403-510-1507

Welcome Andrea Galbraith

Taking care of your mortgage needs

Get your BEST rate and better mortgage fit thanks to our exceptional 5-star service. And watch your savings add up.

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Our Services

Great Mortgage Advice

Providing the best mortgage service & rates

Home Purchasing

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Home Refinancing

Mortgage Renewals

Andrea takes the time to understand her clients’ financial goals and guides them throughout the mortgage process with clear and consistent communication. Andrea also has excellent partners, realtors, lawyers and accountants that can also make the home buying process stress free. Andrea’s proactive approach and commitment to exceeding expectations make her a trusted partner in anyone seeking a seamless mortgage transaction.

We only select lenders that offer our client stability and value.

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Current Mortage Rates

Supplying Great Rates with Less Stress  

First home, next home, a vacation or income property? Get great advice to help make a sensible, safer and informed decision.
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Years of Experience

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FAQ

Difference

Why Work With Andrea

By prioritizing personalized service and offering a comprehensive range of options, Andrea aims to empower her clients to make informed decisions about their mortgage needs, ultimately helping them achieve their homeownership goals with confidence and financial security.
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What is a pre-approval and why is it important?

A pre-approval is a preliminary assessment by a lender to determine how much you can borrow and at what interest rate. It helps to understand your budget, strengthens your offer when buying a home, and gives you a competitive edge in the home buying process.

Start your pre-approval today.

What is the difference between a fixed rate and a Variable rate?

With a fixed rate mortgage, the interest rate remains constant throughout the entire term of the loan. This means your monthly principle and interest payments stay the same, providing stability and predictability. Even if market rates rise or fall. In contrast, with a variable rate mortgage, the interest rate can fluctuate over time based on changes in a specified financial index, such as prime rate. As a result your monthly payments may increase or decrease, depending on how interest rates change. Other factors such as amortization can also be impacted.

Contact me for advice on which is best for you.

What is the maximum mortgage amount I qualify for?

This question is common because understanding your borrowing capacity helps to determine your budget and narrow down your home search to properties that are within your financial means. It can also give you confidence when putting in your offer.

Connect with me to learn more.

Can I pay my mortgage off early?

Yes you can pay off your mortgage early by making additional payments or larger than required payments monthly. However some mortgages have pre payment penalties, so it is essential to review your loan terms. Many people review their investment portfolio’s annually. I recommend you also review your mortgage portfolio annually.

Let’s connect for that review today.

I am worried about my mortgage renewal?

Will I still be able to afford my home? It is essential to take proactive steps to assess your financial situation and explore your options. We can review your budget, assess mortgage terms and explore refinancing options. I would be happy to review this with you and provide advice.

Reach out today!

Depend on Great Service

Andrea takes the worry out of mortgages.

Home Purchases

Refinancing Options

Mortgage Renewals

My Clients Say…

Rob

Client

“Andrea was a joy to work with! She provided timely insights about mortgage rates and helped walk our children, who were first time buyers, through the entire process, ensuring that we all felt comfortable from start to finish. We highly recommend Andrea.”

P.R.

Client

“Because a sudden medical issue arose during the spring of 2024 I suddenly needed to move from my two-storey home to a condominium on one floor. Fortunately, my realtor recommended Andrea Galbraith to be my mortgage broker. Andrea went far beyond the extra mile to make all financial arrangements which were necessary for me to purchase a new home. While I was in the hospital and convalescing at home she visited me to gather information that was needed to retrieve necessary documentation, and she clearly explained to me all that she was doing to finalize the purchase of my new house. With deep gratitude I highly recommend Andrea Galbraith for her business acumen, integrity, resourcefulness and diligence, empathy and kindness, and her hard work on my behalf.

Words cannot express the depth of my appreciation for all that you have done for me. With thanks and warm wishes, in the hope that our paths will cross again.”

Cory

Realtor – The Martin Group

“Andrea Galbraith is a pleasure to work with as she treats my clients like family. She is hard working, honest, and always available which is vital to my clients success. When my clients need a knowledgeable, experienced mortgage broker, I recommend Andrea.”

A.S.

“Andrea was very professional and thorough in helping me find a mortgage at the best rate. She answered all of my questions, and I had quite a few, with knowledge and patience. She went above and beyond to see my mortgage through and I would not be a happy homeowner with out her. I’m so thankful that she was on my team when I needed her expertise.”

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Here to help advance your home ownership dream.

• 403-510-1507
• andrea@mortgagetree.ca

Andrea Galbraith

Mortgage Advisor

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Not ready to apply but have questions / need advice? Let’s chat!

Contact Andrea today for assistance.