New Home Mortgages

Why not get a better mortgage than what the bank can offer?

Better Rates
Better Service
Better Options
All without any of the Banks high penalties
Provider 5 Year variable 5 Year fixed

The Best Rate


Prime -1.00


RBC Royal Bank

RBC Royal Bank


Prime -0.25





Prime -.5


TD Bank

TD Bank


Prime -0.20


Bank of Montreal

Bank of Montreal


Prime -.40





Prime -0.05


The Best Rate


Prime -1.00



Wondering how much of a mortgage you qualify for?

Get Pre Qualified Onine in less than 60 Seconds.

Download our phone app to get started!

No Down Payment No Problem

Own your own home sooner by using a wide range of sources for your down payment. If you have a proven track record of meeting your debt requirements and sufficient income to support your mortgage loan payments, there are a number of options open to you to help you with the down payment.

Over the years we have worked with many home buyers who had good credit and great income but had not yet been able to save the required down payment. These home buyers were tired of wasting money on rent every month and wanted to start building equity in their own home. Fortunately, we were able to overcome the down payment hurdle using some of the programs that are available and help these buyers into a home and off of the rental treadmill. Please contact us to see what options are available to help you overcome the down payment hurdle.

Construction Financing

Just as there are a lot of parts to construction there are a lot of moving parts to Construction Financing. That is why you want to have a Construction Financing Expert help you through the process.

The Best Rate Mortgage Team is very fortunate to have a Construction Financing Expert with over 10 years of experience financing infills, custom builds, self builds and regular new construction. She can arrange financing for Land, Hard and Soft cost and Services on owner occupied, rentals, multiplexes and acreages. We also do builder financing on spec homes and flips.

Through our network of lenders, we can provide you with the financing structure and flexibility to make your project a success. Whether it is capitalizing the interest cost, having unlimited number of draws, open mortgages or whatever you require, we will work with our lenders to provide you with a solution.

Mortgage Calculator

No matter your situation, The Best Rate gives you the tools to make the best mortgage decision.



Whether you’re buying or refinancing a home or purchasing an investment property, choose the Best Rate.


Apply Online

With our “apply online” tool, applying for mortgage funding has never been easier.


Mortgage Questions

Do you have mortgage questions? The Best Rate has the expertise and knowledge to give you the answers


See what People are saying about the Best Rate Mortgage Broker Team


Best rate has been such a cost savings to me and my family. They cost nothing to use but have saved us so much in mortgage interest. Talking to friends I always find that our interest rate is so much lower than what they are paying. We saved thousands over the years I am sure.

Best rate was with us when we bought our first starter home and helped us through financing concerns that come when you own your own business like I do. Now years later they have helped us mortgage our first investment property. I appreciate this company so much and would recommend them to anyone looking to mortgage.



I had the absolute pleasure of working with Denise Budney for our mortgage application. She was absolutely amazing during the process. Very professional and always quick to answer any questions I had. She ensured we were well prepared for all aspects of the mortgage application. We highly recommend Denise and Bernie at the Best Rate Mortgage Team!

-Jodie Martens


My mortgage specialist Bernie Budney is very fast friendly and courteous. He was able to get things together for me very quickly. He was a pleasure to deal with. I highly recommend him to anyone who needs a mortgage .

– Murray Bleile


After having a not so pleasant experience with another broker I reached out to Bernie for a second opinion, what I received was more than that. His determination, commitment and patience are commendable. Bernie took the time to answer every question, go through every detail and because of this, buying my first home wasn’t as scary. He was also able to get me a fantastic rate, which is an added bonus. I highly suggest Bernie to anyone looking for a mortgage broker, you will not be disappointed. Thank you again Bernie!!!

– Mandi A


The best mortgage team!!! = ) Everything was clear and hassle free, especially coming from someone who is a first time home buyer. Bernie was very professional and got us the best rate! His very patient in explaining everything about mortgage and answering all our questions. Debbie was very helpful and she always give us an update on the status of our mortgage and if there is anything missing with our submitted documents.

OVERALL, GREAT EXPERIENCE and I’m very happy with my decision to chose them as our mortgage broker.

– Aileen M


We just bought a house with Bernie’s help.
The house is 101 years old and has a wooden foundation. with the current economic climate in Alberta the banks are a bit less open to lending on a house with those attributes even though it is in immaculate shape.

Bernie and Dawn went over and above what was required to help us get together with the right lender for this house, and for that we will be forever grateful.
Thank you Bernie and Thank you Team TMG!!

– Leanne & Patrick

My mortgage renewal experience with Mr. Bernie Budney was simply amazing and exceeded all my expectations in every possible way. I was amazed by how much dedication, commitment and patience Mr. Budney puts into his work all with the purpose of protecting his clients’ interests and finding the best possible solution for them. He makes the overall process smooth and seamless. The feeling of being safe and in good hands that I had during the renewal process was priceless. Thank you!

Five star experience!!! It will be my pleasure to have Mr. Budney as my current and future mortgage broker that I also strongly recommend to anybody who has any mortgage related needs.

– Borislav Misita


Bernie and his team helped us out immensely. Because of our circumstances of owning our own business, we ran into numerous roadblocks. Bernie always found a solution to go forward. We were kept fully informed during the process and he managed to get us an excellent rate. We would recommend Bernie and his team to anyone looking for the best mortgage rate possible.

– Janet Bezovie


I am very satisfied with the service I received from Bernie and Debbie at Best Rate Mortgage Team. They are highly knowledgeable and extremely helpful. Bernie is polite and diligent, with a very professional manor yet extremely friendly at the same time, he seems to have mastered the perfect balance. Bernie was always available to address any questions or concerns that I had and nothing was too much effort.

If you are self-employed or looking for an alternative to the big banks, consider using The Best Rate Mortgage Team!

– An B


The team at The Best Rate worked their magic to see a challenging house purchase come to fruition. The process to buy a home was filled with way more legal conditions and timing issues than I figured were possible but Bernie and Debbie at The Best Rate were aces in stick-handling my deal to a close. The bank where my business accounts are held was a joke in comparison to their access to mortgage options. They were absolutely class act pros with first-class customer service. I look forward to next opportunity to work with them and recommend them to all of my family and friends.

– Chad Smith

Call or Message The Best Rate Mortgage Team today for a Free Consultation.

Toll Free: 1-800-350-9888

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