John Antle, Mortgage Associate | Team Lead, Pineapple National Inc.
Call 403-879-2065 · Call or text: 250-212-8512 (text)
Serving Airdrie by phone, video & in person by arrangement
Buying your first place in Airdrie, coming up for renewal, or thinking about using your equity? I’m John Antle, a Mortgage Associate with Pineapple National Inc. I compare options from many lenders and walk you through each one in plain language, so you can choose a mortgage that fits your home and your plans. I’m based in Olds, and I work with Airdrie, Crossfield, Balzac and Rocky View County clients by phone and video, or in person by arrangement.
Apply online, or book a call and John will walk you through pre-approval. Approval is not guaranteed and depends on lender review.
The latest monthly numbers for Airdrie from CREB®, the Calgary Real Estate Board. They cover resale homes sold through the MLS® system in the City of Airdrie, compared with September 2025. October figures are not out yet, so September is the newest month available as of .
CREB reports that sales in Airdrie “continued to slow in September” and slowed across all property types, with competition from the new home market and from Calgary and other nearby markets weighing on demand. New listings and inventory also fell, but sales fell faster, so months of supply rose to about four (up from August, though still 4.6% lower than a year earlier). CREB says prices eased across each property type, with the largest declines in higher-density homes.
Year to date, Airdrie has recorded 1,198 sales (down 13.1% from the same period in 2025) and 2,295 new listings (down 9.7%). The year-to-date benchmark price is $512,822. Airdrie accounted for about 5% of all sales in CREB’s region in September.
What it can mean for you: with about four months of supply, buyers generally have more homes to choose from and more time to make decisions than in a tight market, and conditional offers are easier to negotiate. That is a general observation, not a forecast. Every home and every file is different.
| Property type | Benchmark price | Change from Sept. 2025 |
|---|---|---|
| All residential | $505,800 | down 3.8% |
| Detached | $591,900 | down 4.7% |
| Semi-detached, row, apartment | Not published for Airdrie in CREB’s regional package | |
CREB’s regional package publishes Airdrie benchmark prices for all homes and for detached homes. It shows Airdrie sales by type only as a chart, so no semi-detached, row or apartment figures are given here rather than estimating them.
Airdrie’s population: 93,957 as of April 1, 2026, up 4.35% (3,913 people) from 2025, according to the City of Airdrie 2026 census (opens in a new tab).
Source: CREB® Regional Monthly Stats Package, September 2026 (opens in a new tab) (pages 3, 4 and 6), and CREB’s September 2026 news release (opens in a new tab), released and checked . CREB’s figures come from the Pillar 9 MLS® system; benchmark prices are unadjusted. A benchmark or median price describes the market, not the value of any one home. General information only, not a forecast or advice. Figures are updated monthly.
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Every file is different. These are the most common ways I help people in Airdrie and the communities around it.
Down payment, the stress test, closing costs, the FHSA and the RRSP Home Buyers’ Plan, explained step by step before you shop, whether you’re looking at a resale townhouse or a new build.
First-time home buyer guide for Airdrie →Before you sign your lender’s renewal letter, see what other lenders may offer and whether your term, payment and features still fit.
Compare your renewal offer →Access home equity for renovations or a legal secondary suite, consolidate higher-interest debt, or restructure your mortgage. We look at the full cost, including any prepayment penalty.
Refinancing in Airdrie →Pre-approval, then help comparing lenders, terms and prepayment options when you’re ready to write an offer, including moving up within Airdrie or buying in Crossfield or Rocky View County.
Start a pre-approval →Trades, contractors, commission earners and business owners: lenders read business income differently. I help you find the ones whose rules fit how you earn.
Options for income that’s hard to proveBruised credit, a consumer proposal, a bridge between properties or a property that banks won’t touch? Alternative (B) and private lenders may still have options, usually at higher rates and fees. I lay out the costs and an exit plan.
Bad credit · After bankruptcyPlain answers for common situations. John Antle works with clients in Airdrie and across Alberta by phone or video, and in person by arrangement.
Most first-time buyers start with a pre-approval, which shows what you may qualify for before you shop. I explain the down payment rules, the stress test and your closing costs, plus the FHSA and the RRSP Home Buyers’ Plan. Buying a new build? The timeline and deposits work differently, so we plan for that early.
Lender approval required. Any fees are disclosed in writing in advance.
