Alberta Mortgage Broker: 20 Years of Experience and 81+ Lenders, Licensed With RECA
Rowan Smith has brokered mortgages since 2006 and holds an Alberta mortgage licence through the Real Estate Council of Alberta (RECA). Albertans work with him for the same reasons BC clients have for two decades: honest advice, access to 81+ lending sources, and a track record of closing files that other lenders turned down.
What Makes Borrowing in Alberta Different
- No land transfer tax. Alberta charges Land Titles registration fees instead, so closing costs are lower than in BC or Ontario.
- RECA licensing. Every mortgage broker and associate dealing in mortgages in Alberta must hold a RECA licence, and you can verify any licence online.
- National lenders, local details. Most mortgage rates are set by national lenders, so a broker's value lies in lender choice, terms and approval strategy rather than a special "Alberta rate."
- Rural and acreage properties. Some lenders limit acreage size or rural locations, and knowing which lenders will finance them saves time.
Alberta Market Snapshot
| Market (August 2026) | Benchmark price | Year over year |
|---|---|---|
| Greater Edmonton Area | $426,900 | -0.6% |
| City of Calgary | $569,800 | -1.1% |
Sources: CREA / REALTORS® Association of Edmonton and CREB®. Prices in both cities have held close to flat while sales have slowed, which gives prepared buyers more choice and negotiating room.
What Are Mortgage Rates in Alberta Right Now?
Mortgage rates change often, sometimes weekly. Your rate depends on your down payment, whether your mortgage is insured, the term you choose, your credit and the property itself. Rather than showing a generic rate table that goes out of date, Rowan quotes the rate you actually qualify for, usually within one business day. Call (604) 657-6775 or apply online for a personal rate quote.
Why Albertans Choose Rowan
- 20 years of brokering, since January 2006.
- $768M+ in mortgages funded across 1,675 closed deals.
- 81+ lending sources: 23 banks and credit unions, 8 alternative lenders and 50+ private lenders.
- Rated 5.0 stars across 57 Google reviews. [LINK to /testimonials]
- Specialist in complex files: construction, private lending, self-employed income and debt restructuring.
How It Works
- Book a free call and tell us what you want to achieve.
- Upload your documents securely. We review everything before any lender sees your file.
- Get your options side by side, choose the best fit, and we manage the file through to funding.
Mortgage Solutions for Calgary Homeowners and Buyers
Rowan Smith Mortgage Broker - City Wide Mortgage Services Serves Clients Across the Following Areas
Rowan works with clients across alberta and nearby communities. Because every step is handled by phone, video and secure online application, you get the same service wherever you buy.
Alberta Mortgage FAQs
Is Rowan licensed to arrange mortgages in Alberta?
Yes. Rowan holds a RECA mortgage licence, and his licence details appear at the bottom of this page.
Where is your office?
Our office is in Vancouver, BC. Alberta clients are served remotely, and the legal work is completed by a lawyer in Alberta.
Do I pay for your service?
For most residential mortgages, no, because the lender pays the broker. Private mortgages can carry fees, and those are disclosed in writing upfront.
Can you help if I live outside Edmonton or Calgary?
Yes. We work with borrowers across Alberta, including smaller cities, towns and acreages.
Get in Touch
Contact Rowan Smith Mortgage Broker
- Book a free consultation with an Alberta-licensed broker who has access to 81+ lenders and works with Calgary clients every step of the way. Call (604) 657-6775 or apply online.
