Calgary & Alberta Mortgage Broker Crafting Savvy Mortgage Solutions for Home Purchase.

With access to an extensive network of lenders, I look beyond the rate to find mortgage solutions that fit your goals. Together, we’ll consider the rate, flexibility, and long-term value to make sure your mortgage works for you today and tomorrow.

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Gateway to 55+ Lenders
Strategy-First Approach
Zero Cost Independent Advice
Strategic Solutions

Mortgage Advice Built Around Your Goals

Tailored solutions designed for clarity, cash flow efficiency, and maximum long-term value.

Home Purchases & Pre-Approvals

Buying your first home or moving up in Calgary? I guide you through the stress test, down payment requirements, and pre-approval process so you can make offers with total confidence.

Get Pre-approved →

Debt Consolidation & Payment Relief

Replace multiple high-interest credit cards, personal loans, or lines of credit with a single, lower mortgage payment. Unlocking your home equity can significantly reduce monthly costs and restore your cash flow.

Explore Debt Savings →

Equity Takeout & Home Renovations

Access funds built up in your property to finance home improvements, build a secondary basement suite for rental income, or secure capital for your next real estate investment.

Unlock Equity →

Mortgage Renewals & Transfers

Don't automatically sign your bank's renewal letter. I review your mortgage 120 days early and shop across 55+ lenders to secure better terms, lower rates, and zero transfer fees.

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Province-wide
Serving clients across Alberta
Akbar Hajiani, Licensed Mortgage Broker in Calgary Alberta
Your Strategic Partner

Hi, I'm Akbar Hajiani.

I'm a Licensed Mortgage Broker helping families across Calgary and Alberta make confident decisions about one of life's biggest investments, stripping the anxiety out of mortgage financing to give you total clarity over your financial choices.

Most people start their mortgage journey looking for the lowest interest rate listed on a sign. But a low rate with restrictive prepayment penalties, inflexible portability rules, or rigid terms can cost you thousands more down the road.

My approach is built on long-term strategy, open communication, and personalized service. Because I am independent, I work for you, not the lenders. I compare options across major banks, credit unions, and specialized lenders to build a customized plan tailored to your lifestyle, financial goals, and wealth-building objectives.

Whether you are buying your first home in Calgary, unlocking home equity to consolidate high-interest debt, or negotiating a renewal, I break down the numbers in plain English so you can make decisions with complete confidence.

The Bigger Picture

Most brokers find you a rate. I look at the whole picture. From prepayment options and penalty risks to your long-term goals, I help make sure your mortgage fits the life around it, not just the rate today.

More Options. Better Fit

A bank shows you one option. I shop 55+ lenders to find a mortgage that fits your needs and goals. And it costs you nothing. The lender pays me, not you.

I Advise. You Decide.

Every mortgage comes with choices and trade-offs. I’ll help you understand them in plain English, so you can choose a solution that fits your priorities today and your plans for tomorrow.

Here for the Long Run.

I'm here through every renewal, refinance, and life change. Mortgage needs can evolve, and I'm here to help you navigate them, long after closing day. I'm here for whatever comes next.

Some of our Lender Partners

TD Bank Mortgage Calgary STRIVE Financial Mortgages Home Trust Mortgage Solutions Scotiabank Mortgage Advisor MCAP Mortgage Lenders Manulife Bank Mortgage
How it works

Fast & Easy Process

Simple, transparent guidance from initial call to closing day.

01.

Define Your Goals

We begin with a call to understand your specific needs, financial objectives, and long term plans. From there, we develop an action plan to find the best mortgage for you.

02.

Identify the Best Product

We thoroughly research all mortgage products to select the best rates and terms for your needs. We then review the top mortgage options with you, ensuring you understand every detail.

03.

Secure Your Mortgage

Once you have chosen your mortgage, we represent you with the selected lender. We work with your realtor and legal teams to ensure everything goes smoothly. We continue to monitor your mortgage, making sure you have the best option for your needs.

Testimonials

What Clients Say About Working With Me

Google Reviews

"I can’t thank Akbar enough for his outstanding support. He guided us through every step of the mortgage process and always took the time to explain my options clearly. He went well beyond what I expected — even helping with details after closing. Truly professional and caring service!

We highly recommend him to anyone looking for exceptional service."

— Roger Malate

"I highly recommend our broker Akbar Hajiani for the incredible support and guidance he provided to us. We were going through a very difficult and stressful financial situation, and we honestly weren’t sure how we were going to get everything sorted out.

He took the time to understand our situation, explain our options clearly, and work with us every step of the way. His knowledge, patience, professionalism, and dedication helped us find solutions to our financial struggles and get everything back on track.