Read the first-time buyer guide · Talk to John: 403-879-2065
Your renewal letter is a starting point, not the final word. A federally regulated lender has to send it at least 21 days before your term ends, which isn’t much time to compare. Starting about four months out gives you room to look at other lenders and, if it makes sense, switch at maturity without a prepayment penalty.
A switch requires approval from the new lender.
Compare your offer before you sign · Talk to John: 403-879-2065
A refinance replaces your current mortgage, usually to access equity for renovations or debt consolidation, or to change your rate type or term. Most lenders cap a standard refinance at 80% of your home’s value. Adding a legal secondary suite may qualify for a higher limit under CMHC’s insured refinance rules. I show the full cost, including any prepayment penalty, before you decide.
Lender approval required. Any fees are disclosed in writing in advance.
If your income is hard to prove on paper, for example self-employed, commission or rental income, some alternative lenders offer low-documentation or stated-income programs, and some private lenders lend mainly on your home equity. These options usually need a larger down payment or more equity, and they cost more than a bank mortgage. I can review your situation and explain which lenders may fit.
Lender approval required. Costs are higher than a standard mortgage, and any fees are disclosed in writing in advance.
There are often still options with bad credit, usually through alternative (B) or private lenders at higher rates and fees. The aim is a plan: a mortgage that works now, steps to rebuild your credit, and a route back to a lower-cost lender at renewal. I can review your situation privately and explain the options.
Lender approval required. Costs are higher than a standard mortgage, and any fees are disclosed in writing in advance.
You may be able to get a mortgage while you are in a consumer proposal, or soon after a bankruptcy discharge or a completed proposal, usually through alternative or private lenders at higher cost. Lenders look at your equity or down payment, your income, how you have handled credit since, and your discharge or completion date. I can explain what lenders typically look for and help you plan a route back to standard rates.
Lender approval required. Costs are higher than a standard mortgage, and any fees are disclosed in writing in advance.
A reverse mortgage lets homeowners aged 55 or older borrow against their home equity without regular mortgage payments; the loan is usually repaid when the home is sold or the owners move out. Rates are generally higher than a regular mortgage and the balance grows over time, so it suits some people and not others. I can explain the options and costs and compare them with a refinance or a home equity line of credit.
Lender approval required. Costs are higher than a standard mortgage, and any fees are disclosed in writing in advance.
Alternative (B) lenders may consider borrowers who don’t fit a bank’s standard rules, such as recent self-employment, bruised credit or high debt ratios. Private lenders focus mainly on the property and your equity. Both cost more than a bank mortgage, and terms are usually short (often one to three years for B lenders, one or two for private), so you need a clear exit plan. I work with 60+ A and alternative lenders and 200+ private lenders.
Lender approval required. Costs are higher than a standard mortgage, and any fees are disclosed in writing in advance.
A bank can only offer its own products. Working through a licensed mortgage brokerage, I can compare options across lender types and explain the trade-offs:
A lenders are mainstream lenders with standard qualifying rules. Alternative (Alt-A/B) lenders may consider situations that don’t fit those rules, such as some self-employed income or past credit issues, usually at a higher cost. Private lenders are generally short-term options with higher rates and fees. Every lender makes its own approval decision.
Many Airdrie households commute to Calgary, change jobs, add a suite or buy new from a builder. Each of those affects how lenders look at your income, your property and your timing, so we sort it out early.
For most residential mortgages the lender pays the brokerage. If a fee ever applies to your file, you will see it in writing before you commit.
Clear explanations of terms, penalties and prepayment privileges, so the decision is yours and well informed.
John is AMAZING! He has gone above and beyond for my husband and I. We wouldn't have our beautiful home if it wasn't for his help and expertise. Great personality, excellent communication. Highly recommended.
John worked on our mortgage and went above and beyond in every way possible. We had phenomenal service before, during and after the mortgage process. He is incredibly knowledgable about mortgages and finances and will do everything he can to ensure you understand your current situation and what is best for you. If there's a way to make something work for you, John will find it. Very highly recommended!
John is a pro, and in our case a miracle-worker. We felt that he was working for us as "friends and family", even though we had just met him.
He was able to work quickly to get us a very good mortgage under pressure and less-than-ideal circumstances. As first-time home-buyers, he spent a lot of additional time educating us and providing us with thorough information and good counsel about financing, and also about the home-buying process in general. He's personable, warm, professional, and has an excellent community reputation.
