Dillan Kelly - Mortgage Broker

Dillan Kelly - Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Dillan Kelly - Mortgage Broker, Mortgage brokers, 469 40 Street S, Lethbridge, AB.

Helping Albertans with mortgages since 2014 | 550+ families guided in purchases, renewals & refinances | With Canada’s top mortgage network — Dominion Lending Centres Mortgage Excellence

06/03/2026

People refinance for a lot of reasons.

Maybe it’s to buy a rental property.
Maybe it’s to purchase a vacation home.
Maybe it’s to invest in a business or the stock market.

But by far the #1 reason I see people refinance is to eliminate high-interest debt and large monthly payments.

Credit cards, auto loans, lines of credit, student loans… when these payments start stacking up, cash flow can get tight in a hurry.

I’ve seen homeowners reduce their monthly obligations by $1,500+ per month by consolidating multiple debts into one mortgage payment. In many cases, we can also extend the amortization up to 30 years to create maximum flexibility and lower monthly payments.

With the appreciation we’ve seen across Southern Alberta over the last 5 years, many homeowners are surprised by how much equity they have available.

If you’re wondering whether a refinance could improve your cash flow, consolidate debt, or help you access equity for another goal, send me a message and let’s explore your options.

Dillan Kelly
Dominion Lending Centres Mortgage Excellence
403-894-5818
[email protected]

05/06/2026

Don’t make this mistake in 2026 👇

If your mortgage is renewing this year, make sure you’re reaching out EARLY so you’re not leaving money on the table.

Some lenders can hold rates for up to 130 days, and with how volatile the market has been in 2026, it could be one of the smartest moves you make.

In just the last 130 days alone, fixed rates have moved nearly 0.60%. That can make a huge difference in your monthly payment and long-term interest costs.

The biggest mistake I see?
People waiting until the last minute and only signing the renewal offer their current lender sends them.

Even if you stay with your current lender, having a strategy matters.

If you have questions about your renewal or want to explore your options, feel free to reach out 👇

Dillan Kelly
Dominion Lending Centres Mortgage Excellence
📱 403-894-5818
📧 [email protected]
🌐 dkmortgageteam.ca

Business Shout Out!! 🌟LIGHTS BY HOMEONE 💡📞 Phone: 403-401-6583🌐 Website: Homeonelights.comI just had to give a huge sho...
05/02/2026

Business Shout Out!! 🌟

LIGHTS BY HOMEONE 💡

📞 Phone: 403-401-6583
🌐 Website: Homeonelights.com

I just had to give a huge shoutout to this amazing company! 🙌 From their competitive pricing to how quickly they got the lights up, the whole process was top-notch. The attention to detail is on another level, and the results speak for themselves. The lights look absolutely fantastic!

If you’re thinking about adding some LED lights to your home, definitely reach out to HomeOne.

04/09/2026

Not all variable rate mortgages are created equal 👇

From lender to lender and bank to bank, variable products can work very differently.

When most people think of a variable rate, they’re actually thinking of an adjustable rate mortgage. That’s where your payment changes every time the rate changes with the Bank of Canada.

A static variable is different.

Your payment is set based on the variable rate at the time of closing and it stays the same. If rates go up, your amortization adjusts longer. If rates go down, your amortization shortens and you pay it off faster.

In today’s volatile market, I have a lot of clients leaning toward this option because it gives them consistency in their monthly payment while still benefiting if rates improve.

If you’re not sure which type of variable is right for you, let’s chat.

📞 403-894-5818
🌐 dkmortgageteam.ca

04/08/2026

🌸 Happy Masters Week 🌸

Who do you have this year?

I’m rolling with Rory McIlroy to go back-to-back, and my sleeper pick for the weekend is Min Woo Lee 👀

Let’s hear your picks 👇

02/25/2026

Most buyers don’t realize this 👇

Lenders don’t use your “minimum payment” on credit cards and lines of credit.

They use about 3% of the balance.

So a $20,000 balance = $600/month on your application, even if your statement says $150.

That can cost you tens of thousands in buying power.

Before you apply, let’s review your debts.

Dillan Kelly
Dominion Lending Centres Mortgage Excellence
403-894-5818
[email protected]

02/11/2026

If you’re saving for a home and your money is just sitting in a regular savings account… you’re missing out 💸

A First Home Savings Account (FHSA) lets you:

✅ Save up to $40,000
✅ Get tax deductions
✅ Withdraw tax-free for your first home
✅ Combine it with RRSP + TFSA strategies

Example:
Putting in $8,000/year could mean thousands back at tax time, depending on your income.

If you’re planning to buy in the next few years, this is one of the smartest moves you can make

Dillan Kelly
Mortgage Broker
Dominion Lending Centres Mortgage Excellence
403-894-5818
[email protected]

🏆 Top 100 in Canada – Dominion Lending Centres 2025 🏆I’m incredibly proud to share that I finished 98th in all of Domini...
02/04/2026

🏆 Top 100 in Canada – Dominion Lending Centres 2025 🏆

I’m incredibly proud to share that I finished 98th in all of Dominion Lending Centres across Canada in 2025 for mortgages funded. With over 4,000+ agents nationwide, this is something I’m truly grateful for.

None of this happens without the trust and confidence of my amazing clients and referral partners. In 2025 alone, I had the privilege of helping 129 families with their home financing needs, and I don’t take that lightly for a second.

Thank you for choosing me, supporting my business, and trusting me with such an important part of your lives. It truly means everything. 🙏

Here’s to serving even more families in 2026 and beyond!

📞 Dillan Kelly
Mortgage Broker | Dominion Lending Centres Mortgage Excellence
📱 403-894-5818
🌐 dkmortgageteam.ca

01/28/2026

💳 Yes, having some debt is actually a good thing.

When lenders and mortgage insurers look at your credit, they want to see credit behavior, not just a tiny card or a phone bill.

What they really want to see is what I call the 222 Rule 👇
✔️ 2 credit lines
✔️ $2,000+ limit each
✔️ 2+ years of history

These can be:
• Credit cards
• Lines of credit
• Student loans
• Auto loans

You do not need to max them out. You just need access to the credit and to use it responsibly.

💡 Pro tip: Always keep your balances under 50% of the limit, even if you plan to pay it off in full.

Lenders are usually okay with 2 out of 3, but I always recommend aiming for all 3 so there’s no stress later.

It’s never too early to start. Even at 18 or 19, building credit properly now saves a scramble when you’re ready to buy.

Questions? Message me anytime.

Dillan Kelly
Mortgage Broker
Dominion Lending Centres Mortgage Excellence
Cell: 403-894-5818
Email: [email protected]

01/26/2026

The fastest way to boost your credit score (besides paying on time)? 👇

✅ Credit utilization
That’s how much of your credit limit you’re using on things like:
• Credit cards
• Lines of credit

If you’re constantly spending over 50% of your limit, your score can take a hit — even if you pay it off.

Example:
A $1,000 limit gets maxed out FAST these days… and lenders don’t love seeing high utilization.

🔥 Quick hack:
Increase your limit, but keep spending the same.
It feels backwards, but it’s one of the easiest ways to raise your score.

If you’re buying a home soon and want to get your credit in the best shape possible, message me anytime.

Dillan Kelly
Mortgage Broker
Dominion Lending Centres Mortgage Excellence
403-894-5818
[email protected]

Address

469 40 Street S
Lethbridge, AB
T1J4M1

Telephone

+14038945818

Website

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