Legal Resources

Recommended Lawyers

Balance Mortgages has access to top rated legal resources for every question concerning your mortgage. You can be certain that we are well versed in the legal side of dealing with building trades, licenses, permits and other areas. When we have issues in these areas, we call in those we trust.

Rosellina I. Giardino

Address:
Giardino Law
Suite 218, 10113 104th Street
Edmonton, Alberta T5J 1A1
Tel: 780.473.7779
Fax: 866.869.1179
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Howard Goldford

Address:
Goldford Law Office
200, 10735 107th Avenue
Edmonton, Alberta T5H 0W6
Tel:780.482.1000
Fax:780.482.0963
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Mark E. Hillenbrand

Address:
Hillenbrand Kozicki LLP
201, 2520 Ellwood Drive SW
Edmonton, Alberta T6X 0A9
Tel: 780.801.0600
Fax:780.801.0601
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Linda L. Wright

Address:
Laurier Law Office
8623 149th Street
Edmonton, Alberta T5R 1B3
Tel: 780.486.0207
Fax: 780.483.0848
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Peter B. Mason

Address:
Peter B. Mason
Professional Corporation
213, 4918 Roper Road
Edmonton, AB T6B 3T7
Tel:780.908.6721
Fax: 780.809.2324
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Robert A. Engels

Address:
Anderson Haak & Engels
102, 9811 34th Avenue
Edmonton, Alberta T6E 5X9
Tel: 780.413.1763
Fax: 780.413.1734
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Rosellina I. Giardino

Address:
Giardino Law
Suite 218, 10113 104th Street
Edmonton, Alberta T5J 1A1
Phone: (780) 473-7779
Fax: (866) 869-1179
Visit Website

Howard Goldford

Address:
Goldford Law Office
200, 10735 107th Avenue
Edmonton, Alberta T5H 0W6
Phone: (780) 482-1000
Fax: (780) 482-0963
Visit Website

Mark E. Hillenbrand

Address:
Hillenbrand Kozicki LLP
201, 2520 Ellwood Drive SW
Edmonton, Alberta T6X 0A9
Phone: (780) 801-0600
Fax: (780) 801-0601

Ronald W. Poitras

Address:
Ronald W. Poitras Professional Corp
300, 10209-97th Street
Edmonton, Alberta T5J 0L6
Phone: (780) 424-3270
Fax: (780) 429-2615
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Gavin Millan

Address:
Ogilvie LLP
1400, 10303 Jasper Avenue
Edmonton, AB T5J 3N6
Phone: (780) 421-1818
Fax: (780) 429-4453

Robert A. Engels

Address:
Anderson Haak & Engels
102, 9811 34th Avenue
Edmonton, Alberta T6E 5X9
Phone: (780) 413-1763
Fax: (780) 413-1734

Peter Semonick

Address:
Lovatt LLP
11115 Groat Road
Edmonton, Alberta T5M 4E3
Phone: (780) 482-3405
Fax: (780) 488-3738

Start Your Mortgage Application Today

Term	Discount Fixed	Variable	Posted Fixed
1 Year	2.69%	-	3.59%
2 Year	2.69%	-	3.74%
3 Year	2.69%	2.99%	3.89%
4 Year	2.69%	-	3.94%
5 Year	2.64%	2.90%	5.19%
7 Year	2.99%		5.80%
10 Year	3.04%	-	6.10%

Term

Discount Fixed

Variable

Posted Fixed

1 Year

2.69%

3.59%

2 Year

2.69%

3.74%

3 Year

2.69%

2.99%

3.89%

4 Year

2.69%

3.94%

5 Year

2.64%

2.90%

5.19%

7 Year

2.99%

5.80%

10 Year

3.04%

6.10%

Term	Fixed Rate	Variable Rate	Special Rate
6 Month	-	-	-
1 Year	-	-	-
2 Year	-	-	-
3 Year	-	-	-
4 Year	-	-	-
5 Year	-	-	-

Term

Fixed Rate

Variable Rate

Special Rate

6 Month

1 Year

2 Year

3 Year

4 Year

5 Year

Balance Mortgages Inc.

5.0

Yodit Damte

22:52 06 Nov 19

Cynthia and Edward both amazing ,very personalized and caring persons From the moment I met them, they were extremely welcoming, knowledgeable and made me feel comfortable. Always available to answer any question I had and guided me through the entire process and made me feel confident. Cynthia and Edward get me the best rate and support me through the on boarding process with the new lender. For their great work I would give more than Ten star rating if that option. I can’t thank them enough. Yes I 100% recommended to anyone looking to get mortgage go with them.read more

Kat Halushka

19:08 17 Sep 19

Cynthia was the kindest and most thorough mortgage specialist I have ever worked with. She took the time not only to explain the terminology to me in the way I could understand it but also create some tools for me to prepare for my renewal. She took the time to hear me out on every level and answered all of my concerns. I couldn't wish for a better person to sit down with. I highly recommend Cynthia! Sit down with her and you will know why.read more

Darren Coleman

18:18 18 Jul 19

Edward Cherie helped my wife and I to buy our first home. I really appreciate the dedication and amazing service from Edward. I highly recommend Edward to anyone who is looking to buy a house and needs a broker. He is the best. Thanks Edward for everythingread more

Cristina Hipkiss

21:22 15 Jul 19

Working with Ed and Cynthia has been the most wonderful experience. They are friendly, incredibly knowledgeable and have the best recommendations. I highly recommend Balance Mortgages to everyone and will most definitely use them again. Ten stars.read more

