Bank of Canada rates rise again. How will it affect you?

Bank of Canada rates rise again. How will it affect you?

The Bank of Canada announced this week that they were increasing their overnight rate by 25 percentage points, the third such raise in less than a year. The rate increase also comes on the heels of last month’s announcement to hold the line on interest rates. The bank...

14 ways to stay warm at home without raising your heat

14 ways to stay warm at home without raising your heat

Winter is cold. That part seems pretty obvious. But when it gets really cold, it’s tempting to turn up our thermostat to keep our home—and us—warm. Turning up the thermostat, however, makes your furnace work more, increasing your gas bills. It might make you feel more...

5 ways to repurpose the snow you shovel from your sidewalk

5 ways to repurpose the snow you shovel from your sidewalk

With the deep freeze and significant snowfall over the last few weeks—and more cold and snow in the forecast—many Canadians are finding themselves forced into participating in one of our national pastimes: snow shovelling. Sometimes, shovelling snow seems like an evil...

Farewell 2017

Farewell 2017

2017 is drawing to a close, and we’re looking forward to welcoming the new year and the opportunities it may bring. It’s been a year of many mortgage rule changes, new regulations, mortgage stress test, foreign buyer tax, and more. The one thing that hasn’t changed is...

3 cost-saving programs for first-time home buyers

3 cost-saving programs for first-time home buyers

If you’re worried about the cost of buying your first home, you might be interested in several Canadian programs designed to make it easier for first-time homebuyers to get into a new home. Home Buyer’s Plan Canadian Revenue Agency’s Home Buyer’s Plan allows...

Why visit 30 lenders, when you can use just one?

Why visit 30 lenders, when you can use just one?

One of the best things about working with a mortgage broker is that it saves you time. For example, through the Mortgage Alliance network, we have access to over 30 mortgage lenders. This helps us find the best deal for your situation without requiring you to visit 30...

Bank of Canada surprises investors; keeps rates the same

Bank of Canada surprises investors; keeps rates the same

Earlier this week, the Bank of Canada announced that they are holding the line again on interest rates, keeping their overnight rate at 1%. The bank noted that several economic factors appear to be improving: Very strong Canadian growth Improved wages Robust consumer...

3 reasons to buy a home (and 4 reasons not to)

3 reasons to buy a home (and 4 reasons not to)

Buying your first home is one of the largest emotional and financial decisions you’ll ever make, so it’s critical that your decision to purchase a home is an informed one. Do the research, get the knowledge, and be informed. Although buying a home almost always seems...

Are interest rates on their way up again? Maybe not.

Are interest rates on their way up again? Maybe not.

The year is coming to an end, and it appears that the federal government has finished with significant regulatory changes affecting home ownership and mortgage lending in Canada. Their overall objective was to introduce measures intended to “cool” the housing market...

5 things you need to know about fixed mortgages

5 things you need to know about fixed mortgages

A fixed-rate mortgage is pretty much what it sounds like: a mortgage with a interest rate that is fixed. Whereas a variable rate fluctuates throughout the term of your mortgage, a fixed rate (and your monthly payment) stays the same throughout the term. A fixed rate...

Buy A Home

We Can Help Make the Biggest Purchase of Your Life Easier

Refinance Your Mortgage


You have worked hard to build the equity in your home and now might be the time to get the equity, working for you.


Renew Your Mortgage

Don’t renew your mortgage, Renegotiate it

Buy an Investment Property

Investment Properties, A Great Way To Invest Your Money

Line Of Credit

The advantage of a line of credit over a regular loan is that interest is not usually charged on the part of the line of credit that is unused, and the interest rate is usually much more attractive than traditional credit card rates.


This process will provide you with a specific dollar amount that you can afford.


The Right Mortgage means something different to everyone.

It could mean negotiating the best payment, a unique mortgage product or getting you the mortgage terms that best suit your plans. It could even mean meeting with you at your home or on your timelines. The real question is what does the Right Mortgage® mean to you?




Custom build and design your own mortgage as you see fit!


Minimizing your interest payments and increase equity.




Mortgage insurance protection suited to your needs.

