Jayden Backs Mortgage Solutions

Mortgage broker in Calgary, Alberta

Big-lender choice. Hometown-level service.

My biggest market and a huge part of my life. Roughly half of the hundreds of mortgages I have arranged are in Calgary.

$150M+ in mortgages funded · 2018 licensed since · 5.0 ★ rating from 30+ Google reviews · 50+ lenders on one application

Free and no obligation. No credit check just to talk. You deal with Jayden directly and leave with a real plan.

Calgary is my biggest market and one of the biggest parts of my life. Of the hundreds of mortgages I have arranged in my career, at least half are in Calgary: downtown condos, inner-city townhomes and infills, family homes in the established neighbourhoods, and new builds out on the growing edges. Whatever kind of Calgary purchase or renewal you are looking at, there is a good chance I have done that exact deal many times, comparing 50+ lenders to find the right fit instead of taking one bank’s word for it.

The big city down the road

For a kid growing up in Crossfield, Calgary is the big city just down the highway, the place you drive into the moment you get your licence at sixteen and taste a little freedom. I ended up living there for about six years. I did my Bachelor of Commerce at the University of Calgary, living first in a condo a couple of blocks from campus and then in a house just east of it, right by McMahon Stadium where the Stampeders play. To pay for school I worked construction, including helping build part of the Foothills Hospital, and put in my time at a large masonry company. Calgary is where my wife and I met and fell in love, and it is where our boys were born. I have a lifetime of Saddledome memories, including New Year’s Eve games against the Montreal Canadiens. And the 2004 Stanley Cup run, with the whole city wearing red and the Red Mile going wild, is what really cemented my love for the Flames. I will miss that old barn, but I am looking forward to the new arena too.

What I have financed in Calgary

Everything, and that range is exactly what makes Calgary the core of my experience. Condos in the core, townhomes, established inner-city homes, and new construction in the far southeast and beyond. Calgary is a city where entrepreneurship flourishes and there is opportunity for everybody, and I see that in the files on my desk: first-time buyers, move-up families, self-employed owners whose income does not fit a tidy box, and newcomers building a life here. Prices have climbed significantly in the last couple of years, but Calgarians are ambitious and find ways to make things happen. My job is to line up the lender and the structure that makes your way work.

The Calgary we love

My family is in the city all the time. We bike around the Glenmore Reservoir with our kids, and the pump track halfway around is where they learned to love riding. We have spent countless days in Bowness Park, up on Nose Hill, along the river pathways, and riding and hiking through Fish Creek. We love the diversity: our favourite Moroccan spot Casbah, the Brazilian churrascos that bring us back to our roots, Ten Foot Henry, Boogie’s Burgers, the best burger in the city at Class Clown, and Made by Marcus for my special treat. Kensington’s pubs and shops, the little discoveries everywhere. I think Calgary is one of the most beautiful, cleanest, most natural cities in the world, and it does not get enough credit for it. It is a great place to watch people raise families, mine included.

Buying or renewing in Calgary

Every conversation starts the same way: free, and with no obligation. I look at your numbers, explain your options in plain language, and let you decide. Let’s find the right mortgage for your corner of Calgary.

What it takes to buy at the Calgary benchmark price

The detached benchmark price in Calgary was $743,900 in July 2026. At that price the smallest down payment the federal rules allow is $49,390, or 6.6% of the price, because the minimum is 5% on the first $500,000 and 10% on the portion above it.

Cash and income needed at a $743,900 purchase price
Down paymentCash you needInsurance premiumTotal mortgage Household income needed *
Minimum6.6% of the price $49,390$27,780$722,290$150,000
10%$74,390$20,755$690,265$144,000
20%$148,780Nonenot required at 20% down$595,120$126,000

Scroll the table sideways for every column.

The first three columns are arithmetic on the price and do not depend on any interest rate, so they are exact. The income column * does depend on a rate, and is calculated at a qualifying rate of 5.6%.

Income figures are illustrative and use a qualifying rate of 5.6%, an amortisation of 25 years, and typical Calgary property tax and heating costs. Under the federal stress test you must qualify at the greater of 5.25% or your own contract rate plus two percent, so your figure depends on the rate you actually get and on your other debts. These are a guide to the order of magnitude, not an approval. The stress test itself is set out by the Office of the Superintendent of Financial Institutions. Bring me your actual numbers and I will run the real one.

Detached benchmark price by Calgary district, July 2026

In July 2026 the detached benchmark price across Calgary ranged from $490,200 in East to $1,003,800 in West, against $743,900 for the city as a whole. The minimum down payment is set by federal rule at 5% of the first $500,000 and 10% of the rest, so it follows the price.

CREB districtDetached benchmarkYear over yearMinimum down payment
West$1,003,8002.3% higher$75,380
City Centre$992,0000.9% higher$74,200
North West$770,6003.5% lower$52,060
South$719,5001.4% lower$46,950
South East$698,9003.1% lower$44,890
North$647,7004.9% lower$39,770
North East$563,9006% lower$31,390
East$490,2003.5% lower$24,510
City of Calgary you are here$743,9001.9% lower$49,390

Scroll the table sideways for every column.

CREB reports eight city districts and does not report a South West district, so there is no South West row. Detached benchmark prices for July 2026, published by Calgary Real Estate Board. Updated automatically each month.

Neighborhoods I serve in Calgary

Beltline · Bridgeland · Inglewood · Kensington · Marda Loop · Mahogany · Tuscany · Evanston

Mortgage services in Calgary

Mortgages in Calgary: FAQs

Do you actually know Calgary, or just serve it?

I lived in Calgary for about six years. I studied commerce at the University of Calgary, lived a couple of blocks from campus near McMahon Stadium, worked construction (including on part of the Foothills Hospital) to pay for school, and met my wife there. I grew up half an hour up the highway in Crossfield, keep an office on Crowchild Trail NW, and I am in the city constantly.

Do you work with buyers across all of Calgary?

Yes. Roughly half of the hundreds of mortgages I have arranged are in Calgary, in every quadrant, from condos downtown and in the Beltline to inner-city townhomes and infills to brand-new builds in the deep southeast and northwest suburbs.

Can we meet in person in Calgary?

Absolutely. Consultations happen by phone, video call, or in person. I have an office at 202-5403 Crowchild Trail NW, and I am happy to meet wherever in the city is most convenient for you. There is no cost and no obligation.

Are you licensed to arrange mortgages in Alberta?

Yes. Jayden Backs is a licensed mortgage professional in Alberta, working with BRX Mortgage Inc. and regulated by the Real Estate Council of Alberta (RECA).

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