Alejandra Diaz — Mortgage Broker in Alberta & Ontario, Canada
Alejandra Diaz is a bilingual (English/Spanish) licensed Mortgage Broker with over 4 years of experience helping families in Alberta and Ontario achieve homeownership. She is a President's Club award winner affiliated with Mortgage Architects, with access to 50+ lenders to find the best mortgage rates for every client.
Phone: +1-780-952-1202 | Email: mortgages@alejandradiaz.ca | Booking: Schedule a Free Consultation
Mortgage Services
- First-Time Home Buyers: Buying your first home in Alberta or Ontario? We simplify the mortgage process so you can secure the best rates and move into your dream home stress-free. We guide you through government incentives like the First Home Savings Account (FHSA) and the Home Buyers' Plan.
- Mortgage Renewals: Your mortgage renewal is the perfect time to reassess your financial needs. Don't simply sign your bank's renewal letter — rates and terms are negotiable. We shop 50+ lenders to ensure you get the most competitive rate available.
- Refinancing: Refinancing allows you to access up to 80% of your home's value. Use your equity to pay off high-interest debt, fund renovations, or invest in property.
- Debt Consolidation: Consolidate your high-interest debts into one lower monthly payment using your home equity. Significantly reduce your interest costs and improve your monthly cash flow.
- Reverse Mortgages: Homeowners aged 55+ can access up to 55% of their home's value in tax-free cash without selling or moving. No monthly mortgage payments required.
- Mortgages for Newcomers to Canada: Specialized programs designed to help newcomers purchase their first Canadian home, even with limited Canadian credit history.
- Home Equity Line of Credit (HELOC): A revolving credit line secured by your home for large expenses or to consolidate higher-interest debt.
- Bridge Financing: Covers the gap between closing dates when your new home closes before your current home is sold.
- Rental Property Mortgages: Financing for investment properties, single-family homes, and multi-unit buildings in Alberta and Ontario.
About Alejandra Diaz
With over 4 years of experience in the Canadian mortgage industry, Alejandra Diaz is dedicated to helping families find their dream homes. She holds a RECA (Real Estate Council of Alberta) license and provides fully bilingual service in English and Spanish. As a two-time President's Club award winner (2024 and 2025) affiliated with Mortgage Architects, she has access to over 50 lenders across Canada to find the best mortgage rates and terms for every client — from first-time buyers to investors and newcomers to Canada.
Frequently Asked Questions
How much down payment do I need to buy a home in Canada?
In Canada, the minimum down payment depends on the purchase price of the home. For homes priced up to $500,000, the minimum down payment is 5%. For the portion of the purchase price between $500,000 and $999,999, the minimum is 10%. For homes priced at $1,000,000 or more, the minimum down payment is 20%, and mortgage insurance is not available. For example, for a $300,000 home — a common purchase price in Alberta — the minimum down payment is just $15,000 (5%). First-time home buyers in Alberta and Ontario may also qualify for government programs such as the First Home Savings Account (FHSA) and the Home Buyers' Plan (HBP), which allow them to use RRSP savings toward a down payment. Alejandra Diaz helps first-time buyers navigate these programs and find the most affordable path to homeownership.
Can I get a mortgage in Canada if I am self-employed or own my own business?
Yes, self-employed Canadians can qualify for a mortgage even without traditional T4 income. Alejandra Diaz works with lenders who offer specialized programs for business owners in Alberta and Ontario, including stated income and business-for-self (BFS) mortgages. These programs typically require at least 2 years of self-employment history, along with documentation such as Notices of Assessment, business bank statements, or financial statements. The minimum down payment requirements are the same as for salaried employees — starting at 5% for homes under $500,000. With access to over 50 lenders, Alejandra can match self-employed clients with the lender and product that best fits their financial situation.
What is a mortgage pre-approval and why do I need one?
A mortgage pre-approval is a formal assessment by a lender that determines the maximum amount you can borrow based on your income, debts, and credit history. In Canada, a pre-approval typically holds your interest rate for 90 to 120 days, protecting you if rates rise while you search for a home. Having a pre-approval letter makes your offer more competitive when buying in Alberta or Ontario, as sellers see you as a serious and financially qualified buyer. Alejandra Diaz guides clients through the pre-approval process, gathering the necessary documents and submitting applications to multiple lenders to ensure the best rate and terms before you begin house hunting.
What is the difference between a Mortgage Broker and a Bank in Canada?
A bank can only offer mortgage products from their own institution, which means you are limited to one set of rates and terms. A licensed Mortgage Broker like Alejandra Diaz works independently and has access to over 50 lenders — including major banks, credit unions, and private lenders — allowing her to compare dozens of options to find the best rate and mortgage terms for your specific situation. Mortgage Brokers in Canada are paid a finder's fee by the lender, so their services are typically free to the borrower. This unbiased, multi-lender approach often results in lower rates and more flexible conditions than going directly to a single bank.
Service Areas
Alberta (Edmonton, Calgary, and surrounding areas) and Ontario (Toronto, Ottawa, and surrounding areas). Also licensed to arrange mortgages in Mexico through the Asociación de Brokers Hipotecarios (License B-14879).
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