Your Mortgage, Expertly Guided.
Award-winning independent mortgage brokers Julie & Andy Jeffery — comparing 30+ top lenders to find your best rate and the right mortgage solution across Alberta and British Columbia.
No call centres, no hold music. Book a free call with a trusted, experienced mortgage broker — we’re here to find you the best mortgage solution.
Julie Jeffery
Andy Jeffery
Julie & Andy Jeffery
We serve clients across Alberta & BC — explore our location pages:
20+
30+
Alberta & BC
– WHY ELEVATION MORTGAGE
The Smarter Way to Get a Mortgage
Working with an independent mortgage broker means seeing the whole market — and
getting the best of it. Licensed in Alberta and British Columbia.
Award-Winning Expertise
Nationally recognized brokers in Alberta and British Columbia with a track record for excellence.
Client Focus First
Great mortgages start with great conversations — then we find the solution that fits.
Honest Advice, Always
What you need to hear, not just what you want to hear — with the reasoning behind every recommendation.
In Your Corner
From pre-approval through renewal — and every life change along the way — we stay with you.
– HOW WE DELIVER –
One Call. 30+ Lenders.
We work independently, comparing rates and terms across 30+ banks, credit unions, and national lenders — then present the options that genuinely fit your situation, not ours.
Your Credit Score Stays Protected
One credit check, multiple lender options. We approach the market on your behalf — no unnecessary hard pulls on your score.
Efficient From Day One
We prepare a polished, complete application and manage all lender communication — our track record of high-quality submissions means faster decisions and fewer delays.
Tricky Situations Welcome
Self-employed? New to Canada? Rebuilding your credit? Our lender network understands real-life complexity — and we find paths to approval that others miss.
– MORTGAGE SOLUTIONS
Mortgage Solutions for Every Need
From first-time buyers to seasoned investors — we tailor the right solution across Alberta, BC, and beyond.
Pre-Approvals
Before you fall in love with a home, know what you can afford. We get your pre-approval sorted quickly, lock in your rate, and make sure your offer stands out when it matters most.
First Home Buyers
Buying your first home is exciting — and a little overwhelming. We simplify the process, explain every step, and make sure you’re taking full advantage of every program and incentive available to you.
Mortgage Renewal
Your bank’s renewal offer is rarely their best one. Before you sign, let us shop 30+ lenders on your behalf — most clients save significantly just by making one call.
Mortgage Refinance & HELOC
Whether you want a lower rate, access to your home’s equity, or to simplify your finances — we’ll find the right solution and make the switch seamless.
Buying & Selling
Ready for more space — or less? We handle the financing so you can focus on finding the right home, not worrying about how the numbers work.
Self-Employed Mortgages
The bank said no? We hear that all the time. Banks use rigid income calculations that don’t work for business owners. We know which lenders understand self-employment and how to structure you for approval.
Separation & Divorce
We approach these conversations with care and discretion. Whether you’re buying out a partner, refinancing, or starting fresh, we’ll help you understand your options and move forward with confidence.
Investment Properties
Growing your property portfolio? We understand investment property financing — from your first rental to a multi-unit building. We’ll find the right mortgage structure to maximize your returns and keep your portfolio moving forward.
Acreage & Rural Properties
Rural properties, acreages, and hobby farms require brokers who understand the unique challenges: well and septic systems, ALR land, non-standard construction, and properties that make traditional lenders nervous.
Realtor Partners
Your deals close when your clients are pre-approved right. We understand what realtors need: responsive communication, accurate pre-approvals, and no surprises at closing. We work with clients across all of Western Canada and are licensed in Alberta and British Columbia.
– OUR PROCESS
Your Mortgage Journey, Simplified
01
Our First Call
A no-obligation conversation to understand your goals, timeline, and financial picture. No paperwork, no pressure — just straight answers from an experienced broker who’s on your side.
30 MINUTES
02
Pre-Approval
We prepare and review your application thoroughly before submission — handling all lender communication and securing your pre-approval so you know exactly what you can afford before house hunting.
EFFICIENT & THOROUGH
03
We Shop the Market
With your budget locked in, we compare rates, terms, and conditions across 30+ lenders — taking into account each lender’s unique lending policies and guidelines — then present your best options with clear, honest recommendations.
EXPERT RECOMMENDATIONS
04
Ongoing Support
Our guidance doesn’t stop at approval. We’re with you through every stage — from rate holds and condition removals through to funding day, and throughout the mortgage term at each anniversary date and renewal.
UNTIL CLOSING & BEYOND
– CLIENT STORIES
What Our Clients Say
Real reviews from real Alberta and BC families and investors.
– OUR LENDING PARTNERS
30+ Preferred Lenders
One call to us means access to Canada’s top lenders — including your bank.
We create competition between lenders across Alberta and British Columbia to get you the best rate and terms.
5+
TD
3+
Servus Credit Union
Kootenay Savings
20+
First National · RMG
CMLS · Merix · HomeEquity
+ many more
– LATEST MORTGAGE BLOGS
Guides & Market Perspectives
The right information at the right time can save you thousands. Our guides cut through the noise so you can move with clarity and confidence.
Qualifying for a Mortgage After Separation
Using a HELOC for Investment Purposes
Using a HELOC for Investment PurposesA HELOC isn't just for renovations or emergencies. Many Canadians use their home equity to invest — and when done properly, the interest may even be tax-deductible. Here's how it works. The Smith ManoeuvreNamed after Fraser Smith,...
Understanding Mortgage Prepayment Penalties
Understanding Mortgage Prepayment PenaltiesWant to refinance, but worried about the penalty? You should be — prepayment penalties can be significant. But sometimes they're worth paying, and sometimes there are ways to minimize them.How Penalties Are CalculatedVariable...
Debt Consolidation Through Refinancing
Debt Consolidation Through RefinancingCredit cards at 19.99%. Car loans at 7%. Lines of credit at 8%. Meanwhile, your mortgage is at 5%. Does rolling all that debt into your mortgage make sense? Often, yes — but let's look at the full picture. The Rate...
How Much Equity Can You Access?
How Much Equity Can You Access?Your home is likely your largest asset, and over time, you've built up equity through payments and appreciation. How much of that equity can you access? Here's the math. The 80% RuleThrough a refinance, you can typically borrow up to 80%...
Off-Grid Properties: Can You Get a Mortgage?
Off-Grid Properties: Can You Get a Mortgage?The appeal of off-grid living is growing — especially in BC's Kootenays and rural Alberta. But can you finance an off-grid property with a traditional mortgage? The answer depends on several factors. What "Off-Grid" Means to...
– READY TO BEGIN?
Talk to Julie or Andy Directly
No call centres, no hold music. Book a call with an experienced broker who is genuinely in your corner.
Elevation Mortgage
INDEPENDENT MORTGAGE BROKERS · LICENSED AB & BC
Julie & Andy Jeffery — independent mortgage brokers serving Calgary, Nelson BC,
and clients across Alberta and British Columbia.
© 2026 Elevation Mortgage · Independent Mortgage Brokers · Serving Alberta & BC