Business Details
19 Years
experience
Your Trusted Edmonton Mortgage Broker
Natalie Wellings Mortgage Broker has been serving clients since 2007, specializing in navigating the complexities of mortgage financing. With access to multiple lending institutions, we offer tailored solutions for purchases, refinances, equity take-outs, debt consolidations, and mortgages for the self-employed. Our services are provided at no cost to clients, as we are compensated by lenders. Licensed with Verico Compass Mortgage Group, we leverage a nationwide network to secure competitive rates and diverse mortgage options.Our commitment to personalized service ensures clients receive expert guidance through every step of the mortgage process, from pre-approval to renewal. We prioritize transparency, client education, and long-term financial success, fostering trust and satisfaction. Our Edmonton-based practice extends to surrounding areas, supporting first-time buyers, investors, and those seeking debt relief or home equity solutions.
Services
Mortgage Pre-Approval
Debt Consolidation
First Time Buyers
Mortgage Refinancing
Investment Properties
Reverse Mortgages
New To Canada
Self-Employed Mortgages
Flex Down Payment
Mortgage Renewals
Details
- Year established: 2007
Highlights and features
- We offer 18 years of mortgage brokering experience since 2007
- We provide access to multiple lending institutions for competitive rates
- Our services come at no cost to clients through lender compensation
- We specialize in complex cases including self-employed mortgages
- We guarantee personalized support through pre-approval to renewal
Associations and certifications
- Real Estate Council of Alberta
- Verico
What people say
Made the process easy
Very helpful
Stress-free transaction
Prompt responses
Exceeded expectations
Services
Mortgage Pre-Approval
Our mortgage pre-approval process helps determine your borrowing capacity and locks in favorable rates for 120 days. We analyze your financial situation to provide clear guidance on affordable home prices, required down payments, and potential mortgage terms. This service gives buyers confidence during house hunting while demonstrating financial readiness to realtors and sellers.
Debt Consolidation
We help clients reduce high-interest debt through home equity-based consolidation solutions. By combining multiple debts into a single mortgage payment at lower rates, clients achieve improved cash flow and simplified financial management. Our approach addresses both immediate debt relief and long-term financial stability.
First Time Buyers
Specialized support for first-time homebuyers includes education on financing options, access to government incentives, and guidance through the entire purchase process. We explain CMHC insurance requirements, down payment strategies, and pre-approval benefits while connecting clients with trusted real estate partners.
Mortgage Refinancing
Our refinancing services help clients access home equity, reduce interest costs, or consolidate debt. We analyze current mortgage terms against market conditions to identify savings opportunities, while explaining potential penalties and long-term financial impacts of new loan structures.
Investment Properties
We provide tailored financing solutions for rental property investors, including portfolio management strategies and cash flow optimization. Our services cover purchase financing, equity take-outs for expansion, and specialized programs for self-employed investors seeking competitive investment mortgage rates.
People
Natalie Wellings
Mortgage Broker
Natalie Wellings has been a licensed mortgage broker since 2007, serving Edmonton and surrounding areas. With a finance diploma and extensive industry experience, she specializes in complex mortgage solutions while maintaining a client-focused approach. Her expertise includes first-time buyer programs, debt consolidation, and investment property financing.
Questions
How much can I afford to pay for a home?
We calculate affordability based on 32% of your income for housing costs and 40% including all debt payments. We help determine realistic price ranges during pre-approval consultations.
What is a home inspection and should I have one done?
A home inspection examines major components and systems. We strongly recommend inspections to identify potential issues before purchase, typically costing $300-$500 for Edmonton properties.
What is the minimum down payment needed for a home?
Minimum 5% down payment required, with at least 5% from personal funds or family gifts. We help clients navigate CMHC insurance requirements for low down payment mortgages.
How does bankruptcy affect mortgage qualification?
We work with lenders offering post-bankruptcy mortgage solutions. Eligibility typically starts 2-3 years post-discharge with rebuilt credit and stable employment verification.
Can I use RRSP funds for a down payment?
Yes, through the Home Buyers Plan. We help clients withdraw up to $25,000 tax-free from RRSPs while explaining repayment requirements and coordinating with tax professionals.
What are closing costs when buying a home?
Closing costs typically range from 1.5-4% of purchase price, covering legal fees, property taxes, insurance, and CMHC premiums. We provide detailed cost estimates during pre-approval.
