Bespoke financial solutions from your Calgary mortgage broker.

When it comes to putting together your finances, individuals and businesses can count on BOSI Financial Inc.

We stand for our clients

Looking to avoid hidden fees
and runarounds? Talk to our
private mortgage lenders.

For mortgage approvals and refinancing, BOSI Financial offers top-tier service. Regardless of your needs, our priority is to secure the best interest rate and devise a customized plan that suits you.

Our experienced mortgage brokers in Calgary and Edmonton work with a wide array of reputable lenders, ensuring access to the most competitive rates and suitable loan options. Whether you're a first-time homebuyer or a seasoned investor, our mortgage agent team is dedicated to finding the perfect solution for you.

As dedicated mortgage professionals, Calgary is our home base, but we serve clients across the province. Leveraging our vast network of accredited lenders, including private mortgage lenders, we guarantee the best rates and features for both residential mortgages and commercial mortgages in Calgary and beyond. When you work with us, you're not just another transaction; you're part of our community-focused mortgage company committed to your financial success.

 
 

If you’re ready to buy, get pre-approved today.

Call Us 1 (800) 660-3576

 

We Guarantee On-Time Closing*

For all our clients who meet the eligibility requirements, on-time closing is possible.

Our Services

 

Mortgage Services

Are you looking to obtain a residential or commercial mortgage? We have the team to help you. We'll go over your needs and put together a solution to get you financed.

Learn more about residential and commercial mortgages.

Insurance Services

Our service-oriented professional team is here to help you get the right insurance. We offer a range of packages, from disability insurance to life insurance. Get the coverage needed to protect your family, property, and investments.

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Investments Services

BOSI Financial has access to the products and services that are key to developing your investment strategy. Connect with our team to invest in your future today.

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Mortgages using private lenders.

In many ways, a private mortgage is similar to a conventional mortgage loan from a financial institution. The fundamental difference is that the investment is privately funded by a lender who is not a bank. Clients will use private mortgage lenders when they don't qualify for an institutional mortgage loan to save time or other convenience.

When considering private lenders, Calgary is home to several accredited individuals. However, we can connect with lenders country-wide, who will look at your application on an equity basis. In some cases, you may still qualify even if you don't have a perfect credit score, current income stream or have gone through a foreclosure.

How to get the best mortgage rate.

When looking into the market, it is essential to be aware that merely looking at the lowest interest rate may not represent your mortgage's ideal strategy. Other factors, including penalty fees, need to be considered when choosing the right lending option.

For example, a mortgage rate in Calgary may have rates that differ from other geographic areas. Our lender network allows us to pull the best rate and features for your particular needs, no matter where you live.

Importantly, we can have your rates held for several months so that you can get the best rate. We can even select the lower interest rate should it become available during that period. Additionally, BOSI Financial will help you get a loan with the best combination of features for your home loan or investment property. Find out what mortgage you might qualify for - get pre-approved here.

 

Top Questions for New Home Buyers

+ Why should you use a mortgage broker?

In most cases, getting a mortgage brokers' assistance is a free service as the lender pays us to help you. We are here to save you time and money while providing unparalleled service. As mortgage brokers, we have access to a wide range of rates and lenders - from banks to private funding. Above all, we have successfully worked with many clients, each with their own unique needs. We know mortgages inside and out. A credit check and a single application, and we are on our way.

+ How much of a down payment is required?

For many homebuyers, you may purchase with as little as 5% down. For a client who meets the criteria, they may even be able to borrow that 5% down as well!

+ Do you guarantee on-time closings?

Suppose all mortgage conditions are completed on a switch application 14-days in advance, and your mortgage does not renew in time. In that case, we will cover the difference between your current interest rate and the open interest rate. Should your mortgage be completed 14-days in advance on a purchase application and the mortgage does not fund due to our error, we will pay for any interest accrued from the seller. We do not guarantee on-time closings for a refinance.

+ What is the process and how do I get started?

Whether you are looking for a mortgage or have insurance questions, we can help! Please speak to one of our team members here or begin your home buying experience through our application link. View our FAQ page for more info.

We work with many leading financial and insurance companies including

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Empower yourself to make smart financial decisions.

Tori Bosse
Broker - Founder of BOSI Financial Inc

When making a major financial decision, you want to be as prepared as possible. Take advantage of the opportunity to get the home you desire along with valuable information that can assist future investment decisions. It is my privilege to put together a team of mortgage brokers in Calgary who are familiar with the area and have the right connections to make your property dreams become a reality.

Learn about Our Company

Mortgage Broker Calgary
 

What Clients Say About Our Mortgage Brokers

I found Tori extremely knowledge, and most of all helpful and patient. There are a lot of things to consider when purchasing your first home, and each time I reached out to Tori she got back to me promptly and with the answers I needed.

- Grant T.

Tori was extremely hard working throughout the entire process of renewing my mortgage. I plan on recommending to all of my friends in the future.

- Tyler W.

When we reached out to Tori and explained our situation, she went over and above to advocate for us, and got us approved with a fantastic rate. We appreciate everything she did for us, and would recommend Tori to any of our family and friends in a heartbeat!

- Victoria W.

See more of our great Google reviews here

 
Do you feel stuck in your current home? We can help you out.⁠ ⁠ We help families, business owners, and self-employed individuals with all aspects of their mortgage and insurance needs.⁠ ⁠ We make the process easy, informative and as enjoyable as poss
What is a Rider?⁠ ⁠ A Rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy. Riders provide insured parties with options such as additional coverage, or they may even restrict or limit coverage.
We ♥️ RRSP loans. Why?⁠ ⁠ - RRSP loans can be fairly inexpensive with lower interest rates than traditional loans and longer amortizations. ⁠ ⁠ - After you fund the RRSP, you may take up to $35,000 when purchasing your first home to pay down h

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