ABOUT OUR COMPANY
Helping Canadians Build a Strong Financial Foundation
At Tower Mortgage, we believe there is no one-size-fits-all mortgage solution.
Led by Julie Cooper, Accredited Mortgage Professional with CPA and CMA designations, we combine financial expertise with personalized guidance to help clients make informed mortgage decisions with confidence.
Whether you're purchasing your first home, refinancing an existing mortgage, or navigating the process as a self-employed professional, we're committed to helping you find the right mortgage solution for your unique situation.
Personalized Mortgage Advice
Mortgage solutions tailored to your financial goals and circumstances.
Access to Multiple Lenders
Explore competitive mortgage options from a broad network of trusted lenders.
Strategic Financial Guidance
Make informed decisions with advice backed by financial expertise and industry experience.
POPULAR MORTGAGE SOLUTIONS
Mortgage Solutions for Every Stage of Homeownership
First-Time Home Buyers
Navigate the home-buying process with confidence and expert guidance from pre-approval to closing day.
Self-Employed Mortgages
Flexible mortgage options designed for entrepreneurs, contractors, and business owners.
Debt Consolidation & Refinancing
Leverage your home's equity to simplify debt, improve cash flow, and achieve your financial goals.
Investment & Vacation Property Mortgage
New Construction Mortgage & Infill Financing
ABOUT US
A Trusted Partner for Your Mortgage Journey
At Tower Mortgage, we are committed to helping clients make informed mortgage decisions through personalized service, strategic advice, and access to competitive lending solutions.
Our focus is on building long-term relationships and providing guidance that helps clients achieve financial freedom and homeownership success.
Fast & Personalized Guidance
Every mortgage journey is unique. We take the time to understand your goals and recommend solutions tailored to your financial situation.
No Fees, No Credit Checks
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WHY TOWER MORTGAGE
The Right Mortgage Starts with the Right Advice
Finding the right mortgage is about more than securing a competitive rate. It's about creating a mortgage strategy that supports your goals today and into the future.
Personalized Lending Solutions
Access to Multiple Lenders
Clear, Honest Communication
Step-by-Step Guidance
Financial Expertise You Can Trust
Dedicated Support from Start to Finish
5-Year VRM Refinance Rate Mortgage
3-Year Fixed Rate High-Ratio Mortgage
5-Year Fixed Rate High-Ratio Mortgage
5-Year VRM Rate High-Ratio Mortgage
Google Reviews
Helping Albertans Move Forward with Confidence
Michael K.
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Julie and her team were extremely attentive, easy to work with and very knowledgeable.
She was able to help not only myself, but another family member with our mortgages.
We received excellent rates and an approval that was not easy to obtain as I’m a business owner with complex financials.
I highly recommend Julie as she will get the job done and be there with you every step of the way.
Thanks again to her and the team!
Karlee A.
⭐⭐⭐⭐⭐
Thanks Julie for all your help as always! You always make it a very pain free and easy process. I also always feel supported and safe to ask all my questions!
Jill H.
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We worked with Julie to purchase our home as first time buyers. She helped us again when it was time to refinance our mortgage. Julie is very knowledgeable and she was able to help us navigate the process. Her communication was great and we felt like she was able to get us a great rate. Thanks Julie!
Chris F.
⭐⭐⭐⭐⭐
Julie provided exceptional service, fast response times, and answered every question we asked. We contacted multiple renowned brokers and Julie provided the best option and the best service. I could not recommend Julie enough!
Crystal S.
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It was a lot of paperwork and digging on our end but Julie walked us through it and got us a mortgage! We could not be happier!
Great customer service!
Tony M.
⭐⭐⭐⭐⭐
Julie was excellent!
She answered all of my questions and provided the best path forward for my wife and I. Couldn't be happier. Thanks again!
CONTACT US
A Trusted Partner for Your Mortgage Journey
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What is a Mortgage Broker?
A mortgage broker is a licensed professional that will work with multiple lenders to find you a mortgage to suit your needs. They are not employed by any one lending institute which means they are working for you, not the branch.
They have access to numerous lenders and mortgage products. When you choose an Indi Mortgage broker you will have the power of our negotiating power behind you which means the best rates and terms will be made available to you. There is usually no fee to work with a mortgage broker (if you qualify under standard lending guidelines). We are paid by way of a commission paid by the lender. Should a fee be required this is disclosed and documented upfront.
What are the costs in obtaining a Mortgage?
Some of the costs associated with obtaining a mortgage are legal fees, appraisal, home inspection, and utility hook-ups. Contact us to discuss your personalized mortgage plan.
Why is getting Pre-Approved for a Mortgage so important?
Getting a mortgage pre-approval is important for many reasons:
It’s important to know what purchase price you qualify for before you go shopping for a home. Allowing you to stay within both your budget and the amount of loan you will get approved for.
A pre-approval will provide you with the opportunity to review what you can comfortably afford; taking into account not only your mortgage payments, but the other costs of owning a home such as property taxes and utility bills. If you have not owned a home before, these amounts may be a bit surprising.
Your mortgage broker will help you take a look at the entire picture. Online calculators are great, and crunching the numbers on your own is a good start. Using an Indi Mortgage Broker will ensure you will qualify for a mortgage based on the lender’s criteria. If there are issues, it is better to discover them at the pre-approval stage so that you and your mortgage broker can work together on fixing those issues prior to your search for a home. If you are not able to qualify for a mortgage at this time, we can assist you in taking the steps necessary to qualify for a mortgage in the future.
What is the difference between an insured and uninsured mortgage?
Your mortgage is insured when you have less than 20% to put as a downpayment on your purchase. By law, lending institutions cannot lend more than 80% of the value of the home unless it is insured by CMHC (Canada Mortgage and Housing Corporation), Canada Guaranty or Genworth.
These insurers protect the lender against the default of a mortgage. The insurance is put in place, a premium is charged and this amount is added to your mortgage. A non-insured mortgage is when you have 20% or more to put as a downpayment. In most cases, there is no insurance premium charged. Occasionally, the lender may still need to have the mortgage insured through CMHC, Canada Guaranty or Genworth depending on the location of the property or type of property being purchased.