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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
Licensed mortgage agent · Calgary, Alberta
Calgary mortgage advice for purchase, renewal, refinance.
Licensed agent Sharmilla Sharma shops 40+ lenders for Calgary buyers, renewers, and refinancers.
The grass is greener here
Calgary purchase, renewal, and refinance advice from a licensed agent who shops 40+ lenders.
Calculators · Sharmilla Sharma · Self-employed mortgage · Investment property · Articles · Contact
“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.
Client videos
Hear it from the people she helped
Short thank-yous from recent clients — a calmer mortgage, and a first home after arriving in Canada.
0:30 · Client story
She made the process feel manageable
A client thanks Sharmilla for the expertise and support through their mortgage journey, and would recommend her to friends and family.
1:03 · Client story
New to Canada — and a home in two years
A family thanks Sharmilla for a calm, no-stress application. Approval came through in about a week, and they have their new home.
Google reviews · Calgary
What clients say on Google
If Sharmilla helped you buy, renew, or refinance, a Google review helps other Calgary families find independent mortgage advice.
5.0 from 4 Google reviews
I can't think of a better broker, Sharmilla is simply a dedicated professional.
Sharmilla is honestly the best! We really thought we weren't going to be able to get approved, and she walked us through every step with patience and clear answers.
Sharmilla was great to work with. Very responsive and knowledgeable at her job. Would highly recommend.
I had an excellent experience working with Sharmila. She was highly knowledgeable, professional, and approachable throughout the entire process. She was consistently available to address any questions or concerns I had regarding my mortgage. She also took the time to research and compare options to secure the most competitive mortgage rates and cashback opportunities. I greatly appreciated her dedication and outstanding level of customer service. I would highly recommend Sharmila to anyone seeking a mortgage professional.
Common questions
Calgary mortgage advice — common questions
Straight answers about working with an independent mortgage agent — no jargon, no pressure.
Should I use a mortgage agent or go directly to a bank?
A bank can only offer its own products. A licensed mortgage agent like Prime One Mortgage Group compares banks, credit unions, trust companies, and monoline lenders so you see the full market before you sign.
Do I need a mortgage broker for a renewal in Calgary?
Your lender's renewal letter is an offer, not a verdict. Prime One shops renewals against the wider Canadian market so you can compare rate, penalties, and prepayment options before you accept.
How much does a mortgage agent cost?
On most residential deals in Canada, the lender pays the brokerage — there is typically no direct fee to you for working with Prime One Mortgage Group.
Who is the mortgage agent at Prime One Mortgage Group?
Sharmilla Sharma is a licensed mortgage agent in Alberta with Prime One Mortgage Group under Mortgage Architects, helping buyers, renewers, and refinancers across Canada.
What is the difference between a mortgage agent and a mortgage broker in Calgary?
In Alberta, licensed mortgage agents and brokers both shop multiple lenders. At Prime One Mortgage Group, Sharmilla Sharma is a licensed mortgage agent under Mortgage Architects who compares banks, credit unions, and monoline lenders — the same independent comparison people mean when they search for a mortgage broker.
Can a self-employed or business owner get a mortgage in Calgary?
Yes — we regularly work with self-employed and business-owner files. Lenders who read business financials properly can use accountant-prepared statements so a tax-efficient return is not automatically penalised. Talk through your file before you assume a bank branch is the only option.
Do you offer private mortgages in Calgary?
Prime One is a licensed mortgage agency, not a private lender. We compare mainstream banks, credit unions, and monoline lenders first. If a file needs a specialist option, we explain that path in plain language — we do not advertise guaranteed private financing.
Can you help with investment or vacation property mortgages?
Yes — we help Calgary and Alberta clients finance investment and second properties when the file fits a lender program. Rental offsets and qualifying income differ from a primary home. Estimate a payment, then we will compare lenders for the property type.
How 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