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.


Apply for your perfect mortgage now!

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:

July 15, 2016

Saskatoon Mortgage Broker: Tammy Wandzura: What is PAYMENT SHOCK?

Have you ever heard the words PAYMENT SHOCK?

payment shock










PAYMENT SHOCK is a definition used to explain a situation where a consumer is used to a specific payment and it changes to a significantly higher (possibly) in-affordable payment.

When applying for a mortgage a lender will consider your current rent or mortgage payment vs the new payment vs your income, line of work and affordability.

As an example: If you currently pay $500/month rent and your new mortgage payment is going to be $3000/month + property taxes and utilities the lender may look at the application much closer.

Typically if your income vs debt fits minimum approval guidelines the lender will approve the request, if they feel the work, industry, length of time at job etc. all make sense for long term affordability.


Meaning TODAY mortgage payments are LOW LOW LOW



saskatoon mortgage rates













Many consumers have not considered long term MORTGAGE PAYMENT SHOCK

What if:

  •  you have qualified for a new home purchase/mortgage within the maximum guidelines of your income vs debt and rates go up- even slightly?
  • what if there is a significant change to the market or economy that changes your ability to earn the same income as previous?
  • what if there are major unexpected  improvements that need to be made to home in the future?
  • what is there is a major correction in the housing sector and values are not as high as they once were or were when you purchased?

Buying a home is the ultimate dream.

Paying your own mortgage payment allows you to build your own equity

We ALL ultimately “pay rent”

The question is whether we are paying it to a landlord or to ourselves??

How can you be PRO-ACTIVE in ensuring current affordability, future affordability & make a plan that will make you MORTGAGE FREE sooner??

I can help you with a strategic plan

mortgage plan saskatoon










You will GET the lowest mortgage rate on the market

You will still have a really affordable mortgage payment

You will pay your mortgage off faster than your neighbor

You will be prepared for higher mortgage rates in the future

We will provide you the BEST Service available on the market.

My goal as your Saskatoon Mortgage Broker is FINANCIAL FREEDOM


saskatoon mortgage broker










  • Being MORTGAGE FREE sooner
  • Having a strong financial strategy going forward
  • Protecting & teaching you how to build and maintain strong credit

Call me today @ 306.933.3386

Email me @ tammy@elitemortgagechoice.com

APPLY ONLINE by clicking the link below

get started with a mortgage application



















Referrals are the biggest compliment.  Best mortgage rates. Best Service.

Mortgages simplified.













Current Rates:

1 Yr Closed 2.29 % 2.99 %
2 Yr 2.24 % 2.84 %
3 Yr 2.29 % 3.39 %
4 Yr 2.34 % 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.

Sun 24th of Jul 2016 09:46:18 AM

Please contact us for information on current unpublished rate specials.

What Our Clients Are Saying:

"Thank you very much for the excellent service. Sorry about the phone call on the day of your wedding party, but it was very much appreciated. I would definitely refer you to any of my friends. " -Chris

Join Me On Google+

Tweets by @tammywandzura:

Trusted Mortgage Broker Tips:


Who Doesn't Love a Great Deal?  Spread the Word and EARN!

Why tell your friends, family & colleagues about the Mortgage services that we can offer?

• You will receive a $50.00 Gift Certificate for every successful referral!

• For every referral (successful or not) your name will be added to a referral draw list. Annually I give away a $1,000.00 Travel Voucher to the winner!