Your Trusted Calgary Mortgage Broker.

My mission is to empower my clients with personalized, professional, and transparent mortgage services, ensuring you achieve your homeownership dreams with confidence and ease.

Couple signing mortgage broker documents.

Your Most Trusted Mortgage Professional

After enjoying a successful 15 year career as a Financial Advisor, I decided to also become a Mortgage Advisor back in 2013. Helping people with their finances is the one passion that has given me the greatest professional satisfaction. In helping people with obtaining their mortgages I discovered I had an affinity for it and became so busy that I had to make the choice between being a Financial Advisor and a Mortgage Advisor. I think you know which one I chose!

Part of the role of a good mortgage professional in Calgary, AB is to look at the big picture and determine what is best for you, the client. It's all about knowing the market and giving all the options to find your best solution. I provide my services in Calgary and all across Alberta. I also have access to provide my services in most of the other provinces as well.

Broker Advantage

I work for you, not the bank. Discover all your options today, at no cost to you.


Complete an online application, and a licensed Mortgage Expert will help determine your maximum purchase price. This way, you'll be prepared when that perfect home pops up!

Young person doing their mortgage application online.
Happy family buying their first home with a mortgage broker.

Ready To Buy

Found a home and ready to get fully approved? We're here to assist you right away with quality service and fast approvals. With access to numerous lenders, we can help secure the best rate and product for you!

Access Equity

Considering tapping into your home's value for some extra cash? Leveraging your home equity is a smart way to bring together debts or secure funds for significant purchases or expenses. Dive in to learn more about the possibilities!

Using the purchase plus improvement program to renovate your home.
Exploring your options and best interest rates at mortgage renewal time with a mortgage broker.

Renewal Options

If your mortgage is up for renewal in the next six months, now's the time to explore your options. While your lender will send a renewal offer, we can also explore the market to find you a better interest rate or product. Let's make sure you're getting the best deal possible!


Frequently Asked Questions

What is a pre-qualification?

A pre-qualification is when you provide generalized information to a lender or online calculator, without the information being confirmed, and receive an estimated max purchase price.

What is a pre-approval?

A pre-approval is when a qualified mortgage professional reviews the information provided, such as your mortgage application, income & down payment documents, along with verifying your credit bureau to provide you with a more accurate max purchase price.

What is an approval?

After you have an accepted offer to purchase your dream home, your Mortgage Broker will submit your information to a lender. Once the lender reviews & confirms all the information provided, they will provide you with a full approval.

How much can I qualify for?

If you're buying an owner-occupied property, you may be eligible to put as little as 5% down. It's important to note that while the minimum down payment is 5%, you still need to qualify for the total mortgage amount, which is based on your income and debts. Keep in mind that the rules change for a purchase price above $500,000. In such cases, you will require 5% on the first $500K and 10% on the remainder (up to $1M). For homes over $1M, a minimum of 20% down is required. If you're purchasing a rental property, a minimum of 20% down is also necessary.

Should I got with a variable or fixed rate mortgage?

Choosing between fixed and variable rates? A fixed mortgage offers stable payments over a set term, ideal for budgeting. Yet, consider penalties and your long-term goals. Variable rates fluctuate with Prime, great in falling rates, riskier in rising markets. Guarantee consistency with a fixed rate for staying put, explore variable for flexibility. Connect with our experts for guidance!

What is a co-signer?

A co-signer is usually added to your application when you don't qualify for a home on your own. Their income and debts are included to assess if it enhances your overall approval. When someone co-signs, they become part of the mortgage title and documents. This new mortgage debt reflects on their credit bureau, potentially affecting their future credit score and loan affordability.

Contact Us

(403) 703-3694

101, 6420 6A Street SE, Calgary, T2H2B7

Copyright © 2024 Gea Gillies - Mortgage Professional.
All rights reserved.

Gea Gillies
Mortgage Professional

Your Mortgage Needs