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Your renewal letter is an offer — not a verdict
Before you sign the bank’s renewal, see what the rest of the market would actually give you.
Prime One Mortgage Group
A clearer path to the right mortgage.
Real advice for buyers, renewers, and refinancers — shopped across 40+ Canadian lenders.
The grass is greener here
Let us help you get into the home of your dreams — or the renewal and refinance that actually fits.
“Ask me anything — there are no silly mortgage questions.”
A note from Sharmilla
A bank sells its own products. We compare everyone's.
There are broadly two ways to get a mortgage in Canada: from a single institution, or from a licensed mortgage professional. A bank can only offer what's on its own shelf.
We send business to Canada's largest banks, credit unions, trust companies, and monoline lenders — so you get honest comparison before you sign.
- No cost to you on most residential deals — the lender pays us.
- One application, dozens of lenders, a single point of contact.
- We read the fine print: penalties, portability, prepayment privileges.
Recognition
Recognized by Mortgage Architects
2025 Executive Club 
2024 Gold 
2024 Master 
2024 Platinum 
2024 Executive Club 
2024 Sales Achievement 
2024 Top 50 revenue 
2024 Top 50 transactions
Mortgage insights
Short answers to the questions clients ask most
Built around real life
Mortgage advice that matches the moment you're in
01
First-time buyers
Down payment planning, pre-approval, and a clear picture of what you can actually afford before you shop.
02
Renewals & switches
Your lender's renewal letter is an offer, not a verdict. We shop it against the whole market before you sign.
03
Refinance & equity
Consolidate higher-interest debt, fund a renovation, or free up equity for an investment property.
Your advisor
Sharmilla Sharma
Mortgage Agent
Sharmilla works with first-time buyers, experienced buyers, and homeowners renewing or refinancing, with access to the best products and rates available across Canada. Whether it's a purchase, a renewal, or pulling equity out of your home to invest, she'll walk you through the options in plain language and handle the file from first call to funding day.
Google reviews
Trust us to take care of your mortgage
Prime One collects reviews on our own Google Business Profile — the listing we control. If we have helped you buy, renew, or refinance, we would be grateful for a note there.
Find us on GoogleHow it works
Four steps, no mystery
- 01
Talk it through
A short call to understand your goals, timing, and numbers. No credit pull, no obligation.
- 02
Send your details
Complete the secure application and upload documents from your phone in a few minutes.
- 03
We shop the market
We present the options that fit — rate, penalty terms, prepayment privileges, the whole picture.
- 04
Approved & funded
We coordinate with your lender, lawyer, and realtor straight through to closing day.
Ready when you are
Let's find the mortgage that fits your life.
Calgary, Alberta — serving clients across Canada