Online mortgages in Alberta, without the office visit
Buy, renew or refinance with John Antle, a licensed mortgage associate who compares options from multiple lenders and explains them in plain language.
Licensed mortgage associate · Pineapple National Inc. (RECA 00424723)
How it works
Book or call
Book a call with John, or call or text him. Tell him your goal, timeline and income type.
Compare options
John reviews your file, compares what multiple lenders could offer and walks you through the trade-offs in writing.
Sign and close
Most paperwork is e-signed. You sign the final mortgage documents with your Alberta lawyer or notary.
Alberta mortgage services
- Pre-approvalKnow your budget and the stress-test math before you shop.
- First homeDown payment, CMHC insurance, FHSA and closing costs.
- RenewalCompare your renewal offer before you sign it.
- RefinanceUse equity or consolidate debt. See the costs first.
- HELOCA line of credit secured by your home, explained.
- Self-employedWhat lenders look for when you're your own boss.
Also: rural & acreage · commercial · Calgary · Edmonton · all communities
Meet John Antle
John is an Olds-based dad of two and a former Investment Advisor who now helps Albertans buy, renew and refinance as a Mortgage Associate and Team Lead with Pineapple National Inc. He's licensed in Alberta by RECA and loves to chat, so feel free to reach out.
Book a 30-minute (opens Google Calendar in a new tab) or 1-hour call (opens Google Calendar in a new tab)
Good to know about Alberta mortgages
Most of the mortgage process no longer needs an office visit. You can share documents securely, review options on a video or phone call and e-sign most paperwork. The only step that usually happens in person is signing the final mortgage documents with your Alberta lawyer or notary. New to how this works? Start with the step-by-step online mortgage process.
No land transfer tax in Alberta
Alberta charges no provincial land transfer tax. Instead, Alberta Land Titles charges registration fees on the transfer of land and on the mortgage. These fees are usually much smaller than the land transfer taxes buyers pay in Ontario or B.C. If you're moving here from another province, that changes your closing-cost budget. See how Alberta closing costs work.
The federal stress test still applies
Federally regulated lenders qualify you at the higher of your contract rate plus 2% or 5.25%. How the stress test works.
Dower rights on the family home
Under Alberta's Dower Act, a married owner generally needs their spouse's written consent to mortgage the family homestead. This often comes up on acreages. Rural property considerations.
A big, spread-out province
Many borrowers live far from a mortgage office. Arranging a mortgage online saves the drive. John works with borrowers in Calgary, Edmonton, Red Deer, Lethbridge, Medicine Hat, Grande Prairie, Airdrie, Olds and other Alberta communities. Because the process happens online and by phone, your postal code doesn't limit your options.
Quick answers
Is there a land transfer tax in Alberta?
No. Alberta has no provincial land transfer tax. Buyers pay Alberta Land Titles registration fees instead. Under the fee schedule effective October 1, 2026, a transfer of land is $50 plus $5 for every $5,000 (or part of $5,000) of the property's value. A mortgage is $50 plus $5 for every $5,000 (or part) of the mortgage amount. Check the current Government of Alberta fee schedule before you budget.
How does the mortgage stress test work in Alberta?
The stress test is federal, so it works the same in Alberta as in the rest of Canada. Federally regulated lenders qualify you at the higher of your contract rate plus 2% or 5.25%, which OSFI calls the minimum qualifying rate. Insured mortgages use the same formula under federal mortgage insurance rules. Some provincially regulated lenders, such as many credit unions, set their own rules. More on the stress test.
Can I really get a mortgage completely online in Alberta?
Nearly all of it. The conversation, application, document upload and lender comparison can all happen online or by phone. Your final mortgage documents are usually signed with an Alberta lawyer or notary, who also registers the mortgage at Land Titles. See the full process.
How are mortgage brokers paid in Alberta?
For many residential mortgages, the lender pays the brokerage when the mortgage funds. Some files, such as certain private, alternative or commercial mortgages, may carry a fee. In Alberta, any fee and the way the brokerage is paid must be disclosed to you before you commit.
Ready when you are
A no-obligation conversation about buying, renewing or refinancing anywhere in Alberta, online or by phone.
Prefer to text? 250-212-8512 · Email johnantle@gopineapple.com · Contact page · Book a 30-minute (opens Google Calendar in a new tab) or 1-hour call (opens Google Calendar in a new tab)
John Antle, Mortgage Associate | Pineapple National Inc. (RECA 00424723). All applications are subject to lender approval.