Trusted Partner

Calgary Mortgage
Broker

Finding the right mortgage is just as important as finding the right home. We've partnered with Al Zayat, BComm — a trusted Calgary mortgage professional — to help our clients get the best rates and financing strategy for their situation.

5%
Minimum Down Payment
120 days
Rate Hold on Pre-Approval
Free
No Cost to Use a Broker
Your Mortgage Partner

Meet Al Zayat

When you're buying a home in Calgary, your mortgage strategy matters just as much as the home you choose. That's why CalgaryListings Group works alongside Al Zayat, BComm — a Senior Mortgage Associate with deep experience helping Calgary buyers navigate rates, lenders, and financing options.

Al shops your application across multiple lenders to find the best rate and terms for your specific situation — whether you're a first-time buyer, self-employed, new to Canada, or moving up to a larger home. His goal is simple: get you the right mortgage at the right rate, with no surprises.

As a trusted partner to CalgaryListings Group, Al understands the Calgary market, works closely with our team throughout the buying process, and is known for being responsive, transparent, and genuinely focused on your best interests.

Ready to know your buying power? Getting pre-approved before you start searching for Calgary homes for sale puts you in a stronger position with sellers and gives you a clear, realistic budget. Al can typically get pre-approval done in 2–3 business days.

Get Pre-Approved
Al Zayat — Calgary Mortgage Broker
Al Zayat
BComm · Senior Mortgage Associate
Vibe Mortgage (formerly iSask Mortgage Brokers)
The Advantage

Why Use a Calgary Mortgage Broker?

Going directly to your bank means talking to one lender. Working with Al means accessing dozens — and letting an expert find the best fit for your situation.

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Access to Multiple Lenders

Al works with banks, credit unions, and private lenders — shopping your application to find the best rate and terms available for your profile, not just what one institution offers.

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Usually Free to You

In most cases, the lender pays the broker's fee once your mortgage is funded. You get expert guidance and rate shopping at no direct cost — and Al will always be transparent about compensation.

Faster Pre-Approval

Al knows what lenders want to see and how to present your application for the fastest, strongest approval. Most pre-approvals are completed in 2–3 business days.

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Complex Situations Welcome

Self-employed? New to Canada? Rebuilding credit? Al has experience navigating situations that banks often decline — and finding lenders who will work with your specific circumstances.

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Rate Hold Protection

Pre-approval locks in your rate for up to 120 days — protecting you if rates rise while you're searching for the right Calgary home. If rates drop, you get the lower rate.

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Works With Your REALTOR®

Al works closely with your Calgary REALTOR® throughout your purchase — coordinating timing, conditions, and financing so your deal moves smoothly from offer to possession.

How It Works

Getting Your Mortgage Done Right

Al makes the mortgage process straightforward. Here's what to expect from first call to funded.

1
Initial Conversation
Call, email, or apply online here. Al will learn about your situation, goals, and timeline — and give you a clear picture of what to expect before you move forward.
2
Document Collection
Al will tell you exactly what documents you need — income verification, employment confirmation, down payment proof, and credit consent. He keeps this process as painless as possible.
3
Lender Shopping
Al submits your application to the lenders best suited to your profile and negotiates on your behalf. You'll see the options and make the final call — no pressure, no surprises.
4
Pre-Approval in Hand
With pre-approval confirmed, you have a locked-in rate and a clear budget. Now you're ready to shop for Calgary homes for sale with confidence — and sellers will take you seriously.
5
Offer Accepted — Financing Condition
Once you've found a home and your offer is accepted, Al coordinates with the lender to fulfill your financing condition quickly — so you don't lose the property over delays.
6
Funded & Possession Day
Al works with your lawyer to ensure funds are in place for possession day. From first call to keys in hand — he's with you every step of the way.
Client Experiences

What Calgary Buyers Say About Al

★★★★★
"

I had an excellent experience working with Al as my mortgage broker. From start to finish, he was incredibly knowledgeable and guided me through every step with confidence.

Brittany DeMoneGoogle Review · 2026
★★★★★
"

Al made the whole process of getting a mortgage so smooth and stress free. Definitely the best mortgage experience we've ever had. We appreciate all that Al has done for us and will definitely use him again. Highly recommend him!

Vanessa BradleyGoogle Review · 2026
★★★★★
"

We had the pleasure of having Al as our mortgage broker, and I can't recommend him enough! He was super knowledgeable through out the process answering all our questions along the way.

Jordan WalkerFirst-Time Buyer · Google Review · 2026
Leave Al a Google Review
Common Questions

Calgary Mortgage FAQ

What does a Calgary mortgage broker do?+
A Calgary mortgage broker like Al Zayat shops your mortgage application across multiple lenders — banks, credit unions, and private lenders — to find the best rate and terms for your situation. Unlike going directly to your bank, a broker works for you, not the lender.
Is it better to use a mortgage broker or go directly to my bank?+
A mortgage broker typically has access to more lenders and better rates than a single bank can offer. They can also navigate more complex situations — self-employment, new to Canada, credit challenges — that banks may not accommodate. There is usually no cost to the borrower for using a broker.
How much does it cost to use a Calgary mortgage broker?+
In most cases, using a mortgage broker is free to the borrower. The broker is compensated by the lender once a mortgage is funded. Al will always be transparent about how he is compensated before you proceed.
How do I get pre-approved for a mortgage in Calgary?+
Contact Al Zayat directly at al@alzayat.ca or 403.870.6843, or apply online here. You'll need proof of income, employment verification, credit consent, and details on your down payment. Pre-approval typically takes 2–3 business days and locks in your rate for up to 120 days.
What is the minimum down payment to buy a home in Calgary?+
The minimum down payment in Canada is 5% for homes under $500,000, 5% on the first $500,000 and 10% on the remainder for homes between $500,000 and $999,999, and 20% for homes $1 million and over.
What is CMHC mortgage insurance and do I need it?+
CMHC mortgage default insurance is required when your down payment is less than 20% of the purchase price. The premium ranges from 2.80% to 4.00% of your mortgage amount and is added to your mortgage balance. Al can walk you through exactly what this means for your monthly payment.
Can I use the First Home Savings Account (FHSA) with a mortgage broker?+
Absolutely. Al is familiar with the FHSA and Home Buyers' Plan (HBP) and can help you structure your mortgage to make the most of these programs. The FHSA lets first-time buyers save up to $40,000 tax-free for a home purchase, and the HBP allows withdrawals of up to $60,000 from your RRSP.
What credit score do I need to get a mortgage in Calgary?+
Most lenders require a minimum credit score of 600–620 to qualify for a standard mortgage. A score of 680+ qualifies you for most competitive rate products. Above 720 typically gets you the best available rates. If your score needs work, Al can advise you on how to improve it before applying.

A Partnership Built on Honest Advice

CalgaryListings Group and Al Zayat share the same values — honesty, transparency, and putting clients first. Whether you're buying your first home or your fifth, we work together to make sure your financing and your property search are perfectly aligned.

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Free Resource

The Calgary Mortgage Guide

A plain-language guide to mortgages in Calgary — FHSA, CMHC, down payments, pre-approval, bridge financing, and what lenders actually look at. Prepared with Al Zayat.

Get the Free Mortgage Guide →
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Ready to find out what you can afford?

Connect with Al Zayat for a no-obligation mortgage consultation — or reach out to CalgaryListings Group to start your home search. Either way, you're in good hands.

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