Private and Alternative Mortgage Solutions in Red Deer and across Alberta

Private and Alternative Mortgage Solutions Tailored for Red Deer Homeowners

Flexible financing when banks turn you away, designed for Red Deer residents

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No-hassle, No-obligation. Your info is safe, and you’re in control.

We work with clients from all across Alberta including, Red Deer, Sylvan Lake, Blackfalds, Innisfail, Calgary, Edmonton and all points in between.

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Red Deer private and alternative mortgage solutions

Expert guidance on private and alternative mortgage lending in Red Deer

I know that traditional banks can’t always meet your needs. Whether you’re renovating a character home in Bower or closing fast on an acreage outside the city, I connect you with private lenders and alternative programs across Alberta. Expect clear explanations, transparent fees, and fast approvals.

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FAQs for Private and Alternative Mortgage Solutions in Red Deer, Alberta

What is a private mortgage and how is it different from a bank loan?

I’ve learned that private mortgages are funded by individuals or specialty lenders rather than major banks. In Red Deer, that means more flexible criteria and faster closings when you don’t fit traditional approval boxes.

Who in Red Deer might need alternative mortgage solutions?

I often help self-employed professionals and owners of older properties on Gaetz Avenue. If your income is irregular or your home needs renovation, I can match you with a lender who understands your situation in Alberta.

How much can I borrow with a private mortgage in Alberta?

Generally private lenders in Alberta offer 50 to 80 percent of a home’s value. In Red Deer, that could let you tap equity on your Riverside Drive property to fund renovations or investment purchases.

What fees and rates should I expect on private and alternative mortgages?

Private financing usually carries higher interest rates and lender fees compared to banks. I provide full breakdowns up front—so you know exactly what you’ll pay before you commit in Alberta’s market.

How do I apply for a private mortgage in Red Deer?

To get started, I gather your property details, income info, and credit background. Then I shop your file to private lenders across Alberta and guide you through every signature until you’re funded.

Please note: it’s always best to get in touch with me so I can answer your unique questions and ensure 100 percent accurate information.

Rated 5 Stars by Our Clients!

Rated 5 Stars by Our Clients!

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  • I really appreciate everything you did for us, Kelly! You made this part of the sale so much easier! I will be recommending you to anyone looking for a mortgage broker !!
    Kory and Janince from: Red Deer
  • Thank you for the card and gift certificate! You didn't have to do that. You are the BOMB and of course I am going to recommend you! Thanks again!! :)
    Lynn - Red Deer
  • Kelly was amazing. She helped us through every step of our mortgage. Nothing went unanswered and was extremely quick to get back to us. We would recommend Kelly to all our friends. Keep up the amaz...
    Jasmin - Red Deer
  • Even with our peculiar situation Kelly was amazing. She was knowledgeable and always had a back up plan for the back up plan when things didn't go quite as planned. She was friendly and responsive ...
    Ashley - Sylvan Lake
  • I was referred to Kelly Lukens through a friend and couldn't be happier with her services. She makes the whole mortgage process less daunting and has great knowledge to share. Kelly was able to res...
    Kristin - Red Deer

My Alberta Mortgage Service Areas

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

Kelly Lukens - Red Deer Mortgage Broker

Kelly Lukens
Trusted Red Deer Mortgage Broker

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