Hi, I'm Jayne — Your Medicine Hat Mortgage Broker
I'm a licensed mortgage broker based in Medicine Hat, Alberta, and I've built my entire practice around one belief: getting a mortgage should feel manageable, not overwhelming. Whether you're buying your first home, renewing after years of payments, or navigating something more complex — I'm here to walk you through it, clearly and honestly, every step of the way.
‘Why should they pick you?’
Talking about yourself is truly one of the hardest things to do – listing out why someone should pick you is a test of vulnerability & certainly requires courage. I have been asked this, and ask myself all the time
I was born and raised in Medicine Hat as the only child of two gritty & passionate entrepreneurs. I was raised in their business – literally they had a bassinet for me in an office. My parents are local business owners in Medicine Hat for the over 40 years – they have seen it all! They have built and grown multiple businesses throughout the 40 years & I have been immersed in all of it – from a young 4 year old holding the door for their clients, to running sidewalk sales, to actively helping them build a new business in my own adult years. I have quite honestly grown up to live and breath the statement:
‘Treat people how you want to be treated.’
My depth of experience includes a business degree from U of C, real estate marketing, non profit fund development, community development, change management and a whole lot of marketing, branding and communications work. I am a process fiend & I am silly about numbers and strategy. A self proclaimed extrovert/introvert I thrive around people and I can get lost in my spreadsheets for hours.
At the base of it all – I thrive on helping people, all people.
My passion for this means I am always looking for ways to make things more simple, less stress and frankly more fun for all my clients and referral partners.
What Working With Me Looks Like
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I'll tell you what I think — not just what you want to hear. If something doesn't work, I'll tell you why and what we can do instead. If you're in great shape, I'll tell you that too. Clarity is the foundation of everything I do.
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As part of Trilogy Mortgage Corporation — the second-largest Mortgage Centre franchise in the Prairies — I have access to over 40 lenders. That means I'm shopping the market on your behalf, comparing rates and terms across banks, credit unions, and alternative lenders to find the right fit for your situation.
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rom the first conversation to the day you sign, I'm with you. I return calls. I explain things more than once if needed. I check in — not just about paperwork, but about how you're doing with the whole process. Buying or renewing a home is a big deal. I treat it like one.
The Services I Offer
Whether you're a first-time buyer, a seasoned investor, or somewhere in between, I work with clients across the full spectrum of mortgage scenarios. Every situation is different — that's exactly why having a broker who listens first makes all the difference.
First-Time Home Buyer
Buying your first home is one of the biggest decisions you'll ever make. I'll walk you through every step — from pre-approval to move-in day — so you feel confident, not confused.
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Mortgage Renewals
Your renewal is one of the best opportunities to save money — but only if you shop around. I compare 40+ lenders so you're never stuck with whatever your bank offers.
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New Build Mortgages
Building a new home in Medicine Hat? Construction financing is more complex than a standard purchase — I'll make sure yours is set up correctly from the start.
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Real Estate Investors
Growing a real estate portfolio requires the right financing strategy. I work with investors at every stage to find products that make the numbers work.
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Bad Credit Mortgages
A difficult credit history doesn't mean the door is closed. I work with lenders who specialize in finding real solutions for real situations.
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Reverse Mortgages
Homeowners 55+ can access their home equity as tax-free cash without selling or making monthly payments. I'll explain exactly how the CHIP Reverse Mortgage works.
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New to Canada
New to Canada and ready to put down roots? You have more mortgage options than you might think — I'll help you understand exactly what's available.
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Divorce
Separating your mortgage doesn't have to add to the stress. I'll help you understand your options clearly and without judgment.
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Second Mortgages
Access your home equity without disturbing your existing mortgage. I'll explain your options honestly so you know what you're getting into before you commit.
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Home Renovation
Your home equity can fund the renovation you've been putting off. Let's find the most cost-effective way to access it.
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No Down Payment Mortgages
Haven't saved a full down payment yet? There are legitimate options that can help you get into a home sooner than you think.
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Referral Partners
Are you a realtor, lawyer, or financial professional in Medicine Hat? Let's talk about working together.
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Frequently Asked Questions
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Yes. I am a licensed mortgage broker in Alberta, registered with the Alberta Mortgage Brokers Association (AMBA) and affiliated with Trilogy Mortgage Corporation.
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In most cases, no. As a mortgage broker, I'm compensated by the lender once your mortgage closes — not by you. In some situations involving alternative or private lending, a broker fee may apply, and I'll always be upfront about that before we proceed.
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Your bank offers their own products. I offer you a choice. With access to 40+ lenders, I can compare rates and terms across the market and find options your bank simply can't match — including lenders who specialize in situations banks typically decline.
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Yes. I'm licensed across Alberta and work with clients throughout the province. Most of my process can be handled remotely if needed.
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That's exactly when a broker is most valuable. I've helped clients who thought they had no options find real, workable paths forward. Reach out — there's no cost to have the conversation.
Let’s be real for a moment – mortgages can feel scary.
Asking someone to lend you $300,000 with a promise to pay it back at some point feels like a huge commitment, because well, it is! Add to that, no one wants to be left feeling like they didn’t secure the best rate, with the best lender, and the best mortgage product.
Owning real estate feels like a right of passage in Canada and it is one of the largest financial commitments we make – this is not the time to try and ‘go it alone’! Let me be your coach through this process – from the purchase, to your mortgage product & rate, to everything else in between. Think of me as your mortgage financing project coach.