“Mortgage Solutions for St. Albert and Surrounding Areas”
Expert financing from $800K to $3M+. Personalized, white-glove service from your local mortgage broker.
- Executive Properties
- Purchases
- Reverse Mortgages
- Fast Approvals
St. Albert Neighbourhoods We Serve
In the world of premium properties, we deliver concierge-level mortgage solutions that go far beyond cookie-cutter approvals. Real expertise, white-glove service, and tailored financing for St. Albert’s most discerning homeowners — from $800K executive homes to $3M+ estates.
Specialty Mortgage Programs for High-Net-Worth & Professional Clients
Extended Ratio Mortgage programs
Higher debt service ratios for strong-asset luxury buyers. Extended Ratio programs go beyond traditional 39/44% qualifications upwards to 60/60, allowing significantly higher ratios based on equity and other non-standard qualifiers. Effectively stretching your approval dollar further.
Stated Income and Self Employed income programs
Simplified qualification for self-employed & high earners, where traditional income documentation qualifications do not fit but the business owners can show adequate income/revenue vs expenses. If you are a self employed applicant, maybe this is a program for you.
Medical & Professional Programs Including Equity programs
Preferred rates for doctors, dentists, Professionals and High-Net-Worth clients & professionals. Many clients in the medical/professional field including CEOs, have compensation structures that may not fit standard lender guidelines. We have lenders that cater to these unique clients with special programs.
Current homes for sale in St. Albert & Edmonton
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Mortgage Services
Whether you're a first-time buyer, refinancing, or investing, we have the expertise to help.
First-Time Buyers
New to homeownership? We guide you through every step, from pre-approval to closing day. Get expert advice on down payments, mortgage products, and the entire buying process.
For purchase clients, I provide fully underwritten pre-approvals supported by documentation. This gives you a reliable purchase budget before you begin shopping.
Your qualification can change if you take on new credit—such as financing a vehicle, trailer, or boat—before your closing date. I will provide clear guidance on what to avoid during the process.
Refinancing & Renewals
Access equity to pay off debts or improve cash flow by refinancing. We help you explore refinancing options to achieve your financial goals.
And if your mortgage is up for renewal, Don't just accept your lender's renewal offer. We will shop around to find you the best mortgage solutions available. Life changes and we will help find the best program to suit your situation and cash flow.
Reverse Mortgages
Unlock the power of your home equity with a reverse mortgage—a flexible financial tool designed to support your retirement goals.
Enjoy tax‑free cash, no monthly mortgage payments, and the freedom to stay in your home while improving “long-term financial comfort. If you are considering gifts or support for family members using your home equity, I can guide you through the options.”
Investment Properties
Build your real estate portfolio with expert financing solutions. We can help you structure financing for your current investment property and future purchases while keeping cash flow in focus. We can also introduce you to some excellent financial planners that may be able to show you how to use equity in your home(via a new mortgage) to invest in retirement planning.
Where appropriate, I can introduce you to trusted financial-planning professionals. They can help you evaluate whether using home equity aligns with your broader investment or retirement strategy.
I then help arrange the mortgage financing based on the plan you develop with your accountant and/or financial planner.
What Our Clients Say
Real stories from real clients who achieved their homeownership dreams.
"Richard made the entire process so smooth and stress-free. He found us the best rate and answered all our questions. Highly recommended!"
M&S Johnson
First-Time Home Buyers
"As an investor, I needed someone who understood investment properties. Richard delivered exceptional service and got me approved quickly."
David C
Real Estate Investor
"When it came time to renew my mortgage, Richard shopped around and saved me over $3,000 per year. Worth every penny!"
Jennifer M
Mortgage Renewal Client
Ready to Explore Your Options?
Contact Richard Ferguson today to discuss your mortgage needs and find the perfect solution for your situation.
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ST. ALBERT MORTGAGES
Richard Ferguson-Mortgage Broker
Mortgage Architects, Team Borle 12728
Richard Ferguson-Mortgage Broker
Mortgage Architects, Team Borle 12728
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Contact
- 1-825-995-5363
- richard.ferguson@mtgarc.ca
- 12 Hebert Rd, St Albert AB
- 1-825-995-5363
- richard.ferguson@mtgarc.ca
- 12 Hebert Rd, St Albert AB
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