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Financing Options


For many, owning a home is a lifelong dream. Whether you're a first-time buyer or are looking to upgrade to a larger space in Edmonton, AB, let Cheryl Wilkes Mortgages turn your vision of owning property into reality.

Your Partner in Home Ownership

At Cheryl Wilkes Mortgages, we strive to keep our residential mortgage rates competitive in Edmonton, AB. When you work with Cheryl Wilkes Mortgages, a dedicated professional will walk you through the mortgage loan process and help you secure the most favourable rate possible. Best of all, at Cheryl Wilkes Mortgages, we'll take the time to evaluate your credit history and financial standing to come up with a mortgage that works for your budget. We don't want to see our clients make the same mistakes that so many have made in recent years, so we take an open, honest approach to mortgages.

If you're ready to take on the responsibility of owning a home, Cheryl Wilkes Mortgages will help you start the process on the proper financial foot. Give us a call today, and bring yourself one step closer to having a place to call your own.


Mortgage Refinancing

Cheryl Wilkes Mortgages offers a wide range of mortgage financing options, including refinancing. Whether you are a first time home-buyer or someone who is looking for a better term and rate on their current mortgage, we are happy to provide courteous service and competitive rates.

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First Time Home Buyers Mortgage

Buying your first home is a big step. Sometimes the process of getting a mortgage gets to be intimidating, with paperwork and language that you might not understand. Allow Cheryl Wilkes Mortgages to help. We’ll make sure that you get a great rate and have a positive experience when buying your first home.

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Bad or Low Credit Mortgage

Is your credit score less than perfect? We don’t think that a bad credit score should stand in the way of your dream home. Cheryl Wilkes Mortgages is more than happy to help you get a mortgage with a reasonable rate and term.

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Flex Down Mortgage

It can be challenging to save up enough money for a down payment of 5 per cent or more, especially for first-timers. A flex down mortgage lets you pull from a credit source for your down payment in order to let you purchase your home quicker.

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Cash Back Mortgage

With a Cash-Back mortgage, the client receives a rebate on their mortgage at the time of closing of the mortgage. This rebate varies anywhere from 1% to 5% of the mortgage amount depending on the lender and term chosen.

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Purchase Plus Improvement Mortgage

Found your dream home, but it needs a little work? Trying to come up with a down payment and money for renovations can get expensive. Ask us about a purchase plus improvement mortgage for an affordable solution for paying for your mortgage and your renovations.

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Home Equity Line of Credit

Need money for a large purchase or home improvement project? We can help you explore the option of a home equity line of credit. Our staff will evaluate your current financial situation and help determine what your best financing options are.

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New to Canada Mortgage

Newcomers to Canada play an increasing role in Canada’s future population growth. CMHC and Genworth insured financing is available to borrowers with permanent and non-permanent residence status, helping newcomers to realize their dream of homeownership in Canada.

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Business for Self Mortgage (Self-Employed)

We understand that as a consultant, contract worker, or independent business owner your taxable income may not reflect your true income. With more Canadians becoming self-employed everyday certain lending institutions have developed a mortgage based on credit history and confirmation that you don't have any outstanding taxes. With this new program Canada's working population can now obtain financing with a minimum of only 10% down payment!

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