Alberta Home Loans Inc.
Alberta Mortgages

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Jason Pelletier
Senior Mortgage Consultant
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Work Phone: 1-877-568-0929

Posted Rate	Term	Our Rates*
4.65%	6 Months	4.45%
3.30%	1 Year	2.60%
3.55%	2 Years	3.04%
4.10%	3 Years	3.39%
5.04%	4 Years	3.64%
5.39%	5 Years	3.84%
5.80%	6 Years	4.65%
6.45%	7 Years	4.85%
6.60%	10 Years	5.19%
2.75%	5 Years Adjustable	2.05%

*Rates are subject to change without notice.
*Conditions Apply
*OAC

Refinance Your Property

Mortgage refinance is becoming a popular financial remedy, especially for those who are burdened by large monthly installments or multiple debts. Mortgage refinance can prove beneficial in several ways:

Helps obtain a lower fixed rate
The interest on a fixed rate mortgage that you took several years ago may have dropped drastically. Refinancing the existing mortgage will entitle you to avail of the reduced interest rate.
Convert an Adjustable Rate Mortgage into a Fixed Rate Mortgage
The interest rates on an adjustable rate mortgage (ARM) might be low initially, but the fluctuations are unpredictable. Many find these constant variations in the interest rate taxing and prefer to refinance the mortgage into a secure, fixed rate one.
Consolidating multiple mortgages into one
Paying the installments of two or more mortgages at the same time can be quite a burden for most individuals. The best solution in this case is to consolidate the multiple mortgages into one, with a fixed monthly interest rate and a longer repayment duration.
Pay off other debts
The proceeds from your refinanced mortgage can be used to pay off credit card bills and other similar expenses. Lowering your monthly commitments, putting extra funds into your pocket monthly!
Make cash provisions for emergency situations
You can refinance your existing mortgage to free a larger amount of cash, depending on your home equity. Since a mortgage is a secured loan, the interest applied is considerably lower than that of an unsecured loan.

Alberta Home Loans Inc. helps you decide whether it is the right time for you to refinance. The decision to refinance should be carefully evaluated to avoid any complications at a later stage. By carefully studying the status of your current mortgage and comparing it to your income and other debts, we help you pick the refinance solution that best suits your current financial status.

Alberta Home Loans Inc. offers some of the lowest and most competitive mortgage refinance rates in the market. Regardless of your requirement, whether it is to consolidate existing mortgages or obtain a better rate, we get you the best deal possible. Our experienced mortgage professionals, who have extensive knowledge of the mortgage industry, will provide the necessary guidance that you need in making the right refinance decision

Mortgage Details

Purpose/Type of Loan:*		Value of Home:*
Mortgage Amount Required:*		Funds Required On:
Down Payment:		Credit Confirmation:
Do you have a real estate agent?:

Primary Applicant

Personal Information
First Name:*		Last Name:
Email:*		Marital Status:
S.I.N:		Age:
Date of Birth:		Phone Number:*
Address Info
Present Address:		City/Town:
Province:		Postal Code:
Residential Status:		Mortgage Payment/Rent:
How Long at Present Address:
Previous Address
Employment Information
Current Employer:		Position:
Occupation Type:		Industry Sector:
How Long at Present Employment:	(Years)	Phone:
Monthly Income:		Employer Address:
Years in Line of Business:		Type of Income:
Other Income Source:		Other Income Amount:

Co-Applicant

Personal Information
First Name:		Last Name:
Marital Status:		S.I.N:
Phone:		Age:
Date of Birth:
Address Info
Present Address:		City/Town:
Province:		Postal Code:
How Long at Present Address:
Previous Address
Employment Information
Employer:		Position:
Occupation Type:		Industry Sector:
How Long at Present Employment:	(Years)	Monthly Income:
Phone:		Employer Address:
Years in Line of Business:		Type of Income:
Other Income Source:		Other Income Amount:

Property Information

Unit #:		Street
City		Province:
Postal Code:		Property Age:
Type:		Dwelling Style:
Livable Area:	Units:
Lot:	Width: X Depth: Units:
Garage Type:		Garage Size:
Estimated Property Taxes:		Estimated Monthly Heating:
Estimated Monthly Condo Fees:		Occupied By:

Financial Information

Assets
Type	Where/Financial Institution(s)	Amount / Value
Cash Savings Cash in Bank Supply the Bank and branch of your main bank account. Add the total of all your bank accounts together for the Amount/Value box.
Deposit on property being purchased (if applicable)			Deposit on Property If you have made an offer for a house, this is the amount you included with the offer. This is not the down payment amount.
Automobile Present Value			Automobile Present Value Include year, make and model as space permits. Add the total value of all your cars together.
Value of Present Home (if owned)			Value of Present Home Location; value of current residence.
Stocks, Bonds, Mutual funds etc.			Stocks, Bonds, Mutual funds (Eg. Stocks 20%, Mutual Funds 30%, Bonds 50%). Add together to show total value.
RRSP's			RRSP's List institutions (or self directed) and add together for total value.
Others			Others Household goods, art collections, etc.
	Total Amount:

Liabilities
Type	Where/Financial Institution(s)	Balance Owing	Monthly Payment	Help
Debts / Loans				Debts / Loans Name lenders (as space permits); provide combined balances and payments. Exclude car loans and credit cards.
Credit Cards				Credit Cards Name credit card issuers/types (Royal Visa, National Bank M/C, Shell, Amex, etc.). Provide the combined balances and the combined minimum monthly payments.
Owing on Automobile				Owing on Automobile Name car loan lender(s); provide combined balances and combined monthly payments. If a leased vehicle, enter only the lease payment and omit "amount owing"..
Amount owing on current mortgage(s) - 1				Amount owing on current mortgage(s) - 1 Briefly name the mortgage priority (1st, 2nd etc) of the main mortgage; the mortgage lender's name; property (if other than principal resident); and provide the balance and payment (principal and interest portion only).
Amount owing on current mortgage(s) - 2				Amount Owing on Current Mortgage(s) Briefly name the mortgage priority (1st, 2nd etc); the mortgage lender's name; the property (if other than principal residence); and provide the balance and payment (principal and interest portion only). Combine balances and payments together here, if necessary.
No. of Current Mortgage(s)				No. of Current Mortgage(s) Please enter the mortgage reference number(s) assigned to your file by your current lender(s), if readily available. You will probably find it on any mortgage renewal forms, annual statements, or other correspondence from them.
Finance company loans and other debts				Finance company loans and other debts Supply the Bank and branch of your main bank account. Add the total of all your bank accounts together for the Amount/Value box.
Alimony / Child Support				Alimony / Child Support Enter gross monthly payment only.
Total:
Net Worth (Total Assets - Total Liabilities):

Additional Comments

Privacy Statement

I/we warrant and confirm that the information given in the mortgage application form is true and correct and I/we understand that it is being used to determine my/our credit responsibility. You are authorized to obtain any information you may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide you with such information.

I/we also understand that the information given in the mortgage application form as well as other information you obtain in relation to my credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technological or other support services required in relation to this application and any other parties with whom I/we propose to have a financial relationship. Online Applications Please read the paragraph above prior to sending completed application.

By transmitting the online mortgage application you are accepting the terms of the paragraph noted above.

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Refinance Your Property

Mortgage Details

Primary Applicant

Co-Applicant

Property Information

Financial Information

Cash in Bank

Deposit on Property

Automobile Present Value

Value of Present Home

Stocks, Bonds, Mutual funds

RRSP's

Others

Debts / Loans

Credit Cards

Owing on Automobile

Amount owing on current mortgage(s) - 1

Amount Owing on Current Mortgage(s)

No. of Current Mortgage(s)

Finance company loans and other debts

Alimony / Child Support

Additional Comments

Privacy Statement