What we appreciated most was that he genuinely cared about helping us and always made himself available to answer our questions and guide us through the process. What once felt overwhelming became much more manageable because of his help.

We are extremely grateful for everything he has done for us. His support has given us peace of mind and helped us move forward with much more confidence."

— Zahir and Sherin

"I had a great experience working with Akbar Hajiani as my broker while getting a mortgage for my first house. Akbar was knowledgeable, responsive, and guided me through the process with ease as well as answered all my questions promptly and helped me find the best options and rates for my specific situation. I highly recommend contacting and working with Akbar for any mortgage services you may need."

— Brandon Mackinnon
Find your numbers

Mortgage Calculators

Estimate your payments or check how much home you can afford based on Canadian mortgage rules.

Mortgage default insurance $19,000.00
Required if down payment is less than 20%
Total mortgage required $494,000.00

Estimated Payment

$2,955.08 / month
Base Loan: $475,000.00
Mortgage default insurance $14,411.26
Required if down payment is less than 20%
Total mortgage required $480,226.10

Maximum Purchase Price

$540,815.00
Monthly Mortgage Payment: $2,872.82

These calculations apply standard Canadian semi-annual compounding rules and qualification guidelines. Real-world approvals depend on detailed debt service ratios (GDS/TDS), credit history, and specific lender criteria. Book a call today to analyze your unique financial scenario.

Frequently Asked Questions

Questions, Answered

Clear answers to help you navigate your mortgage journey with confidence.

Why should I work with an independent mortgage broker instead of my bank? +
Your bank branch can only offer you the specific products on their shelf. As an independent mortgage advisor, I shop across 55+ top Canadian lenders (including major banks, credit unions, and specialized lenders) to find the right terms, rates, and flexibility for your specific situation.
What do I need to qualify for a mortgage in Alberta? +
Lenders evaluate four main pillars: your credit score, income structure, employment history, and existing monthly debt obligations. You do not need a perfect setup to get approved. We can review your scenario together to see exactly where you stand today and map out the practical steps to secure your approval.
Why do I need a mortgage preapproval before shopping for a home? +
A preapproval establishes your true buying power so you can shop within a realistic budget and avoid falling in love with a property out of reach. Where applicable, it can also include an optional rate hold for up to 120 days to shield you from potential market increases while you search. Having a formal preapproval also signals to real estate agents and sellers that you are a serious buyer, giving your offers much stronger leverage during negotiations.
Can I pay off credit card debt with my mortgage? +
Yes. You can refinance your existing mortgage to tap into your home equity and clear high-interest credit card balances. Consolidating double-digit interest debt into your lower mortgage rate lets you roll everything into one manageable payment, saving thousands in interest and improving overall monthly cash flow.
How does debt consolidation using my home equity work? +
Replacing high-interest credit cards or personal loans with a mortgage lowers your overall monthly costs. By refinancing your property, we roll those high-interest balances into a single loan with a significantly lower interest rate, freeing up immediate cash flow and simplifying your monthly obligations.
Will breaking my current mortgage early trigger a massive penalty? +
It depends entirely on your lender and mortgage type. Fixed-rate mortgages at major banks often use Interest Rate Differential calculations that can be expensive. I analyze your current contract to calculate exact penalty costs and determine if refinancing or transferring makes actual financial sense for you.
Do I have to pay for your mortgage advisory services? +
In the vast majority of standard residential mortgage transactions, my services cost you nothing. I am compensated directly by the lender when your mortgage completes. On rare occasions where a complex or alternative lending situation requires a broker fee, every single detail is fully disclosed upfront before you make any decisions.
What if I feel overwhelmed and do not know where to start? +
You do not need to have all the answers or paperwork ready before reaching out. The simplest starting point is a quick, casual conversation about your real estate and financial goals. Whether you are looking to buy a home in Calgary, consolidate debt, or review an upcoming renewal, my role is to clear away the confusion and build a practical roadmap for you. You bring your goals, and I will handle all the heavy lifting and technical guidelines.
Does checking my mortgage options hurt my credit score? +
No. Initial strategy discussions and soft evaluations do not impact your credit score. When we run a formal credit check for pre-approval, credit bureaus group multiple mortgage inquiries made within a short window as a single inquiry to protect your rating.
Next Steps

Ready to Take the Next Step?

Choose the path that works best for your timeline and comfort level.

Prefer to Talk First?

Have questions about your scenario or want to explore your options before applying? Select a convenient time on my calendar and let's have a quick, zero-pressure chat.

Schedule a Call →

Ready to Get Started Right Away?

Moving forward with a purchase, refinance, debt consolidation, or renewal? Fill out our secure online application to kickstart your pre-approval process.

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