Your Trusted Red Deer and Alberta Mortgage Broker

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Trusted by 900+ homeowners, just like you, from across Alberta

I have been a Red Deer Mortgage Broker - Mortgage Planner since 2007 and in the Financial Services Industry prior to that. I am a member of RECA, AMBA, CAAMP and the Red Deer Chamber of Commerce. Over the years, many clients with various mortgage requests such as refinance, renewal, equity take out, purchases and investment properties, have been pleasantly surprised with all of the options I am able to provide. My honesty and knowledge gives my clients confidence in their decisions. Referrals from satisfied clients is the goal, this helps grow my business so I can help more Canadian families and future property owners.

With all of this experience, I can suggest a plan and guide you through the process, with always keeping your home ownership goals top of mind.

I am active in my community volunteering with different non-profit organizations, such as the Sexual Assault Support Centre and numerous others. I enjoy spending time at many sports related events with my two active children. My family enjoys the outdoors, so in the summer we find time for many camping, boating and fishing trips.

There is no mortgage request too big or small, all inquiries are encouraged!

Kelly Lukens

Kelly Lukens

Red Deer Mortgage Broker

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Mortgage Broker in Red Deer, Alberta, Trusted Local Experts

Fast approvals, tailored lending advice, and insider market insights for homebuyers and investors across Central Alberta.

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Our Alberta Mortgage Lending Advantage

Fast & Easy

Lending Approvals

Low Rates

Some of the lowest rates in Alberta

98%

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Mortgages in Red Deer: Local Insights That Save You Money

Red Deer sits neatly between Calgary and Edmonton, a city of roughly 105,000 residents who enjoy stable energy-service jobs, vibrant recreation along the Red Deer River, and more attainable housing than Alberta’s largest metros. The average 2025 sale price hovers near $389,000, yet months of supply remain tight, so buyers need every edge they can get. Independent brokers deliver that edge by interpreting local wage patterns, oil-patch bonus structures, and acreage quirks the big banks often do not understand.

I can package files so lenders see the full picture, not just the raw numbers. By doing so, I frequently secure prime approvals for self-employed welders, agricultural families, and first-time buyers who might otherwise settle for higher-cost products. I also negotiate rate discounts worth thousands over a typical five-year term. That is money back in your pocket for renovations, education funds, or future real-estate investments.

Case Study: From Bank Decline to Dream Family Home

The challenge: The Johnsons from Red Deer run a mobile welding business. Despite twenty percent down, their branch declined them due to fluctuating income.

The solution: We added back legitimate business write-offs, positioned two years of Notices of Assessment, and matched them with an A-lender comfortable with cyclical cash flow.

The outcome: They locked a 4.69 % five-year fixed, saving $212 per month versus the alternative quote. Twelve months later they referred three friends, underscoring our 98% referral rate.

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Did You Know?

  • Two-thirds of people in Alberta now say they will likely use a mortgage broker for their next loan, a record high in 2025.

  • Red Deer’s current sales-to-listing ratio sits at 57 %, giving buyers a touch more negotiating room than in early spring.

Your Red Deer Mortgage Questions Answered

  • How much can I qualify for in Red Deer today?

    With average prices near $389,000, most first-time buyers secure between eighty and ninety-five percent financing, depending on credit, income stability, and down payment.

  • Are zero-down mortgages still available?

    Not for owner-occupied homes, but gifted down payments and flex-down programs exist for strong credit applicants.

  • What are current five-year fixed rates in Alberta?

    As of July 2025 they range from 4.49 % to 4.89 % for insured files.

  • Do brokers charge fees?

    Our compensation comes from the lender on prime deals; fees apply mainly to private or commercial files and are disclosed upfront.

  • Can I port my mortgage if I move within Central Alberta?

    Yes, most lenders allow porting within ninety days, preserving your rate.

  • How long does a pre-approval last?

    Typically one hundred twenty days, locking your rate while you shop.

  • I am self-employed, can I still get the best rates?

    Yes, with full-document income we place many business owners at top-tier lenders.

  • What is the minimum credit score for approval?

    A beacon above 680 opens doors to nearly all mainstream lenders.

  • Do you work evenings and weekends?

    Absolutely, many clients are on shift work and need flexible hours.

  • How accurate are online Red Deer mortgage calculators?

    They offer a ballpark figure, but a broker factors taxes, heat, and debt ratios for precision.

What Our Clients Say

“Our approval landed in twenty-two hours and the rate beat our bank’s offer by 0.35 %.” — Sarah L., Anders South
“The team walked us through every step, even joining our lawyer call.” — Martin G., Clearview Ridge
“We refinanced to fund renovations and cut our payment by $180 per month.” — Aisha P., Timberlands

My Alberta Mortgage Service Areas

Red Deer | Sylvan Lake | Innisfail | Blackfalds | Edmonton | Calgary and all across Alberta!

2025 Red Deer Housing Snapshot

  • Average home price: $389,000, up eight percent year over year

  • Median list price: $399,900

  • Months of supply: 1.48

  • Sales-to-listing ratio: 57 %

  • Typical five-year fixed rate: approximately 4.7 %

Why Choose a Mortgage Broker Over a Bank?

  • Access to dozens of competing lenders, not one posted rate

  • Custom approvals for self-employed, newcomers, and investors

  • Objective advice, we earn the same regardless of lender

  • Ongoing rate-watch service until and after closing

Our Four-Step Approval Roadmap

  • Discovery Call

    Share goals in a quick fifteen-minute chat.

  • Smart Application

    Complete our secure online form in ten minutes.

  • Lender Match & Negotiation

    We source top offers and fight for rate discounts.

  • Smooth Closing

    We liaise with appraisers, insurers, and lawyers so you relax.

Kelly Lukens - Red Deer Mortgage Broker

Kelly Lukens
Trusted Red Deer Mortgage Broker

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