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About Me
Mortgage Services

Mountain Mortgages
for Canmore

Bow Valley, Cochrane
& throughout Alberta

Carolyn (Caz) Withey licensed with Mortgage Architects

Your best Mortgage Advisor is the one who is working towards your goals, not for the goals of one specific bank or lender

I believe in transparency and education. Mortgages can be complex, so my focus is to make the process as seamless as possible while addressing your questions and concerns upfront. My mission is to provide you with the best mortgage solution for your scenario while offering guidance and clarity about your options. 

As a Mortgage Broker licensed with Mortgage Architects, I assist homebuyers in the Canmore, Bow Valley, Cochrane, and Calgary areas, and throughout Alberta, to establish the best mountain mortgage for their specific scenario. My business is built on integrity and trust – I only recommend mortgage solutions that I would use myself.

Home Buyer Pre-approval
Getting pre-approved for a mortgage is a crucial first step in understanding your budget and making your dream home a reality. As a Mortgage Advisor, I offer no-cost pre-approvals as a service, to help homebuyers understand their financial eligibility and explore their mortgage options. Having a professional on your side will give you someone to lean on to answer questions throughout your home-buying journey, and can also save you both time and money, by comparing the different options side by side.
Mortgage Renewal
Don’t sign the lender’s renewal without shopping for the best rate and terms! Mortgage lenders make it very easy to sign on the dotted line, but the renewal they send you may not be the best rate or option available. Connect with me today to discuss the best current options being offered. It may be a little more work than signing a renewal, but it could offer significant savings over your new term and throughout the span of your mortgage.
Review your mortgage regularly! A mortgage refinance can be a great tool in the right circumstances. It can help you lower your overall costs by rolling in higher interest obligations to a new mortgage, or it can be used to pull out equity so you can make bigger plans. A Mortgage Refinance is where you break your existing mortgage and replace it with a new mortgage - new loan amount, rate, and terms. There are many factors involved, including how much equity is built up in your current mortgage and what the cost is to break your current term. Reach out to get the full picture, so you can decide if this is the right step for you.
Buying Your 'Next' Home
When you are ready to sell your home and buy a new one, your first move should be to look into 'all' of your options. This may include bringing your existing mortgage with you if it is portable. However, there are times when breaking your current mortgage and setting up a completely new mortgage can actually save you money in the long run. Reach out! As a mortgage advisor, I can help you compare your options. Make sure you are buying your new home with the best mortgage.
Vacation / Second Home
Owning a second home can be a great option. It may offer an opportunity as a financial investment over time, and perhaps more importantly, as an investment in your own lifestyle. Whether you are fulfilling a dream of having a weekend retreat, or if it just makes sense to buy a second property while your kids are in university. The appeal is often as much economic, as it is an investment in yourself and your family.  
Buying a Rental Property
Residential real estate can offer an excellent financial investment opportunity. As a rental property, there is the benefit of having the costs of ownership offset by income generated by the tenants. Buying a rental property needs to be analyzed to make sure it is sustainable, even if the property is vacant at any time. Reach out, I can help review the total costs versus potential benefits.
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Canmore Mortgage

Though I am licensed throughout Alberta, my home base is in the mountains. The town of Canmore has held a special place for me since I first moved to the Bow Valley in 1999. Offering amazing recreation on your doorstep, urban-style amenities, bold picture-perfect mountainscapes, and a dynamic local community, it resides at the heart of mountain adventure.

Purchasing in Canmore is often competitive, so it is important to arrange your Canmore mortgage pre-approval before diving into the housing market. As a long-term resident of the Bow Valley and Canmore Mortgage Broker, I know the steps that must be taken to ensure you receive the best combination of mortgage rate and home loan terms, for your future of mountain living!

Read the latest news and advice about top mortgage lenders and home loan rates today.

Common questions about mortgage brokers and buying your next home are answered.

Mortgage Rates

Through the mortgage broker channel, I offer top rates with no negotiating required.

carolyn withey

Contact Carolyn (Caz)

Licensed with Mortgage Architects

As a Mortgage professional, licensed with Mortgage Architects, I offer my mortgage expertise to prospective homeowners in Canmore, the Bow Valley, Cochrane, Calgary, and throughout Alberta. It is my promise to my clients that I work efficiently and professionally to customize a mortgage solution that best fits your home-buying or mortgage renewal scenario.