About Me
Mortgage Services

About Carolyn (Caz)

Mountain Mortgages for Canmore,
Banff, Bow Valley, Cochrane

Carolyn (Caz) Withey licensed with Mortgage Architects

Carolyn Withey Mortgages

Carolyn (CAZ)

Mortgage Architects

Like so many long-term residents in Canmore and Banff, I first came out for a single season – and just like that I was hooked. Though I spent years returning to University and then travelling and working abroad, I’ve called the Bow Valley my home base since that first summer. 

The Canadian Rockies are one of the most beautiful backdrops. If I’m not at my desk you can find me outside, hiking, mountain biking, or skiing with my family when the snow falls. I feel fortunate to live in a place that is both awe-inspiring and that offers endless opportunities for adventure. 

Living here is a choice, and it does come with its own struggles that are the reality of making a world-class destination your home. We have higher-than-average home prices in Canmore, Banff, and the Bow Valley as a whole. It can be tough getting into the real estate market as a first-time buyer, as well as navigating how to move from your first home to buying your next home. 

In 2016 I decided to pursue my mortgage license to become a Mortgage Advisor in Alberta. I wanted to understand the process in depth, so I could help others settle into homeownership in the valley. My focus is on mountain mortgage solutions throughout the Canmore, Banff, Exshaw, Dead Man’s Flats, Harvey Heights, and Cochrane communities. I look at mortgage solutions that take into account the lifestyle choices of my clients, including their long-term, and investment goals.

Though ‘Mountain Mortgage’ is the tagline of my small business, as a mortgage advisor I am licensed with a top national brokerage Mortgage Architects, and regulated within Alberta by RECA, the Real Estate Council of Alberta. 

As a small local business owner, my core goals are to offer a smooth straightforward mortgage experience using leading technology, where questions are answered quickly. Education is something I believe never ends, so I dedicate time weekly to staying on top of industry changes, through webinars, training sessions, and reading, to help my clients succeed. 

I’m here to help you navigate the mortgage financing aspect of setting up your mountain mortgage, so you can live your best life & own where you play! 

Your Bow Valley
& Canmore
Mortgage Broker

Licensed with Mortgage Architects

Making the choice to live and play in a beautiful and inspiring area of the Rocky Mountains isn’t always easy. It’s pricy, there isn’t always a lot of choice, and it takes an above-average commitment to make it work – from an overall financial perspective. Yet it’s worth it! The Bow Valley has so much to offer, from amazing recreation at our doorsteps to urban-style amenities, bold picture-perfect mountainscapes, and a wonderful local community.

Though the Town of Canmore boasts the largest population including full-time and many part-time residents, the Bow Valley is a patchwork of smaller communities, each offering their own living experience and their own unique elements from a home financing perspective. Banff with its National Park Land Lease and ‘Need to Reside’,  differs from the more rural mortgage policies associated with Exshaw, or Harvey Heights. While Canmore can feel like a minefield with its different long and short term zoning policies, when you are looking to buy a property to call home.

It can take an educated real estate team to make a purchase run smoothly in the Bow Valley. Using a local Realtor to find the right property can save you time. While using a knowledgeable mortgage specialist with a local understanding of zoning and land use policy, can be the difference between a mortgage funding or being declined. Using a local Solicitor who knows their way around the details associated with buying here is also a critical piece, to ensure the smoothest process. Even your property Appraiser needs to understand the local market to ensure they don’t mis-value a local property, as this can derail the financing of a new purchase, or undervalue the refinance of a current home.

As a licensed mortgage specialist, who has lived and worked in Canmore and Banff for the last two decades, I fully understand both the allure of mountain living, as well as the nuances of making it work out here. By looking at your priorities, we can tailor the right plan for you both in the short term and towards your bigger goals.

I offer my experience in the Canmore, Banff and Bow Valley marketplace, and promise to work quickly to customize a mortgage solution that best fits your unique situation and goals. Honesty and communication are cornerstones of my business. I only offer mortgage solutions that I would also use myself.

Carolyn Withey Mortgages

Contact Carolyn (Caz)

Licensed with Mortgage Architects

As a mortgage agent licensed with Mortgage Architects, I offer my mortgage commitment to prospective homeowners in Canmore, Banff, Bow Valley, Cochrane, and throughout Alberta. It is my promise to find the mountain mortgage solution that best fits your lifestyle and goals.