Expert Mortgage Brokers in Calgary

At Clover Mortgage, we're your trusted Calgary mortgage broker, offering personalized solutions for your dream home. With years of experience in the Calgary mortgage market, we provide access to multiple lenders, ensuring you get the best mortgage rates.
Oakville  mortgage brokers

  • Are you struggling to find a mortgage with favourable rates and terms?
  • Worried about balancing mortgage payments with other financial goals?
  • Do you have a less-than-perfect credit score and fear you won't qualify?
  • Feeling overwhelmed by the complex mortgage process?

Your Mortgage Solutions Start Here

Say goodbye to mortgage worries with Clover Mortgage. Our Calgary mortgage brokers offer expert guidance, competitive rates, and tailored solutions for all credit types. We'll simplify the complex process, aligning your mortgage with your financial goals. Let us turn your homeownership dreams into reality – hassle-free and with confidence.

Our Mortgage Services

Residential Mortgages

From first-time homebuyers to seasoned property owners, we offer tailored residential mortgage solutions to suit your unique needs.

Home Purchase

Whether you're buying your first home or your dream property, our expert brokers will guide you through the entire purchase process.

Home Equity

Unlock the value in your home with our flexible home equity solutions, including second mortgages and home equity lines of credit.

Renovation and Construction

Turn your vision into reality with our specialized renovation and construction financing options, including private construction loans.

Non-Prime Mortgages

Don't let past credit issues hold you back – our non-prime mortgage options provide hope for those with less-than-perfect credit scores.

Commercial Lending

Fuel your business growth with our innovative commercial financing solutions, designed to meet the unique needs of Calgary entrepreneurs.

Unlock Your Perfect New Mortgage

Don't settle for less. Let us find the best lender to match your unique needs. Your ideal home financing solution awaits!

Get a free consultation today!

About Clover Mortgage

0 / 5
Average Rating
0+ years
of combined experience
Nearly $1 Billion
Mortgages Funded
2 weeks
Average Closing Time
Client Retention
Secure Process
Brokerage Alberta License LIC-00579125.jpg

Licensed and Trusted Mortgage Professionals

At Clover Mortgage, we take pride in our commitment to excellence and regulatory compliance. Our mortgage brokerage licence, issued by the Real Estate Council of Alberta, is your assurance of our dedication to ethical practices and professional standards. When you choose Clover Mortgage, you're partnering with a trusted, legally compliant mortgage brokerage that puts your interests first.

Meet Steven Tulman - Our Calgary Mortgage Broker

At Clover Mortgage, we're proud to have Steven Tulman, President & Principal Broker, as our licensed mortgage broker in Calgary. As the President & Principal Broker, Steven brings a wealth of experience and expertise to our clients.

Steven is our dedicated licensed mortgage broker serving the Calgary area. With his extensive background in finance and real estate, he offers exceptional service and expert guidance to all our clients. Steven's in-depth knowledge of the Calgary mortgage market allows him to navigate complex financial landscapes with ease, ensuring you receive tailored solutions that align with your unique needs and goals.

Message from the President

Why Choose Clover Mortgage

Unparalleled Expertise

Our team boasts years of experience in the Calgary mortgage market. We understand the local real estate landscape inside and out, giving you a significant advantage in your home-buying journey

Access to Multiple Lenders

We've cultivated relationships with numerous mortgage lenders, from major banks to credit unions and private lenders. This means we can offer you a wide array of mortgage products and rates, ensuring you get the best deal possible.

Personalised Approach

At Clover Mortgage, you're not just another client. We take the time to understand your financial goals and circumstances, tailoring our mortgage solutions to fit your specific needs.

Residential and Commercial Expertise

Whether you're buying your dream home or investing in commercial property, we've got you covered. Our brokers are well-versed in both residential and commercial mortgages, offering comprehensive support for all your real estate ventures.

Calgary Mortgage Market Insights

Current mortgage rates

Stay ahead of the game with our up-to-date Calgary mortgage rates, carefully curated from our vast network of lenders to ensure you're always getting the most competitive offers.

5 Year 4.49% 5.90%
4 Year 4.74
3 Year 4.79 6.00%
2 Year 5.24% 8.99% 10.99%
1 Year 6.19% 8.49% 10.99%
7 Year 4.89%
10 Year 6.10%

Market Trends

Navigate the dynamic Calgary real estate market with confidence using our expert analysis of current trends, helping you make informed decisions about your mortgage and property investments.

Your Financial Future Starts Here

Bypass big banks and explore smarter borrowing options. We'll protect your best interests while securing optimal terms for your property purchase.

Your perfect home awaits!

Our Mortgage Process

At Clover Mortgage, we've streamlined the mortgage process to make your journey to homeownership as smooth as possible. Here's how we work:

Free Consultation

We start with a no-obligation consultation to understand your financial situation and homeownership goals. Our Calgary mortgage brokers will answer all your questions and outline your options.

Mortgage Pre-Approval

We'll secure a mortgage pre-approval, giving you a clear budget for your home search and a competitive edge in Calgary's real estate market.

Home Search Assistance

Leverage our network of real estate professionals to find your dream home in Calgary. We'll guide you through property valuations and offer strategies.

