Southeast of Edmonton
Mortgage broker services for Beaumont
Our office at 4990 92 Ave NW #105 in Edmonton is about 25 minutes northwest of Beaumont, and most of the work happens by phone, video and e-signature. Compare 30+ lenders with one application and one credit check.
This form doesn't check your credit. If a lender needs to later, Daniel will explain it and ask first. No obligation.
The Edmonton region, as of August 2026
- Average residential price
- $469,602
- +1.8% year over year
- Benchmark (MLS® HPI)
- $426,900
- −0.6% year over year
- Detached
- $575,575
- +1.0% year over year
- Townhouse
- $298,238
- −1.0% year over year
These are board-wide figures for the whole Edmonton metropolitan region, which includes Beaumont. They aren't a Beaumont benchmark. We won't publish a community-level price until we can source one.
August 2026 · REALTORS® Association of Edmonton via CREA Statistics Source(opens in a new tab)
Edmonton office
RECA licensed
Daniel De Sousa, Mortgage Associate · Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage. Verify our licence on RECA ProCheck(opens in a new tab)
30+ lenders
One application and one credit check. Daniel will tell you if staying put makes more sense.
Your data stays in Canada
Applications and documents are stored in Canadian data centres.
Beaumont
First-time buyers and new builds in Beaumont
Local notes on the housing, the market and the lenders that matter when you buy in Beaumont.
Beaumont is one of the fastest-growing communities in the Edmonton region. Most of that growth is new builds, bought largely by young families.
So a large share of Beaumont files are first purchases of homes that don't exist yet. A first-time buyer with a possession date 12 months out is the hardest combination in residential lending to get right, and mistakes often don't show up until possession.
A first-time buyer on a new build qualifies twice: once now, to sign the purchase agreement, and again at possession, when the lender checks that nothing has changed. A year can pass between those dates. In that year, a car loan, a job change, a credit card carrying a balance or a rate move can change the answer, and by then your deposit is committed.
So the work on a Beaumont file starts before the purchase agreement. We work out when each part of the deposit is due, whether the mortgage is a completion or a progress-draw mortgage, how long the lender will hold the rate, and what happens at re-qualification if the hold runs out first. We also check what your qualification looks like with 15% of headroom left in it. That headroom is what keeps a 12-month possession from turning into a lost deposit.
A first purchase with a 12-month possession date means qualifying twice, a year apart, with the deposit already committed. Build in headroom at the start.
Beaumont buyers can often use most of the first-time buyer programs, and many don't use them. They include the FHSA, the $60,000 Home Buyers' Plan, the $1,400 first-time buyers' tax credit, up to $50,000 of GST back on a qualifying new build, and a 30-year amortization on insured mortgages for first-time buyers and for buyers of newly built homes. On a Beaumont new build most buyers are eligible for most of it, and using them together is worth more than any rate negotiation.
Beaumont has a distinct francophone heritage. We work with clients in English. If you'd prefer to do your mortgage in French, tell us and we'll help you find someone who can.
Lender notes
New-build files here are decided by rate-hold length and re-qualification policy as much as by price. We shortlist lenders on those 2 things first, because a lower rate you can't keep until possession doesn't help you.
Land transfer tax
Beaumont has no land transfer tax
Alberta doesn’t charge one, and no Alberta municipality does either. Instead, you pay Land Titles Office registration fees: $50 plus $5 for every $5,000 of value, once on the property transfer and again on the mortgage registration.
On a $500,000 home with a $400,000 mortgage, that’s $550 + $450 = $1,000. The same purchase in Ontario carries $6,475 in provincial land transfer tax, and $12,950 in Toronto once the municipal tax is added.
| Where you buy | Land transfer tax | Registration fees | Total |
|---|---|---|---|
| Beaumont, Alberta | None | $1,000 | $1,000 |
| Anywhere in Ontario | $6,475 | — | $6,475 |
| Toronto (provincial + municipal) | $12,950 | — | $12,950 |
The Alberta fees went up on October 20, 2024. They used to be $2 per $5,000 on a transfer and $1.50 on a mortgage, so plenty of calculators and blog posts still show the old numbers.
With no tax, there’s no first-time buyer rebate to apply for here. Alberta also doesn’t charge provincial sales tax on the default insurance premium. In Ontario, that tax has to be paid in cash at closing and can’t be added to the mortgage.
Alberta figures computed from the Land Titles Act ss. 64.1 and 102.1 fee schedule in force from October 20, 2024. Ontario and Toronto figures computed from the current provincial and municipal land transfer tax brackets, before any first-time buyer rebate. Estimates for comparison only. Your lawyer’s statement of adjustments governs.
Mortgages in Beaumont
Find the mortgage that fits your move
We've put these in order for Beaumont. The first card is what people here ask about most.
Best for: doing this for the first time
First-time buyer
FHSA, the $60,000 Home Buyers' Plan, the $1,400 tax credit, up to $50,000 of GST back on a new build, and 30-year amortization. We'll help you combine the ones you qualify for.
Best for: buying from a builder
New build
New builds mean long closings, builder deposits, progress draws and a rate hold that has to last until possession. We'll compare your builder's preferred lender with the rest.
