Welcome to elitemortgagechoice.com

Our Mission:

To become the Elite Mortgage Broker choice for Saskatoon, Saskatchewan, and Alberta.

Known for our fine attention to detail, communication with our clients & our referral partners.
Most importantly, our ability to react to anything thrown at us.

We consistently exceed our client's expectation on every file and work seamlessly as a team.


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Applying for a mortgage takes only a few moments, and you can be pre-approved and Rate Locked today!
Apply today to start shopping and buying with confidence!

Latest News:

October 6, 2016

Saskatoon Mortgage Broker: Tammy Wandzura: HUGE Mortgage Rule Changes- How will they affect you?











The Finance Minister made an announcement this week EFFECTIVE October 17/2016










All insured (less than 20% down payment) home buyers must qualify at a “stress test” rate of the Bank of Canada’s posted or “benchmark rate”.  Today that is currently 4.64%

You will still PAY the low discounted rates (2.39-2.49% on a 5 year fixed) but you will be forced to show that you can afford the payment should rates go up or the economy change.

I have provided an example above of the impact that this has on the average mortgage approval above.

As of October 17/2016 you will be required to show more income or buy less of a home should you wish to buy within the same maximum price range you were pre-approved for prior to October 17/2016.

This will have a significant impact on homebuyers across the country.

There has not been a full report from the Finance Minister on the circumstances surrounding clients that are approved with closing dates over 120 days from now, or what it means for consumer choice when renewals come up.

Our membership body ‘Mortgage Professionals Canada’ – along with other members in the industry are meeting in Ottawa to get further clarification and ask for consideration to re-review.

As your Mortgage Broker; I am here to assist you in knowing the important facts & mortgage rule changes that will affect your ability to own the home of your dreams.










Please stay tuned as we will keep you updated as we learn more.

-Tammy Wandzura, Mortgage Broker AMP


Current Rates:

1 Yr Closed 2.29 % 2.99 %
2 Yr 2.19 % 2.84 %
3 Yr 2.20 % 3.39 %
4 Yr 2.39 % 3.89 %
5 Yr 2.44 % 4.64 %
7 Yr 2.99 % 5.30 %
10 Yr 3.59 % 6.10 %
Today's Prime Rate: 2.70%
Our Best Rate:
Variable rates change frequently,
contact your mortgage professional for current rates.

Wed 26th of Oct 2016 10:38:33 PM

Please contact us for information on current unpublished rate specials.

What Our Clients Are Saying:

"Tammy, once again you have exceeded our expectations! Thank you!" -Cristal Glass-Painchaud & Shawn Painchaud

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