Mobile Mortgage Advisor with CIBC in Edmonton
Mortgage advice that comes to you.
I’m Rekha Balaji. Buying your first home, moving up, renewing or switching your mortgage to CIBC? I’ll meet you where it’s convenient and walk you through every option in plain language.
- No cost to meet
- Home, office or online
- No need to bank with CIBC
Where are you in your journey?
Your first home, step by step
- Find out what you can comfortably afford before you start looking.
- Use your FHSA and RRSP Home Buyers’ Plan toward the down payment.
- Know your closing costs so there are no surprises.
Make your renewal count
- Start four to six months before your renewal date.
- Compare term, rate type and prepayment options side by side.
- See what switching your mortgage to CIBC would involve.
Buying and selling at the same time
- Compare porting your current mortgage with a new one.
- Plan bridge financing when the dates don’t line up.
- Get pre-approved before you list.
Put your equity to work
- Fund renovations, education or other large expenses.
- Roll higher-interest debt into one payment.
- Understand the costs and trade-offs before you decide.
Buying a home as a newcomer
- Options for people still building a Canadian credit history.
- A clear list of the documents usually needed.
- Plain-language guidance at every step.
- cost to meet
- $0
- free calculators
- 7
- advice with Rekha directly
- 1:1
- AI assistant
- 24/7
How I can help
Every stage of home ownership
Buying your first home
A clear plan from budget to keys, including how to use your FHSA and RRSP toward the down payment.
Learn moreMortgage pre-approval
Know your budget before you shop, so you can make an offer with confidence.
Learn moreMoving or buying your next home
Selling and buying at the same time, porting your mortgage, and bridge financing.
Learn moreRenewals and switching to CIBC
Review your options before your term ends, whether you stay or switch your mortgage to CIBC.
Learn moreRefinancing and home equity
Use the equity in your home for renovations, big expenses or consolidating higher-interest debt.
Learn moreNewcomers to Canada
Mortgage options for people building a credit history in Canada.
Learn moreSelf-employed buyers
Help putting together the income documents lenders look for when you run your own business.
Learn moreRental and second properties
Financing for a rental property, a second home or a home with a basement suite.
Learn moreWhy a mobile advisor
Big decisions deserve a real conversation
A mortgage is usually the biggest financial decision you’ll make. You should be able to ask every question, in your own space, without feeling rushed.
I come to you
Your home, your workplace, a coffee shop, or a video call. No branch visit needed.
On your schedule
Meetings arranged around your work and family, at a time you agree together.
Work with Rekha directly
Talk your options through with Rekha herself.
The process
Simple, from first question to keys
- 1
A relaxed first chat
Tell Rekha what you’re planning, at your kitchen table, your office, or by phone or video.
- 2
Your plan & pre-approval
See what you can afford, what you’ll need for the down payment and closing, and get pre-approved.
- 3
Shop with confidence
Make offers knowing your numbers. Rekha works alongside your realtor and lawyer.
- 4
Keys, and beyond
Help through closing day, and a conversation again when your renewal comes up.
Quick estimate
What would my payment be?
Estimated monthly payment
–
25-year amortization, including any default insurance. Not a rate offer.
Question at 11 pm? Ask the AI Mortgage Assistant.
Get instant, plain-language answers about down payments, pre-approvals, renewals and closing costs, any time. When you’re ready, it can pass your details to Rekha. General information only; it never asks for your SIN or account numbers.
Frequently asked questions
What is a Mobile Mortgage Advisor?
A Mobile Mortgage Advisor is a CIBC mortgage specialist who comes to you. Rekha meets clients at their home, at work, at a coffee shop, or by phone or video, at a time that suits them, instead of asking them to visit a branch.
Is there a cost to meet with Rekha?
No. There is no charge to meet with Rekha and talk through your mortgage options.
Do I need to bank with CIBC already?
No. You don’t need to be a CIBC client to talk to Rekha about buying, renewing or switching your mortgage.
How much down payment do I need in Canada?
For a one- or two-unit home you will live in, the minimum is 5% of the first $500,000 of the price and 10% of the portion from $500,000 up to $1.5 million. Homes priced at $1.5 million or more need at least 20% down. With less than 20% down, the mortgage needs default insurance. Rental properties have different rules.
What documents do I need for a pre-approval?
Usually photo ID, proof of income (recent pay stubs and an employment letter, or Notices of Assessment if you are self-employed), proof of your down payment, and details of your debts. Rekha will tell you exactly what applies to you.
When should I start thinking about my mortgage renewal?
A good time is four to six months before your renewal date. That leaves time to compare options, including switching your mortgage to CIBC, without being rushed.
Which areas do you serve?
Rekha is based in Edmonton and meets clients across the city. Meetings can also be by phone or video.
Let’s talk about your next move
Call or send a message, and Rekha will get back to you to set up a time that works for you.