Our Services
Residential
Residential
Mortgages
Competitive home financing tailored to your life. Whether you're purchasing your dream home or moving up the property ladder, we find the right mortgage for you.
Competitive home financing tailored to your life. Whether you're purchasing your dream home or moving up the property ladder, we find the right mortgage for you.
A residential mortgage is the cornerstone of homeownership — and getting it right can save you tens of thousands of dollars over the life of your loan. At Moneta Mortgages Inc., we don't simply submit your application to one lender. We shop your profile across our entire network of 50+ lending partners to secure the most competitive rate and the most flexible terms available to you.
Whether you're buying a detached house, a semi-detached, a townhome, or a condo, our advisors have deep experience navigating Edmonton's residential real estate market. We'll walk you through your options clearly, so you can make a confident, informed decision.
Every buyer's situation is unique. We work with a broad range of mortgage products to ensure we can match you with exactly the right solution:
Fixed-Rate Mortgages — Predictable payments, locked-in security.
Variable-Rate Mortgages — Flexibility to benefit from rate drops.
Open Mortgages — Prepay any amount, any time, without penalty.
Closed Mortgages — Lower rates with reasonable prepayment limits.
CMHC Insured — Low down payment options with mortgage default insurance.
Conventional Mortgages — 20%+ down payment, no insurance required.
Short-Term Mortgages — 1–3 year terms for maximum flexibility.
Long-Term Mortgages — 5-year and 10-year terms for rate certainty.
Our advisors make the documentation process as straightforward as possible. Typically, you'll need proof of income (pay stubs, T4s, or NOAs for self-employed borrowers), proof of employment, bank statements, and identification. We'll provide you with a personalized checklist at your consultation.
We understand Edmonton's neighborhoods — from Glenora and Windermere to Spruce Grove and Sherwood Park. Our local knowledge means we can help you understand property values, market timing, and how your purchase fits into the broader Alberta economic landscape.