Lender and Product Selection

Using our vast network of mortgage lenders, we'll find the best mortgage product tailored to your needs, ensuring you get the most favourable rates and terms.

Application Submission and Approval

We handle the paperwork, submitting your application to the chosen lender and advocating on your behalf for quick approval.

Closing and Funding

Our team works closely with real estate lawyers and other professionals to ensure a smooth closing process. We'll be there until the keys are in your hand.

Our Customers Love Us

Sandra F.
Sandra F.
I was in debt and needed help getting back on track. My mortgage agent at Clover Mortgage helped me get approved for a home equity loan to consolidate all of my debt in one small monthly payment. Now I’m saving over $1,000 a month in interest and am left with less debt and more money in my pocket at the end of each month. Thank you Clover!
David J.
David J.
I'm a self employed independent contractor. I earn a decent income, but when I went to the bank to refinance my home, they denied my application telling me that I didn't have enough "provable" income to qualify for refinancing my home. When I came to Clover I was almost out of hope. My Mortgage Agent at Clover was caring and professional, and help me get a great rate and flexible terms on full refinance. The whole process took less than 48 hours! I was impressed at how quickly and easily they were able to get me the money and home refinance I needed. Thank you Clover Mortgage, I'm recommending you to everyone I know!!
Andrea R.
Andrea R.
I had really bad credit, but really wanted to purchase a Condo. When I went to the bank they made me go through a lengthy application process that took weeks, and then they turned me down at the end of it all. When I found Clover Mortgage online, I called them and a friendly Mortgage Agent was able to help me get approved for a mortgage quickly and hassle-free. I got a good rate and now live in a home that I am comfortable in and am able to easily afford my monthly payments.
Ankur R.
Ankur R.
I definitely recommend Clover Mortgage to any new home buyer! They were very professional and helped my husband and I get mortgage for our new home at an even better rate than the bank was offering us. They also helped us get the mortgage with a smaller down-payment than the bank demanded from us. Since we did our mortgage with Clover, several of our friends and family members got their from them also, and Clover Mortgage has been able to help all of them, even the ones that were completely turned away and rejected by their banks.
Janet L.
Janet L.
My husband and I found ourselves in a tough situation. Luckily my expert mortgage broker at Clover Mortgage helped us get a fast and easy approval for an amazing rate for refinancing our home. Clover's service is the best I've ever experienced and I've been recommending them to all of my family members and friends ever since. Thanks for your help Clover!
Raj I.
Raj I.
I definitely recommend Clover Mortgage to any new home buyer! They were very professional and helped my wife and I get mortgage for our new home at an even better rate than the bank was offering us. They also helped us get the mortgage with a smaller down-payment than the bank demanded from us. Since we did our mortgage with Clover, several of our friends and family members got their from them also, and Clover Mortgage has been able to help all of them, even the ones that were completely turned away and rejected by their banks.

Calgary Mortgage Resources

First-time Homebuyer Guide

Embarking on your homeownership journey in Calgary? Our comprehensive First-time Homebuyer Guide is packed with essential tips and insights tailored for the Calgary market. From understanding mortgage pre-approvals to navigating closing costs, this resource will empower you to make informed decisions every step of the way. Don't miss out on this valuable information that could save you thousands on your first home purchase.

Mortgage Calculators

Make informed decisions about your Calgary mortgage with our suite of user-friendly calculators:

Unlock Your Calgary Dream Home Today

Skip the hassle of traditional lenders and discover tailored mortgage solutions. Let our expert broker guide you to the best rates and terms for your unique situation.

Start your homeownership journey now!


How can Clover Mortgage's expertise help me with my mortgage needs?

Our mortgage expertise allows us to connect you with various lenders and financial institutions, ensuring we find the best mortgage solution tailored to your specific needs. Whether you're a first-time buyer or looking to refinance, we leverage our industry knowledge to secure favorable terms and rates.

Can you help me understand my monthly mortgage payments?

Absolutely. We'll break down your monthly payments and help you understand all aspects of your mortgage, including principal, interest, taxes, and insurance. Our goal is to ensure your mortgage aligns with your financial goals and budget.

What if I have less-than-perfect credit?

Don't worry. We work with clients across all credit ranges. Our team can guide you through credit improvement strategies and connect you with lenders who specialize in working with borrowers who have credit challenges.

How does Clover Mortgage differ from going directly to my own bank?

Unlike your bank, we have access to a wide range of lenders, including banks, credit unions, and trust companies. This allows us to shop around for the best rates and terms, potentially saving you thousands over the life of your mortgage.

Can you assist first-time home buyers?

Yes, we specialize in helping first-time buyers navigate the complex world of mortgages. From explaining the application process to securing pre-approvals, we're here to guide you every step of the way toward owning your dream home.

How long does the mortgage application process typically take?

The timeline can vary, but we strive to make the process as efficient as possible. On average, from application to approval, it can take 2-3 weeks. However, we'll work diligently to meet any deadlines you may have for your home purchase.

Can you help me find a mortgage for my dream house?

Absolutely! We're committed to turning your homeownership dreams into reality. Our team will work tirelessly to find a mortgage solution that fits your dream house, whether it's a cozy starter home or a luxury property.