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Calgary Mortgage Broker

Proven Strategies, Competitive Rates, Consistent Track Record. Getting Calgary to Mortgage Freedom Faster!

Tim Lacroix: offering the lowest Mortgage rates in Calgary

Bank or Mortgage Broker? What’s better for you and your family?

The difference between working with a bank or other lending institution and working with Tim Lacroix, is like the difference between ordering from the menu or from a buffet. The benefit from the cost savings is obvious. Brokers have access to a multitude of lenders with competitive rates and different risk tolerances. Your situation is unique, whether you are a first time home buyer, self employed, or a new comer to Canada. Certain strategies and lenders will yield smaller payments and more impact on your principal. By freeing yourself from the limitation of a single product or institution, you open up an entire universe of possibilities in managing your largest and most important investment in the way that works best for you, not for them. Why buy a suit off the rack when you can wear a ‘made to measure” for the same or less price? Why purchase over the counter mortgages when we can set you up a solution that fits your current and future lifestyle perfectly. If you’re shopping for a mortgage solution in Calgary, consider my team. We win when you win. Call us today at 403.648.1541.

Calgary Mortgage Broker

meet calgary mortgage broker

Whether it be as a Marine Engineer in the Canadian Military or as an Executive Consulting for Fortune 500 companies, Tim Lacroix has always focused on delivering an OUTSTANDING client experience. In his current position as a Financial Wellness Coach and Accredited Mortgage Professional (AMP), Tim has quickly become one of the most successful and highly respected experts in his industry. The secret to Tim's success is attributed to the community of experts he has established which he leverages to empower his clients.

Tim Lacroix

Owner / Mortgage Broker

Gaelen Gerard

Service Manager / Associate

Colton Peters

Service Manager / Associate

Shaunna Thomas

Funding / Loyalty Manager

My Mortgage Brokering Services:


First Time Home Buyer

Buying your first home can be an overwhelming experience. With so many factors to consider the task ,…

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Mortgages for Self-Employed and Entrepreneurs

Though being self employed can offer many advantages it can make it difficult to apply for a mortgage. To help break…

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Mortgage Renewals

When the time comes to renew your mortgage, following the herd is not good practice – instead, it’s the ideal time…

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Newcomers to Canada

Welcome to Canada! We understand that moving to a new country can be daunting, and we want to help you settle into your…

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Home Equity Lines of Credit

Most of us want to avoid going into debt, but sometimes it is necessary. Maybe you are investing in your child’s…

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No Down Payment Mortgage Solutions

Home ownership should be attainable for everyone, but sometimes it can be difficult. Though a down payment can seem…

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Mortgage Articles

Understanding your credit score
Understanding Your Credit Score

One of the most important aspects of your financial well being is your credit. In order to make any major purchases in your lifetime, such as a home, you will need to have a good credit history…

Tim Lacroix - Featured Image
On March 17, Mortgage Insurance Premiums Will Increase

Mortgage Insurance is designed as a safe guard for your mortgage in the event that you cannot make your payment. If you cannot provide a 20% down payment…

Tim Lacroix - RRSP
RRSP: Registered Retirement Savings Plan Season Is Here!

We are half was into the first 60 days of the year and it’s time to think about contributing to your RRSP. You have until March 1st, 2017 to reduce your 2016 income and get a higher tax refund…

How To Get A Mortgage While Being Self-Employed in Canada

Being self-employed should not be a barrier to getting a mortgage. With mortgage rules being tightened at banks the last few years, getting a mortgage is a lot harder- especially self-employed mortgages…

How to Purchase a Home – from Mortgage to Possession

There are many steps involved in purchasing a home, which makes it a daunting experience. Whether you are purchasing your first home or you haven’t purchased a home in long while, you might be wondering where to start. This is why we have developed a step-by-step guide on how to purchase a home…

Calgary’s First-Time Home Buyers Need to Rethink their Strategy

First-time home buyers in Canada have been forced to rethink their plans with the new mortgage rules in place. With the new rules, it’s more difficult to qualify for a mortgage and get the home you want, which is why you need an experienced mortgage broker now more than ever. First-time buyers are heavily affected…

Mortgage Broker Tim Lacroix Mortgage Broker Tim Lacroix