Licensed in Alberta & Ontario
A mortgage built around your life, not the other way around.
Your mortgage is one of the biggest financial decisions you'll make, whether you're buying, refinancing or renewing. My job is to make it feel calm and clear, even when life is anything but. I'm Adam Mansbridge, a Calgary-based mortgage broker licensed in Alberta and Ontario. I lead a small, hand-picked team, so every detail is covered and nothing slips through the cracks. You'll understand every recommendation we make, and I'll still be in your corner long after closing day.
Adam Mansbridge
Partner, Mortgage Professional at Mortgage Connection
Licensed in Alberta and Ontario
Quick payment estimate
Estimated payment
$0 /month
Canadian fixed-rate math, semi-annual compounding.
Run the numbers
A calculator that uses real Canadian mortgage math.
Semi-annual compounding, mortgage default insurance worked out from your down payment, and your term kept separate from your amortization. Change anything and it updates as you type.
How I help
Whatever stage you're at, I'm here to be your guide.
These are the situations I see most often. If yours isn't here, it's still worth a conversation.
Buying a home
Pre-approval that holds up when you're competing on an offer, and a rate hold while you shop.
Learn more →First-time buyers
Minimum down payment rules, the First Home Savings Account, and the Home Buyers' Plan from your Registered Retirement Savings Plan, walked through step by step.
Learn more →Renewals & switches
Your lender's renewal letter is an opening offer, not a final one. I'll tell you if it's worth moving.
Learn more →Refinancing & equity
Consolidating higher-interest debt, funding a renovation, or freeing up equity, with the penalty math done first.
Learn more →Self-employed & new to Canada
If your income doesn't fit a T4 box, there are lenders who understand that. I know which ones.
Learn more →Rentals and investment
Buying a rental, or holding a few doors. I'm not the broker for flips or large portfolios, and I'll tell you early if that's what you need.
Learn more →Moving up or downsizing
Selling one home and buying the next. You may be able to take your current mortgage and rate with you, which can save you a lot.
Learn more →Protecting the mortgage
Optional coverage built around the mortgage itself, so the home is looked after if something happens to you. I'll explain what it does and what it doesn't, then you decide.
Learn more →The process
Four steps, and you always know which one you're on.
It moves as quickly as you need it to. If you're racing a possession date, I'll match that. If you're six months out and thinking ahead, that's fine too.
A call
We talk first. What you're hoping to do, what's on your mind, and what your timing looks like. Nothing to prepare.
Documents and review
One secure online application, then a short list of documents. I tell you exactly what I need, not a generic checklist of forty things.
My recommendation, and why
I come back with a recommendation and the reasoning behind it, and I'll walk you through it properly, on a call or a short recorded video you can replay. You'll know where you stand, what happens next, and why this lender is the right one for you.
Funding, and every year after
I coordinate with your lender, your lawyer and your real estate agent through to funding. After that I'm still here: through every renewal, every question, right up to the last payment you make on the mortgage.
Why a broker
I make mortgages feel calm, clear and human, even when life isn't.
Access to lenders is the easy part of this job. Knowing which one behaves well when your life changes is the rest of it.
A branch advisor has one shelf and a rate their employer has already decided on. I'm not tied to a single lender, so I get to choose. That's the difference people focus on when they compare a broker to a bank, and honestly it's the least interesting part.
Here is what I'm actually weighing. Lenders calculate the penalty for breaking a term in very different ways, and on a five year fixed the gap between the best method and the worst one can run into five figures. Some let you raise your payment or put down a lump sum every year. Some barely let you do either. Some let you carry the mortgage to your next home without penalty. Some will charge you for the privilege of moving house.
None of that shows up on a rate comparison site, and all of it is worth more than a tenth of a point when life doesn't go to plan. So I start from what you need this mortgage to do over the next five years, then work back to the lender that does it well.
If your file needs to go to an alternative lender, I'll tell you plainly why, what it costs, and what the plan is for moving you back to a regular lender when you're ready. Nobody should end up somewhere expensive without a way out of it.
On most residential mortgages the lender pays me once your mortgage completes, so my guidance costs you nothing. If a file does carry a fee, and that is rare, you'll have the exact number in writing before anything moves forward.
Clients
What people say
In their words, from Google.
★★★★★There are honestly no words for my gratitude to Adam in navigating our mortgage. From guidance about an upcoming renewal, down payment strategies, pre-approval for a new construction, and finally closing up the new mortgage, Adam was a wealth of knowledge the whole way through. He was always available to answer our questions and to explain our options and the process. I feel like I barely even had to think about securing the mortgage, knowing that Adam was on top of it every step of the way. Not only that, but Adam was friendly and personable, which made us feel incredibly comfortable even when discussing all the nitty gritty details of our finances.
★★★★★Adam was very informative and patient in the process of buying our first home. Him and his team were very fast in getting the mortgage process completed during our very short closing period. We would recommend his services, he was able to get us a very good rate!
★★★★★Dealing with Adam was a pleasure in every way. He made the task of our mortgage renewal quick, easy, and smooth. All details were taken care of and took very little effort on our part. Communication was great and we were informed of every step as we went along the process. I would use Adam again without question. Highly recommended.
★★★★★Adam was fantastic to work with on securing a mortgage for our home purchase. He was knowledgeable, professional, and available to answer any questions we had. His attention to detail was very much appreciated. I would highly recommend you reach out to Adam for any of your mortgage needs!
Questions
The ones I get asked most
What does it cost to use a mortgage broker?
On the large majority of residential mortgages, nothing. The lender pays a commission when your mortgage funds, and that doesn't come out of your rate or your loan. A small number of files, usually alternative lending, do carry a broker fee. If yours is one of them, I'll tell you the exact amount in writing before you commit to anything.
What's the difference between my term and my amortization?
Your amortization is how long it takes to pay the mortgage off completely, commonly 25 or 30 years. Your term is how long your current contract with this lender lasts, usually one to five years. At the end of the term you renew, and the rate resets. It's one of the biggest differences between the Canadian and American systems, and it's why the renewal conversation matters so much here.
How much do I need for a down payment?
In Canada the minimum is tiered by purchase price: 5% on the first $500,000, 10% on the portion between $500,000 and $1.5 million, and 20% on any home priced above $1.5 million. Below 20% down, your mortgage must be insured, and the insurance premium is added to your mortgage balance. The calculator on this site works all of that out for you.
Will shopping around hurt my credit score?
Not the way people fear. I pull your credit once and use that single report with multiple lenders. Credit bureaus also treat mortgage inquiries made within a short window as a single shopping event. The thing that actually hurts is applying separately at several banks over several months.
What is the stress test, and does it still apply to me?
Federally regulated lenders qualify you at a higher rate than the one you'll actually pay. It is generally the greater of your contract rate plus two percentage points, or 5.25 per cent. It means you're approved for less than your payment alone would suggest. The rules around switching lenders at renewal have changed in recent years, so whether it applies to your situation depends on the specifics. Ask me and I'll tell you where you stand.
How long does a pre-approval last?
Typically 90 to 120 days, depending on the lender, and it holds a rate for you over that window. If rates rise while you're shopping, you keep the held rate; if they fall, you generally get the lower one. If your search runs long, I'll re-issue it rather than let it lapse while you're mid-search.
Let's make this simple.
Start your application whenever you're ready, or book a call first if you'd rather talk it through. No pressure either way.