to get our mortgage approved in 20 minutes.

Susan McNamara — Calgary, AB, Canada


Thank you BMAHL for your help in buying my home,
I am very happy.

Sean Fitzgerald — Calgary, AB, Canada

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If you have any question about Real Estate and Mortgages, please contact us.

Would you like to speak to one of our Mortgage Broker over the phone? Just submit your details and we’ll be in touch shortly.

Feel free to use this contact form to contact us. You can also use my contact form so that we can contact you. We are always available to our clients to answer any mortgage questions that you may have.

Lets get you approved today!