Best for: your first or your next
Buying a home
Get a pre-approval number before you write an offer. It includes the stress test, default insurance and Alberta closing costs.
Best for: the letter on your kitchen table
Renewing
Renewing with your current lender doesn't need a stress test, and switching lenders at renewal usually doesn't either. So compare before you sign the first offer.
Best for: consolidating, renovating, investing
Refinancing
Borrow up to 80% of your home's value. We'll show you the penalty and the break-even point before you decide.
How we work in Beaumont
We serve Beaumont from Edmonton, about 25 minutes away
Our office is in Edmonton, about 25 minutes northwest on Highway 625. You can meet Daniel there, or do the whole thing by video.
- By videoApplication, documents and your rate quote, on a scheduled call with Daniel.
- By e-signatureCommitments and lender instructions are signed electronically, then sent to your own lawyer.
- In personYou can meet Daniel at the Edmonton office. It's about 25 minutes along Highway 625 in normal traffic.
Today's rates
Today's mortgage rates for Beaumont homes
Lenders price nationally, not by postal code, so these are the same rates you'd see anywhere in Alberta. Payments assume a $500,000 mortgage over 25 years with monthly payments. Each rate shows its APR, conditions and the time we checked it.
5-year fixed
Uninsured
- Rate
- 4.09%
- APR
- 4.14%
20% or more down, or a refinance.
Hold this rate5-year variable
Insured
- Rate
- 3.55%
- APR
- 3.60%
Prime − 0.90%
Prime minus 0.90%.
Hold this rateRates shown are current as of September 21, 2026 at 9:00 a.m. MT and are subject to change without notice. Rates are available on approved credit (O.A.C.) only, are subject to the terms and conditions of the applicable lender, and may vary based on your credit history, income, down payment or equity, loan-to-value, property type and location, occupancy, amortization, and whether the mortgage is insured, insurable or uninsured.
Annual percentage rates (APR) shown assume a mortgage amount of $500,000, an amortization of 25 years with monthly payments, and include no lender or brokerage fees. Fixed rates are compounded semi-annually, not in advance, as required under section 6 of the federal Interest Act; variable rates are compounded monthly. Payment figures exclude property taxes, heating, condominium fees and default insurance premiums unless stated. Insured rates require mortgage default insurance and are available only on qualifying transactions.
Rates may contain errors or omissions and do not constitute an offer of credit, a rate hold or a pre-approval. Not all applicants will qualify. Contact Daniel De Sousa, Mortgage Associate, to confirm the rate available to you. Daniel De Sousa is licensed by the Real Estate Council of Alberta (RECA) and registered with Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage.
Beaumont mortgage questions
Questions we get about Beaumont files, plus the provincial rules that apply here the same way they do across Alberta.
I'm a first-time buyer on a Beaumont new build. What do I qualify for?
Possibly every first-time buyer program, and together they're worth a lot.
The FHSA lets you save $8,000 a year up to a $40,000 lifetime limit, with a deduction on the way in and tax-free growth on the way out. The Home Buyers' Plan lets you take $60,000 per person from an RRSP. The first-time home buyers' tax credit is worth $1,400. On a qualifying new build there's up to $50,000 of GST relief. And insured first-time buyers, along with all buyers of newly built homes, can take a 30-year amortization. Used together, they're worth far more than a rate negotiation.
My possession is a year away. What can go wrong between now and then?
Your qualification can change, and by then your deposit is committed.
The usual causes are a new car loan, a job change during a probationary period, a credit card balance that has crept up, and a rate move beyond what the hold covers. To protect yourself, qualify with headroom instead of at your maximum, and talk to us before you take on any new credit.
Can we do our mortgage in French?
Not at the moment. We work with clients in English.
If French-language service matters for your mortgage, tell us and we'll point you to someone who can provide it.
Do I have to come to your Edmonton office?
No. Most of our Beaumont clients never do. The application, documents, signatures and closing instructions all move electronically, and Daniel calls you, so you're not left filling in a form and waiting.
If you'd like to meet in person, the office is at 4990 92 Ave NW #105 in Edmonton.
Is the rate different in Beaumont than in Edmonton?
No. Lenders set mortgage rates nationally, not by postal code, and no lender prices Beaumont differently from Edmonton.
The property can make a difference. An acreage, a manufactured home, a very rural address or an unusual lot can shorten the lender list and occasionally change the pricing, because of what's on the land. If that's your situation, tell us early and we'll tell you where you stand before you write an offer.
Does Beaumont have a land transfer tax?
No. Alberta has no land transfer tax, and no Alberta municipality charges one either.
You pay Land Titles Office registration fees instead: $50 plus $5 for every $5,000 of value, charged once on the property transfer and again on the mortgage registration. On a $500,000 purchase with a $400,000 mortgage, that's about $1,000 in total.
Near Beaumont
The licensee, lenders and provincial rules are the same. The housing stock differs from town to town, which changes the file.
Your rate
Start your Beaumont mortgage
Answer 6 questions in about two minutes and see a rate with its APR and conditions at the end. Then decide what to do with it, or call Daniel De Sousa at (825) 797-5417.
No credit check, and no commitment.