Nathaniel Schick

21:57 10 Jul 19

We recently bought our first house through Balance Mortgages. Ed & Cynthia were excellent to deal with and helped us get through the mortgage process with patience and understanding of circumstances. Because I'm self-employed, there were challenges in getting my income proven. Ed worked with me and my accountant to get everything needed in a timely manner. He helped the mortgage companies understand our situation and we credit both him & Cynthia with getting us an awesome mortgage rate that fit our exact needs. I highly recommend Balance Mortgages and will tell anyone who will listen about them.read more

Jessica Jefferys

18:49 10 Jul 19

Cynthia and Ed are the absolute best in the industry! My fiancé and I were buying a fixer-upper and wanted to roll our renovation costs into the mortgage. We had done our research ahead of time but and Cynthia and Ed were able to find an even better option than we thought possible! We were under tight timelines to get the mortgage approval and they went above and beyond for us to make it happen. They are incredibly knowledgeable, professional and were a pleasure to work with. I definitely recommend them!read more

Jennifer Saunders

04:52 10 Jul 19

Edward and Cynthia were an absolute pleasure to work with. They went the extra mile to make my first house purchase as smooth and easy as possible. I cannot recommend their mortgage services enough!read more

Rhys Lawrence Hechanova

23:06 11 May 19

It was nice working with Cynthia and Edward... they helped us a lot and do recommend them forward to other clients... definitely will go back for there services..read more

Jaclyn Teichgraber

22:57 10 May 19

We were recommended by a friend and we don't regret a thing. Cynthia and Edward Cherie made the experience of buying my first home painless, extremely smooth and easy. They were incredibly patient, communicated often by phone, and my favorite by text and email, answering promptly and I was never scared or shy to ask silly newbie questions. They walked us through the insane amounts of paper work, making a daunting task easier to digest, and alleviating any fears we may of had. They helped us get us a thorough and in-depth house inspection that I was very happy with. And made negotiation on our house painless, quick and smooth flying!!! Overall spending time house hunting with them was a fun experience, they are full of stories and insight and you aren't uncomfortable through the journey. I highly recommend them as a new buyer or experienced.read more

Julie Gagnon

03:08 03 May 19

Cynthia and Ed were amazing. From the moment I met them, they were extremely welcoming, knowledgeable and made me feel comfortable. They answered all my questions and made me feel confident in the decisions we made throughout the process. I’ve heard horror stories from people when buying their first home but honestly, thanks to Cynthia and Ed for their hard work, this journey has been pleasant and enjoyable. I can’t thank them enough.read more

Jackie Stewart

17:34 02 May 19

Cynthia and Ed take the time to meet with clients and thoroughly explain the Mortgage pre-approval/application process to their Clients! They will guide you throughout the entire process! They are a fabulous team that I would refer to anyone looking for a mortgage!read more

shane macdonald

01:29 20 Apr 19

Took our first step today towards purchasing our first home! We were nervous and had a lack of confidence. We received the warmest of welcomes, and we were given total transparency with each step of the process. We were amazed with the wisdom, and caring culture of Balance Mortgages. They work well as a team, and gave us a tremendous amount of confidence!! We look forward to our relationship and our biggest investment ever with Balance Mortgages.read more

Joshua Ianes

18:02 17 Oct 18

I can't say enough good things about Ed and Cynthia at Balance Mortgages. This was our first home and they really helped us understand our mortgage, the steps we needed to take and the support to get us into our first home. They are both personal, while also providing the key details so that you enter your mortgage and home ownership with all that you need. I highly recommend them for your mortgage needs!!read more

Heather Hayashi

04:43 17 Aug 18

Ed and Cynthia were incredibly helpful! From the moment we sat down in their office to the final email, they stayed attentive to our process and kept the steps simple and well explained. Their attention to detail was precise and they were patient with our many questions. I would highly recommend the Cherie team to anyone!!read more

stacy dee

21:09 08 May 18

I can't thank enough to you guys for helping us to go through with our mortgage application. You have done so great to help us get our new home! To Cynthia and Edward.. you deserve more than 5 stars!read more

Jack Born

17:34 18 Mar 18

Dear Cynthia, Thank you so much for all your help with renewing my mortgage!!! For helping me with the title change and being so generous with time and information about minimum income needed to qualify for new financing. I’m pretty sure that without you working so hard I would not have secured this awesome 5 year fixed rate. I do NOT take for granted the extra effort you took to carefully analyze my self-employment tax and bank statements during the past 6 months. I know it wasn't easy, but you got it done! While working with you, I noticed that you are extremely knowledgeable about the mortgage industry and that you did an excellent job for me. If I were to rate my overall satisfaction, then 10 out of 10 wouldn’t be enough to cover how much you went above and beyond my expectations. I was so pleased to work with such an intelligent professional and won’t hesitate to recommend your name every time I hear someone telling me about plans for a new home purchase, mortgage renewal or refinancing. I will tell them about your eagerness to do all you could to help despite my challenging mortgage situation. With each low bi-weekly payment, I’ll be thinking about how grateful I was to have had you assisting me with this renewal. I’m already looking forward to having you involved once again 5 years from now. Wishing you all the best, Jack Bornread more

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Recommended Lawyers

Rosellina I. Giardino

Howard Goldford

Mark E. Hillenbrand

Linda L. Wright

Peter B. Mason

Robert A. Engels

Other Mortgage Resources

Rosellina I. Giardino

Howard Goldford

Mark E. Hillenbrand

Ronald W. Poitras

Gavin Millan

Robert A. Engels

Peter Semonick

Start Your Mortgage Application

Alberta Mortgage Rates as of July 9, 2019

Current Rates - Main Table

Open Rates - Master Table

Current Rates - Main Table

Current Rates - Main Table

Variable Mortgages - Open

Variable Mortgages - Closed