RateLens, Daniel De Sousa, Mortgage Associate, Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage

Edmonton and all of Alberta

Every mortgage we arrange in Alberta

Each mortgage below shows what the rate looks like and the conditions that come with it. Daniel De Sousa, Mortgage Associate with Indi Mortgage, quotes your rate from one application, and will tell you when staying with your lender is the better move.

Get pre-approvedTake the 2-minute quote

No credit check, and no commitment.

Alberta, today

Updated earlier

Published figures. Each one links to a calculator so you can run your own.

5-year fixed, uninsured
4.09%
4.14% APR · effective September 21, 2026 at 9:00 a.m. MTSee every rate
You qualify at
6.09%
The federal stress test uses the greater of 5.25% or your rate plus 2 percentage points.Run the stress test
Minimum down on $470,000
$23,500
5% of the first $500,000, 10% to $1.5M, 20% above that.Calculate mine
Rate hold
120 days
If rates fall while you shop, you get the lower one.

Rates as of September 21, 2026 at 9:00 a.m. MT, subject to change without notice. O.A.C. Not an offer of credit, a rate hold or a pre-approval. Daniel De Sousa, Mortgage Associate, Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage, a RECA-licensed mortgage brokerage.

  • 30+ lenders, one credit checkOne application goes to the whole panel.
  • Paid by the lender, not by youThere's no fee to you on a standard residential mortgage.
  • An office in Edmonton4990 92 Ave NW #105

Edmonton office

4990 92 Ave NW #105

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.

Where to start

Renewing, buying or using your equity

Each page opens with the numbers before any form. Nothing you tell us goes to a lender until you say so.

All mortgages

Browse mortgages by what you're trying to do

Filter by stage. Each one links to its rates and the conditions lenders attach, including the files banks often decline.

Filter mortgages by category

Showing 21 of 21 mortgages.

Not sure which one fits? Answer 6 questions and we’ll point you to one, with a rate and payment at the end. There’s no credit check at this step.

How it works

Apply once, and we'll take it to every lender that fits

A bank can only offer you its own mortgages. We compare a panel of lenders on the same application, with one pull on your credit file.

  1. Step 1: Tell us what's going on

    About two minutes

    Buying, renewing, refinancing or something the bank's form has no box for. There's no credit check at this step, and nothing goes to a lender until you say so.

  2. Step 2: We compare lenders

    Same business day

    We price your file with 30+ lenders, including banks, monoline lenders and Alberta credit unions. Then we bring back the 2 or 3 that fit, with the trade-offs written out.

  3. Step 3: You choose and we hold the rate

    Up to 120 days

    You pick the lender. We hold the rate while you shop or as your renewal date gets closer. If rates fall, you get the lower one.

  4. Step 4: We take it through to funding

    Usually 2–4 weeks

    We handle the conditions, the appraisal and the lawyer. You'll always know what's still outstanding, and we'll keep you posted.

    Daniel De Sousa, Mortgage Associate, handles your file.

How we get paid. Daniel De Sousa arranges mortgages through Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage, a licensed mortgage brokerage, not a lender. The brokerage and Daniel are compensated by the lender you choose when your mortgage funds (paid by the lender, not by you). Compensation varies by lender and product and doesn’t change the rate you’re quoted. A lender fee or brokerage fee is uncommon and happens mainly on alternative or private lending. If one applies to your file, we’ll disclose the exact amount in writing before you sign anything. We’ll tell you if any product we recommend pays us more than an alternative we considered. Before we start work on your file, you’ll receive a written service agreement setting out our services, our compensation and any fee that applies to you.

Calculators

Run the numbers before you talk to anyone

Free, with no email required. They use Canadian rules: semi-annual compounding, the down payment ladder and the stress test.

  • Mortgage payment

    Every Canadian payment frequency, including accelerated, with the full amortization schedule.

  • Affordability

    GDS and TDS shown as bars and calculated at the stress-test rate, the same way a lender qualifies you.

  • Payment shock

    What your payment becomes at renewal, and 3 ways to bring it back down.

  • Stress test

    The greater of 5.25% or your rate plus 2 points, and what to fix if you don't pass.

  • Land transfer tax

    Alberta has no land transfer tax. See what you pay instead, and what Ontario or BC would charge.

  • HELOC

    65% of your home's value on its own, 80% combined with your mortgage. See how much room you have.

Questions about choosing a mortgage

What does a quote from RateLens cost me?

Nothing, on a standard residential mortgage. Lenders pay Indi Mortgage a fee when your mortgage closes, so you don’t pay us for a quote. The fee doesn’t come out of your rate.

Some private and alternative mortgages do carry a brokerage fee. If yours does, we’ll tell you the dollar amount in writing before you sign anything.

Why would I use a broker instead of my bank?

Your bank can only offer you its own mortgages. We can compare 30+ lenders with one application and one credit check. 38% of recent Canadian homebuyers used a mortgage broker, and 48% of recent first-time buyers did.

We can also tell you to stay put. If your bank’s offer is the right one for you, we’ll say so.

What is the stress test, and will it apply to me?

The stress test is a federal rule (OSFI Guideline B-20). You have to prove you could still afford your payments at the greater of 5.25% or your contract rate plus 2 percentage points. It applies when you buy, when you refinance and when you switch an insured mortgage to a new lender. It doesn’t apply to a straight renewal with your current lender, and since November 2024 it doesn’t apply to an uninsured straight switch either. Run the stress test.

Does Alberta have a land transfer tax?

No, and that’s the biggest cash difference between buying here and buying in Ontario or BC. Instead, you pay Land Titles Office registration fees: $50 plus $5 for every $5,000 of value, charged once on the transfer and again on the mortgage registration. On a $500,000 home with a $400,000 mortgage, that’s $1,000. Calculate yours.

Do you deal with people the bank turned down?

Yes, often. Self-employed income, a thin credit file after arriving in Canada, a discharged consumer proposal, commission or rotational pay and rental portfolios all need a lender that fits them. If the answer is “not yet,” we’ll tell you, and give you a plan to get there.

Which provinces do you work in?

Alberta. Daniel De Sousa is licensed by the Real Estate Council of Alberta and arranges mortgages through Indi Mortgage, a licensed brokerage, on property in this province. We meet Edmonton-area clients in person and everyone else by video, phone and e-signature. If you’re in another province, we’ll connect you with a licensed Indi Mortgage agent there, and tell you in writing if a referral fee is paid.

Not sure yet

Get your rate first, then pick a mortgage

Answer 6 questions and see a rate and payment. There's no credit check. Then pick the mortgage that fits.

Get my rateTalk to Daniel

No credit check, and no commitment.