As a first time home buyer, Denise made the process as easy as possible. She was clear and concise about every step of the process and was always quick to respond to any questions or concerns that I had. I also felt that she got me a very competitive mortgage rate. I would recommend using this company to anyone looking for great services and rates on their mortgage

Megan Palen

We had a great experience working with Denise! She was incredibly helpful and informative with all aspects of the application process and she was always quick to respond. She was wonderful to deal with, and we look forward to doing more business with her in the future.

Rebecca Dehek

I used the best rate mortgage team for my recent new home purchase and they made the experience stress free from start to finish. Also the interest they got me was much lower than the bank which saves me $100 per month. 10/10 recommend

Richard Droy-Williams

Bernie and Denise are fantastic people to work with! They know their business-very knowledgeable! Their many years of experience working in the banking industry provides peace of mind at what can be a very stressful time during a purchase! I am very confident in recommending them to help you with your financing needs 😁 We will never go back to a bank to set up financing for any of our purchases 😉

Chris Goutbeck

Bernie and his Team were wonderful to deal with . They worked relentlessly to find a solution for our financial needs. Bernie was highly efficient in communicating with us and always keeping is informed. Highly recommend Bernie and his Team at Best Rate Mortgage

Lisa Jacobson

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

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 Colburn

My wife and I bought our first home this year! Denise was friendly, helpful and super fast to get back to us with even our most ridiculous questions. We always felt like our needs were being well cared for. It’s a stressful thing to do, during a stressful time in the world. I’m glad we had Denise on our team to help us navigate this process! No regrets at all.

James Munro

Denise was amazing and really supported us through the process. I would highly recommend giving her a call if you are looking for a mortgage. She knows her stuff and will walk you through every step of the way. Thanks Denise!!

Beverley Barker

I got an amazing interest rate thanks to Denise!! It was so good that even my lawyer’s office was amazed by the rate. I was very impressed by the care and communication that Denise showed to me through the whole process. Not only was she super knowledge and helpful about the loan, she also offered a lot of insightful information about buying which was invaluable to me as a first time home buyer. I have already and will continue to recommend Denise and the Best Rate Mortgage Team!


Denise and Bernie were very supportive and helpful during the mortgage process. My situation seemed to be ever evolving and they showed understanding and patience. Thank you!

Sean Brown

Bernie exceeded our expectations obtaining a mortgage for our property.

Brad Tywoniuk

We highly recommend Best Rate Mortgage. We had a very difficult mortgage application and Best Rate worked extremely hard to find us the best solution at an amazing interest rate. The team was professional to deal with and stayed incredibly optimistic throughout the entire process. We’re grateful for all of their efforts and would definitely use them again in the future.

PJ Wiebe

If you’re looking into getting into the housing market, GO SEE BERNIE BUDNEY!!! He set my fiancé and I up with our dream home. It was a very intimidating and terrifying process but Bernie made it so much easier! He guides you the whole way and he will get you into that house of your dreams without panic. He kept us calm and his years of experience got us the best deal possible! He was there every time we needed him, he had all the answers and guidance. Thanks to Bernie and his hard working team we didn’t encounter any problems. Just follow his advise and let him do his magic. There’s no question when we’re up for renewal that we’ll be going back to see Bernie! It’s so easy! What do you have to lose?


I have been a client of Best Rate for several purchases and each time my experience has been excellent. They are experienced, friendly, and honest. Also they are not beholden to the traditional Canadian bank lenders and providers which provides oneself with the comfort of knowing that all aspects of an application is reviewed with the client’s interests first. Client needs and service come first yet still at no additional costs. The difference between what my traditional “bricks and mortar” Canadian bank told me and what I have learned from Best Rate was extremely revealing and important. They are the best I have dealt with both personally and corporately. Frank D.

francis duke

Being a first time buyer, I knew little to nothing about the process and had millions of questions. Bernie and Denise were extremely kind and helpful throughout the entire process. They were always prompt to answer all questions and concerns. And of course, succeeded in getting us the best rate possible!
Chelsea Coppel

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

Bernie and Ramzie were great, they went the extra mile trying to get us a great rate and approval while on maternity leave. They were timely efficient, and answered all our inquiries. They seemed to care, even about us little guys. Great team, great people– would recommend hands down to anyone.

Meggers Denise

Mr. Budney is very knowledgeable and goes above and beyond for his clients. He has made the process smooth and worry free. I would definitely recommend to anyone purchasing a home.

Brooke Forster

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

Best mortgage team ever in my books! Not only did we get the best rate out there, Bernie made the whole experience painless and totally stress free. We’ll definitely be back!

Karen Donald

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

Patrick Lee

Mr. Budney and his team were thoughtful and thorough, and dealt with every first-timer question I threw at them with grace. I didn’t even feel bad asking what might have seemed like dumb questions! They worked hard and got me an amazing rate and helped me to get a home I didn’t even believe I could afford. I would recommend them to anyone.

David Howe

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

My experience with Mr.Budney’s services has been excellent. Business is conducted professionally, efficiently and with integrity. Despite numerous challenges, Bernie was successful in getting the job done at better rates and in a timely manner. His extensive knowledge, experience, and networking provide the best results in every way. He is by far, the best in the industry.

Violet Hawkins
Hawkins Enterprises Ltd.

Violet Hawkins

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!


Professional and excellent service. The Best Rate team provided fantastic personal service and made the entire mortgage process seamless. Thank you.

Guy Desrosiers

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

Wow!! Bernie has been a great find. I was refereed by a friend and I can assure I’ll recommend my friends to him. We came in with a slightly lower budget for our house purchase but Bernie convinced and helped us out in getting a higher approval for an even dreamier house. love this guys commitment and drive. There’s 300 plus lenders out there in canada so i think you should give him a call and see what your options are. I certainly don’t feel the big banks should get all the deals. Cheers to your team at TMG Bernie. Regards from Rahul and Cathy

Raul Bhaasker

When it comes to mortgages and banking, Bernie (and the Best Rate Mortgage team) is/are the real deal. Bernie is exceptionally competent, holds an expert knowledge of the financial industry, and truly epitomizes the definition of professionalism. I came to Bernie with a deadline and a tough situation and Bernie took my call and worked through the case in such a way that reduced my frustration and grief of securing the best mortgage deal possible. I will not only deal with Bernie in the future, but I highly recommend him as a top-shelf mortgage broker and all-around great guy!

Note: This testimonial was offered by me, the client because I felt that the quality of Bernie’s work was excellent and that others can benefit from working with Bernie and ‘The Best Rate’ Mortgage Team (TMG).

P. Allen Ph.D. c.

Patrick Allen

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.


Bernie Budney came through for us and his assistant was very helpful, too. I’d recommend them unhesitatingly to anyone.

Sabine Brasok

Bernie and the Team at Best Rate Mortgage will do whatever it takes to provide the best service and essentially the “best rate”. They are incredibly professional and our experience has been excellent. We look forward to continuing to work with them in the years to come.

Jonathan Rivero
CEO & Founder of Qi Creative

Jonathan Rivero

Great service, the best rate in Edmonton!

James Krucik