When you use the Right Broker, you get the Right Mortgage.



of over 60 lenders, from major banks to private sources.



with one place to compare lenders and get the Right Mortgage for your needs.



from an independent professional who works for you.

Wow, the  process was so fast.

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They answered all my questions.

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Bryce Kirkpatrick

As a proud partner in The Mortgage Design Group, I am excited to offer a full range of financing options. The knowledge and experience I have gained over the years in the mortgage business allow me to service existing and new clients with their specific lending needs. From first time home buyers and refinances to multiple rental purchases I will ensure the process is completed professionally. Contact me today for a no-obligation consultation.

Karlen McDonald

Owner / Mortgage Consultant

As a proud partner of Mortgage Design Group, I am excited to offer a full range of financing options to my existing and new clients. Whether this is your first home or your third investment property, I have the knowledge and experience necessary to make your mortgage process smooth, professional and trouble-free. Contact me today for a no-obligation consultation – there is no charge for my services, ever!

Rachel Caldie

Mortgage Consultant

I have been involved in the financial industry as a mortgage professional since 2007 immediately following my post-secondary studies. I began post-secondary school at Lethbridge College where I received a diploma in Business Administration. I decided to further my education and received a degree from the University of Lethbridge in the Faculty of Management, majoring in Finance.

I have taken an active approach in my community by volunteering in the University of Lethbridge Alumni Association as well as the Kinette Club of Lethbridge and I sit as a senator on the University of Lethbridge Senate. I also participate weekly at the Lethbridge Curling Club.

I find it important to provide my independent, unbiased advice to ensure the correct product has been chosen to satisfy my clients’ personal needs. My local knowledge allows me to understand the area and lending capabilities.

Lisa Shimozawa

Mortgage Consultant

Having lived in Taber and Lethbridge for practically my entire life, I have enjoyed and benefited from living in areas with a strong sense of community support and involvement. I welcome the opportunity to help friends and family achieve their goals and dreams through my career in the mortgage industry. When not at work, my spare time is spent with friends and family, and some of the activities I enjoy include curling, running, and golf.

Greg Toles

Mortgage Consultant

Greg has been a mortgage associate in Alberta for 2 years and has worked in the industry for 10 years total. He has handled countless transactions, both in and out of Alberta flawlessly. And almost all of his business is by word of mouth and referrals. He has access to over 90 lending institutions to get you the best mortgage deal, and best of all; Greg’s services are FREE for you.

Greg has lived in Lethbridge for the past 16+ years. He has an 8 year old son, and a 5 year old daughter. In his down time, he enjoys curling and golfing, along with watching football and hockey. While his kids keep him busy outside of the office, he enjoys gardening/landscaping, and his other passion is his fundraising for the Poker for Diabetes Foundation, which raises money for the Canadian Diabetes Association to help send Type 1 Diabetic children to various camps for a week at a time.

As a licenced mortgage broker in Alberta with Mortgage Alliance Mortgage Design Group, Greg works for you (not the banks!) to get YOU the best mortgage deal.

Janice Krueger

Mortgage Consultant

I have lived in Lethbridge for 15 years, and truly love this area of Canada. As a person who has lived in multiple provinces, and experienced a multitude of different climates and cultures, I definitely understand what it means to be moving from one house/province/town to the next.

My role as your mortgage specialist is to ensure that you as my client are taken care of. You can expect a streamlined experience which allows you to shop for your new home and not worry about your mortgage. If you are new to the home ownership scene – you can trust that once you have been FULLY pre-approved with me, you will sleep well at night knowing that you are one step closer to home ownership.

If you or know of a young person in your life looking for guidance in home ownership, please introduce us, I will not let you down!

Mary Honey Wigle

Mortgage Consultant

Over the last 8 years of working with lenders, for lenders and with other mortgage brokers I’ve learned that the client is number one. My vested interest is to ensure that clients receive the best service and not only come back but refer me to their friends, family and colleagues. My primary goal is to secure clients in the correct product and ensure that their financial situation is optimally working for them.

I bring a professional and dedicated view to why mortgage brokers are the best option for all home owners and why I deserve your business. More importantly I can show you that you deserve the best and therefore, my expertise.

Apply online today and you won’t be disappointed!

Mortgage Design Group Inc. Mortgage Alliance