What We Do

Borrowed Down Payment

With all mortgages, you need to have at least a 5% down payment saved up. Don’t have it? Don’t worry. We have mortgages available so you can borrow the down payment from a loan or line of credit and still get the best rates available. We can even help you set up a line of credit.

This is a great way to take advantage of low-interest rates and housing prices without having to wait while you save up the down payment. The minimal amount of interest you would pay on the loan, compared to the potential higher difference in future interest rates and housing prices, puts you further ahead when you buy now. Contact us today to find out how we can help you get into your dream home.


Whether you are a first-time homebuyer or an experienced buyer, we can provide you with access to the best mortgage products and rates across Canada.

Let us educate you about no-down-payment mortgages, self-employment programs, rental purchase programs, vacation property programs, and other financing alternatives before you make your purchase. We can help you get into your new home much sooner than you expect


Nearly 60% of borrowers simply sign and send back the first renewal the lender offers them without ever shopping around for a more favourable interest rate. Homeowners should never accept a first-rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal unnecessarily costs the homeowner a lot of money on their mortgage.

Generally, it is a good idea to start shopping for a new term four to six months before your current mortgage term expires. Before you ever hear from your lender about renewing your mortgage term, have the Collin Bruce Mortgage Team shop around for you. You will be amazed at what we can accomplish on your behalf!


There are many reasons for refinancing a mortgage. You might want to stabilize your payments by changing from a variable to a fixed-rate mortgage. Perhaps you have improved your credit score and qualify for a better mortgage with a better discount. Or maybe you want to refinance a home loan to pull out equity for home improvements, investments, college expenses, or high-interest debt consolidation.

Home equity is an easy and affordable way to access the money you have accumulated in your home, especially if you have a good first mortgage in place. If you plan to remove equity from your home, you should be aware of the benefits and possible risks. Talk to a licensed mortgage professional and financial planner to discuss how you can make home equity work for you.

Vehicle Financing

We can offer a variety of services to assist with vehicle financing and re-financing, at no cost to you, for auto/trailer/boat and RV! We can often take your current auto-loan and lower the payments by extending your amortization/reducing the interest rate. If you need money for down payment on your first home, we can look at consolidating your debt to free up some cash flow. Ask us about how we can assist in getting you removed as co-signer from a vehicle loan in order to improve your debt ratio. We can also help you finance your new vehicle purchase – with access to multiple lenders we compete for the best possible interest rate. Contact us for more information on how we can help you achieve your goals with both home and vehicle ownership and financing. 

Refinance Mortgage Edmonton


CISN in the Mornings love to give back to those in need. Chris, Jack & Matt’s Grand Gesture with the Collin Bruce Mortgage Team!

Know a school in need of books or sports equipment?
A community charity doing great work, but needing more help?
Someone that just needs a hand?

Nominate below and once a month, we’ll come to the rescue with a $1,000 donation!



“Collin and his team were fantastic supporting us as we refinanced our old home and purchased our new home. His team is thorough, professional, and always helpful. It is a pleasure to recommend Collin and his team.”

Brent (Edmonton)