What Calgary clients say

As I had previously only gone through my bank for my mortgage, I was hesitant at first to go through a mortgage broker. However, after contacting Josh, who explained all of my options in detail, I felt very comfortable with my choice. He was able to answer all of my questions and was very quick to respond to any of my inquiries. We received a great rate and were extremely happy with Josh's services.

I have worked with Josh for 10 years now and he has made our mortgage process very comfortable, which can sometimes be overwhelming. His professionalism, promptness in getting back to us whether by phone or e-mail, and overall industry knowledge provides comfort that we are in good hands. He is very open and honest, is not pushy, and offers the best solution that fits our needs. People say you need a good lawyer — I say you need a good mortgage broker, and Josh is your guy.

I went looking for a mortgage broker in Crowfoot and contacted Josh. My situation was complicated by the oil crisis: I had a second mortgage based on an assessment from the previous year that valued my home higher than the current assessment, so I no longer had 20% equity. Josh got both mortgages rolled into one with 0.2% less interest than CIBC's four-year offer — and I got that for five years. Really pleased with the result.

I've had the pleasure of working with Josh on three occasions: my first mortgage four years ago, then about a year later to switch from variable to fixed, and again this fall on my renewal. My experiences have been as good as it gets. Not only did I get the best rates out there, Josh is very knowledgeable and a really nice guy. He even called me back while he was at a lake on vacation — for something that easily could have waited. To me that said a lot.

I am a middle-aged father of two and I work for the government. Before now, my wife and I had bought two houses through one of the big banks, so I have grounds for comparison. My experience with the banks was nothing to write home about — they always acted like they were doing me a favour. Not only did you completely exceed my expectations each time, you used a combination of experience and knowledge to find solutions to my unique circumstances.

I was a first-time home buyer and was a little overwhelmed by all that needed to be done. Josh was very patient, efficient and reassuring along with highly professional. I always felt informed on each step, comfortable asking the many questions I had, and it made the entire process of purchasing my condo an effortless and rewarding experience.

I was self-employed in 2010, so it was very difficult for me to get a mortgage. You made it possible, and this year again. You were always friendly and passionate, full of knowledge and a master in mortgages. My English was very limited, but you took the time and explained it at my level.

Josh did not try to sell me a one-size-fits-all mortgage, but instead worked with me to find the terms and conditions I am comfortable with. I found it refreshing to work with someone who values honesty and integrity as I do.

We are a young professional couple who were in the process of purchasing our first home. We were unclear on the process and unsure what type of mortgage would work best for us. Josh was very clear and straightforward, explaining not only our different options but what each would mean for us in both the short and long term. The level of service and amount of information given absolutely exceeded our expectations.

Tamar at Mortgages For Less helped me find a suitable mortgage as a new Canadian. I have minimal credit history, with good credit built in the USA. Tamar knew exactly what was required, was extremely responsive and gave excellent advice, resulting in me being able to purchase the ideal property.

Tamar took the time to listen to our needs and made sure we got what we wanted. She was always available when I had questions, and I could not recommend her enough. I had been told by another broker we would not get approved for anything near what we wanted — but she got it done. I would give her 10 stars if I could.

My husband and I wanted to combine our two mortgages into one and get a better rate. We had wasted over a month with another broker who gradually petered out, totally unable to help. Josh became our primary broker and always kept good communication. Our situation was not straightforward, but he had creative ideas and no matter what we presented, he was able to pull it together for us.