Tim Kowalyk- Mortgage Broker

Finding the Right Mortgage Solution

Helping people along their financial journey.  Matching the right mortgage solutions to their unique individual situation. 

How I Can Help?
Navigating the complexities of mortgages, I offer personalized assistance to simplify your journey towards homeownership or financial goals.

Reliable Guidance

Benefit from my in-depth industry knowledge to make informed decisions.

Custom Solutions

Crafted mortgage plans aligned with your unique needs and financial situation.

Streamlined Process

Experience a smooth and efficient mortgage process from start to finish.

Turning Mortgage Frustrations Around Discover Our Simplified 3-Step Plan
Get to know you.

The best place to start is by letting us know who you are! Click the start here button below and you'll be directed to a page where you can schedule a meeting to discuss your financial situation, connect with us on the phone, or send us a quick message.

Walk through the process together.

Getting a mortgage does not have to be hard.  Let me guide you through getting the best mortgage product for you! In our online portal you'll be able to do the following:

  • Fill out a secure on-line mortgage application
  • Upload all of your documents in one place 
  • Add your real estate agent and lawyer 
  • Match your mortgage needs with the right mortgage lender
  • Help remove funding conditions with the lender
  • Get you ready for your final signing and finalize funding on your possession date!
Continuing support

The one thing you can be sure of is the world will continue to change. Whether it's the need to learn and adapt to the changing economic times in the Canadian market or making changes to meet your needs.  I will be there to provide trusted advice so you can make the right decision going forward. 

Our Specialties


Ready to buy? Let’s get you Pre-Approved! Lock in your rate and shop with confidence!

First Time Home Buyer(s)

Preparing to purchase your first home? Stepping into the world of home-ownership for the first-time is an exciting and rewarding time. It can also be overwhelming and confusing; there are many things to consider. The great news is that we’ve helped thousands of home-owners with their mortgage needs. We’re here to walk you through the entire process! We are mortgage pro’s!

Mortgage Renewals

Don’t simply ‘sign back’ your mortgage renewal offer from your existing lender. Don’t assume you will be offered the best available rate (this is often not the case). Let us take a look at your renewal offer to determine if it’s worth staying with your existing lender or if it’s time to make a switch. Ensure you are in the best mortgage product at a great rate!

Mortgage Refinancing

Looking to get out of a high rate mortgage? Need access to your available equity? A mortgage refinance is an opportunity to reduce your rate and/or unlock equity. Whether it’s for debt-consolidation, a sought after renovation, or an investment opportunity; we’ll get you the money you need, at the best available rate!

Credit Improvement

Are you coming back from a life event that affected your credit? Looking to improve your current situation? We have mortgage lenders who will consider bruised credit (for your right-now solution) and/or work with you to start improving your credit for the best mortgage rate in the future!

Reverse Mortgages

Retiring shouldn’t mean having to sell your home or adding additional debt to make staying in your home possible. We have access to reverse mortgage options which allow Canadians a safe and secure way to access up to 55% of the value of their home. If you are 55+ this may be your path to freedom and the opportunity to enjoy your best life! Contact us for more information on how to put this to work for you and/or a loved one!

Spousal Buyout

Do you need to dissolve ties with your ex (or soon to be) ex-spouse? Are one of you looking to stay in the “matrimonial home”? The Spousal Buyout is available for those who are in the process of a legal separation where public/assets/property are being divided. This mortgage allows for one of the jointly titled homeowners to buy the other out (includes common-law partners); allowing you to move forward with life. Separation is hard enough, let us help alleviate some of the stress.

New To Canada

Have you immigrated or relocated to Canada within the last 5 years? Do you have a valid work permit or permanent residency? If you have answered yes to both these questions you can own a home for as little as 5% down payment. Contact us for more details – we’d love to help make your dreams of owning a home in Canada a reality!

Construction Mortgage

Are you looking to undertake the construction of a custom-built home, investment or vacation property? Construction loans are available. While they are common, they are not your usual mortgage. Put our expertise to work for you!

About Me

Licensed Mortgage Agent

I’m Tim Kowalyk and I enjoy helping people accomplish their home ownership goals. It all started when I bought my first home. I was completely unaware of just how many mortgage options were out there with the help of a mortgage broker.  Now I can help others have the same joy I felt when I bought my first home.

Ready to Transform Your Mortgage Experience?

Explore personalized solutions and expert guidance. Contact us now for a mortgage journey that aligns with your financial goals.

What Our Clients Say

Real Experiences, Real Satisfaction

Exceptional service! The mortgage team guided us step by step, ensuring a smooth process. Their expertise and dedication made our home purchase experience truly remarkable.

Sarah K.
I can’t thank them enough. The personalized attention and commitment to finding the best mortgage for my needs were beyond my expectations. Highly recommended!
James R.
Incredible support throughout our real estate ventures. Their portfolio services were instrumental in optimizing our investments. A trustworthy partner in the complex world of mortgages.
Emily L.
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  • Address:

    223 14 St NW, Calgary, AB

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