Mortgages for Less

Mortgages for Less Welcome to the page of the Mortgages for Less team at The Independent Mortgage Company! A full service mortgage brokerage in Alberta.

We've been assisting homebuyers since 2006, offering unparalleled expertise in securing optimal mortgage solutions tailored to each client’s needs. Our intimate knowledge of both the Fort McMurray and Calgary markets will make sure you are well served.

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.Today we celebra...
06/21/2026

Here’s to the dads who lead with heart, show up with strength, and build homes full of love and support.

Today we celebrate the father figures, stepdads, grandpas, and mentors who help shape our lives and communities.

Happy Father's Day!

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.National Indigenous Peoples Day...
06/21/2026

Today, and every day, we honour Indigenous voices, cultures, and histories across Canada.

National Indigenous Peoples Day is a time to listen, learn, and celebrate the rich traditions, knowledge, and contributions of First Nations, Inuit, and Métis communities.

We recognize the importance of truth and reconciliation and remain committed to fostering respect, inclusion, and meaningful connection in every community we serve.

If your fixed rate mortgage was set during pandemic lows, a renewal could come with serious sticker shock. And if have a...
06/19/2026

If your fixed rate mortgage was set during pandemic lows, a renewal could come with serious sticker shock. And if have a variable rate, higher payments might already be hitting.

Here’s the good news: you do have options. Whether it’s restructuring, extending amortization, or exploring lender alternatives, working with a licensed mortgage professional means you won’t have to navigate this alone.

💬 Let’s talk about your next steps before renewal stress kicks in. Send us a message today to book a personalized mortgage review.

Tamar and her team at Mortgages For Less are absolutely amazing! I recommend them to anybody and everybody. They turn th...
06/19/2026

Tamar and her team at Mortgages For Less are absolutely amazing! I recommend them to anybody and everybody. They turn the complicated and time consuming process of getting a mortgage, or renewing a mortgage into a simple, time and money saving venture. I will never go anywhere else.

Tamar is amazing to work with,prompt,patience and knowledgeable.This is our second time working with her,easy to communi...
06/17/2026

Tamar is amazing to work with,prompt,patience and knowledgeable.This is our second time working with her,easy to communicate just text or call away.If i can give more than 5 star i will give 10 star.Thank you so much Tamar!

Breaking a fixed-rate mortgage early can come with a hefty price tag, a cost many people do not fully understand.It is c...
06/17/2026

Breaking a fixed-rate mortgage early can come with a hefty price tag, a cost many people do not fully understand.

It is called the Interest Rate Differential (IRD) penalty. It is calculated based on the difference between your current mortgage rate and today’s rate for a similar remaining term. The bigger the gap, the bigger the penalty.

This really matters when rates have dropped since you secured your mortgage. If you locked in at a higher rate and current rates are lower, that spread can lead to a significant penalty.

Many homeowners who secured mortgages in the higher rate environment of 2022 and 2023 may be surprised by how large this cost can be.
Before you refinance, switch lenders, or sell, it is important to understand the true cost of breaking your mortgage.

A mortgage agent (broker), like us, can help you estimate your penalty, explore your options, and build a plan that aligns with your financial goals.

Do not make a move without understanding the numbers first. Reach out, we are here to help.

Two mortgages with Mortgages for Less, two seamless, hassle-free experiences. Excellent services and prompt responses to...
06/16/2026

Two mortgages with Mortgages for Less, two seamless, hassle-free experiences. Excellent services and prompt responses to questions, even the dumb ones. Highly recommend.

Juggling selling your current home and buying a new one at the same time?A bridge loan is the perfect solution many peop...
06/15/2026

Juggling selling your current home and buying a new one at the same time?

A bridge loan is the perfect solution many people don't know about! It provides the short-term funds you need to close on your new home before you receive the proceeds from the sale of your old one. This gives you the financial freedom to make your next move without the stress of being caught in the middle.

If you're planning to list, relocate, or upgrade this fall, let's talk about how a bridge loan can make your transition seamless.

Send us a message to learn more!

Really good experience with the Mortages for Less Team. Tamar was very attentive to our needs.
06/13/2026

Really good experience with the Mortages for Less Team. Tamar was very attentive to our needs.

When the bank says no, we help you find the right yes.Every mortgage journey is different. Whether you’re self-employed,...
06/11/2026

When the bank says no, we help you find the right yes.

Every mortgage journey is different. Whether you’re self-employed, new to Canada, rebuilding your credit, or facing unique financial circumstances, we understand that traditional lending isn't always a fit.

That’s where working with a licensed mortgage professional (like us) makes all the difference. We have access to a wide range of lenders and flexible mortgage products designed to meet you where you are, not where the banks expect you to be.

Let’s find the solution that moves you forward. Connect with us today!

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223 14th Street Nw
Downtown Calgary, AB
T2N1Z6

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