Working with John was a pleasure. He took what can be a stressful situation and put together a great mortgage package. As a self-employed person we had some concerns. I can't imagine John ever saying 'that's not possible'. He found solutions, knows his lenders very well and we were able to buy our home in tricky lending market conditions. I highly recommend John to make a mortgage happen for you.
John went out of his way to help me even knowing he wouldn’t be able to profit from researching and providing the info. He was also incredibly friendly and knowledgeable. Thanks again John.
Outstanding service and professionalism. We had a very complicated situation and John was the only one who could make it happen. I highly recommend this company!!
Reviews reflect individual experiences. Results vary; every application is subject to lender approval.
Airdrie sits on the QEII (Highway 2) just north of Calgary, inside Rocky View County. I help buyers and homeowners across the city and nearby:
Whether you’re looking in an established area like Old Town, Jensen or Big Springs, or in communities such as Coopers Crossing, Ravenswood, Bayside, King’s Heights, Reunion, Midtown or Prairie Springs, the mortgage steps are the same, but the property type matters. Newer communities often mean a builder contract, a longer closing and deposits paid over time, while resale homes in older areas may need a closer look at condition and an updated Real Property Report. Many Airdrie residents commute to Calgary; Airdrie Transit runs weekday Intercity Express (ICE) routes downtown and a route to CrossIron Mills and northeast Calgary (City of Airdrie transit routes (opens in a new tab)).
We can work entirely by phone and video, or meet in person by arrangement. You’ll still sign your final mortgage documents with your lawyer.
Start your pre-approval online, or book a call and tell me about your goals, your timeline and the home (or kind of home) you have in mind.
Provide your income and down payment documents securely. No office visit is needed.
I review lenders whose guidelines fit your situation and explain terms, penalties and features side by side.
Once you choose, I submit to the lender and help you work through conditions such as the appraisal, documents and, for new builds, the builder’s paperwork.
We coordinate with your lawyer to closing, and I’m here for questions, refinancing and your next renewal.
No. I’m based in Olds and work with Airdrie clients by phone and video, and in person by arrangement. You can apply online, book a call or call 403-879-2065 to get started.
Usually not. For most standard residential mortgages, the lender pays the brokerage, so there is no fee to you. Some files, such as certain private or alternative lending, can involve fees. If yours does, you will get them in writing before you decide anything.
As of October 2026, at least 5% of the first $500,000 and 10% of the portion above $500,000, for homes under $1.5 million. Homes at $1.5 million or more need 20%. At Airdrie’s September 2026 benchmark price of $505,800, the minimum works out to $25,580. You also need to budget for closing costs. The first-time buyer guide has the details.
No. A mortgage broker cannot guarantee approval or a rate, because the lender makes the final decision, and rates and lender policies change often. What I can do is review your situation, explain your options across several lenders, and help you put together a complete, accurate application.
To qualify, you generally need to show you could afford payments at a qualifying rate that is higher than your actual rate. As of October 2026, that rate is the greater of your contract rate plus 2% or 5.25% (set by OSFI for uninsured mortgages, and also used for insured mortgages). Rules can change, so we confirm the current test when you apply.
No. Alberta has no land transfer tax. Buyers still pay Land Titles registration fees for the transfer and the mortgage, plus legal fees, adjustments and usually a home inspection. Your lawyer will confirm the exact closing costs.
About four months before your maturity date, and before you sign the renewal letter from your current lender. See how to compare your renewal offer.
Often there are options. If you’re self-employed or earn commission or rental income, some alternative lenders offer low-documentation or stated-income programs, and some private lenders lend mainly on home equity. They usually need a larger down payment or more equity and cost more than a bank mortgage. Every lender still needs to see that you can carry the payments. Lender approval is required, and any fees are disclosed in writing in advance.
Yes. Along with Airdrie, I work with clients in Crossfield, Balzac, rural Rocky View County and the Calgary area, and with clients anywhere in Alberta by phone or video.
Look them up on RECA’s free public ProCheck tool at reports.myreca.ca. Mortgage brokerages and individuals in Alberta are licensed by the Real Estate Council of Alberta (RECA).
Check a licence on RECA ProCheck (opens in a new tab). Stress-test rule source: OSFI (opens in a new tab) (checked October 2026).
Questions about a purchase, a renewal or a refinance? Apply for pre-approval online, book a call with John, or call, text or email to set up a phone or video call, or an in-person meeting by arrangement.
Apply online, or book a call and John will walk you through pre-approval. Approval is not guaranteed and depends on lender review.
General information only. Approval is not guaranteed and depends on lender review.