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    ArtisanArtisan Mortgages home

    A mortgage boutique. Built around you.

    Craft a better
    mortgage.

    For the life you’re building.
    And everything that comes next.

    Personal mortgage advice, with a broker who sees the whole picture.

    Let’s talk about your plans Estimate your payment

    A personal conversation. No obligation to proceed.

    Edmonton rooted.
    Alberta · British Columbia · Ontario    Explore your possibilities

    Your next chapter

    A little clarity. A world of possibilities.

    01Your first or next homeBegin with a clear budget02Renew. Refinance. Rethink.Explore your next move03Business owners & professionalsAdvice for complex income04Commercial ambitionsFinancing for your property

    19+

    Years of experience

    $337M

    Mortgage volume funded

    1,760+

    Clients served

    8

    Brokers on your side

    Experience, volume and client figures reported by the brokerage.

    Alberta
    Licensed under RECA
    British Columbia
    Licensed under BCFSA
    Ontario
    Licensed under FSRA
    Office
    Edmonton, AB T6X 1V8

    Your next chapter

    Good advice starts
    with your plans.

    From a first purchase to a growing property portfolio, find a starting point that reflects what matters to you.

    01

    Purchase a home

    Understand your budget, prepare your documents, and explore financing before you make your next move.

    Explore your options
    02

    Renew with confidence

    Review your lender’s offer and compare the rate, flexibility, and terms against your plans.

    Explore your options
    03

    Put your equity to work

    Consider a renovation, debt consolidation, or a new investment with the costs clearly explained.

    Explore your options
    04

    Business owners & professionals

    Build a clear financing picture around self-employment, incorporated income, and a more complex financial life.

    Explore your options
    05

    Commercial property

    Discuss financing for a multi-family investment, an owner-occupied building, or your next business property.

    Explore your options
    06

    Make Canada home

    Get personal guidance on the documents, down payment, and lender requirements for your first home in Canada.

    Explore your options
    More ways we can help:Private lendingSeparation & buyoutsReverse mortgagesCredit challenges
    — Our Philosophy

    The art of handcrafted mortgage advice.

    Founded by Moses Lam, Artisan Mortgages is a boutique brokerage built on the belief that financing your home should feel as considered as the home itself. We move with intention, precision, and care — at every stage.

    Boutique by design

    Every client is treated as our only client. Bespoke advice, never templated.

    Lender access

    Direct relationships with Canada's top banks, monolines, and private lenders.

    White-glove process

    From first call to closing — calm, clear, and meticulously coordinated.

    AI-powered, human-led

    Modern tools accelerate the work. Seasoned brokers craft the strategy.

    Direct access to Canada's leading lenders
    ScotiabankRBC Royal BankBMOCIBCNational BankNEO FinancialEquitable BankMCAPFirst NationalStrive FinancialHome TrustManulifeB2B BankCommunity TrustScotiabankRBC Royal BankBMOCIBCNational BankNEO FinancialEquitable BankMCAPFirst NationalStrive FinancialHome TrustManulifeB2B BankCommunity Trust
    Answer

    What is Artisan Mortgages?

    Artisan Mortgages is a boutique mortgage brokerage in Edmonton, at #3 2207 90B Street SW. Moses Lam owns the firm. Seven brokers are licensed in Alberta (RECA), British Columbia (BCFSA), and Ontario (FSRA). We arrange purchases, renewals, refinances, and private, commercial, and more complicated mortgages.

    We sit down with people who are buying, renewing, refinancing, or working through a mortgage that is not straightforward, in Alberta, British Columbia, and Ontario.

    — the figures in the banner are our own counts.

    • We are a brokerage, not a bank. We work with banks, monolines, credit unions, and private lenders.
    • You can speak with Moses Lam in Cantonese, Lukas Zapata in Spanish, Bea Nguyen in Vietnamese, or Ash Dumlao and JC Jacob in Tagalog.
    • We do not post today’s rates. The quote is for your mortgage, once we have seen the details.
    • If a reverse mortgage comes up, we compare it with a refinance or a sale. We do not advertise a CHIP rate.
    Where to start
    PathWhat it meansWhen to look at it
    Renewal or switchSame balance, a new term.The renewal letter from your bank is a starting point.
    RefinanceA new mortgage. Without mortgage insurance, that generally stops at 80% of the home’s value.You want to use equity, combine other debts, or the penalty is still worth paying.
    Private mortgageShort-term money, based more on the equity and how you will pay it off.A bank or another lender has said no, and you have a plan to pay the private loan off.
    Reverse mortgageEquity later in life, compared with a refinance or a sale.You want that comparison before anyone quotes a CHIP rate.
    New to CanadaYour status, your work, and a down payment you can show on paper.A lender’s newcomer program matches how you arrived and how you are paid.

    Sources

    — Calculator

    Slide. Calculate. Plan.

    Including CMHC insurance premiums for down payments under 20%, Canadian semi-annual compounding, and accelerated payment options.

    $750,000
    $150K$3M
    $112,500
    5%50%
    $3,600
    Your payment
    $3,733.58
    per month (principal + interest)
    Mortgage amount$637,500
    CMHC premium (2.80%)$17,850
    Total insured loan$655,350
    Loan-to-value85.0%
    Monthly P&I$3,733.58
    + Property tax / mo$300.00
    Monthly total$4,033.58
    Interest over amortization$464,725
    Get Pre-Approved

    Estimates only. Actual rates and CMHC premiums depend on lender qualification and your full financial profile.

    — The Atelier

    Meet the artisans.

    A team of seasoned brokers — multilingual, deeply experienced, and personally invested in every file we touch.

    Moses Lam, Brokerage Owner & Mortgage Broker
    FounderOver 19 yearsSpeaks Cantonese

    Moses Lam

    Brokerage Owner & Mortgage Broker

    With over 19 years of experience and great relationships with top lenders, Moses leads Artisan with integrity, transparency, and a client-first mentality on every file.

    View profile
    Lukas Zapata, Senior Mortgage Agent — Residential, Commercial & Private
    $80M+ fundedSpeaks Spanish

    Lukas Zapata

    Senior Mortgage Agent — Residential, Commercial & Private

    A former skilled carpenter who now applies the same craftsmanship to mortgages. Four years in, with over $80M funded.

    View profile
    Ash Dumlao, Mortgage Agent
    $20M+ funded annuallySpeaks Tagalog

    Ash Dumlao

    Mortgage Agent

    Originally from the Philippines and fluent in Tagalog. A background in life insurance brings a deep sense of trust, protection, and clear communication to every client.

    View profile
    Ashley Hoover, Mortgage Agent

    Ashley Hoover

    Mortgage Agent

    A craftsman's precision with an approachable touch. Ashley handcrafts personalized mortgage solutions where transparency is the foundation of every relationship.

    View profile
    Elissa Mcqueen, Mortgage Broker

    Elissa Mcqueen

    Mortgage Broker

    A Donald School of Business graduate with over a decade scaling an international brand and boutique. Elissa delivers a refined, white-glove mortgage process.

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    Ngoc Bich (Bea) Nguyen, CPA, CMA, Mortgage Broker
    Speaks Vietnamese

    Ngoc Bich (Bea) Nguyen, CPA, CMA

    Mortgage Broker

    With 17+ years as a CFO and senior finance leader, Bea brings a strategic, numbers-driven perspective to mortgage financing — from first homes and refinances to commercial lending and real estate portfolios. Her approach is built on transparency, exceptional service, and personalized strategies tailored to each client's financial picture.

    View profile
    JC Jacob, Mortgage Broker
    speaks Tagalog

    JC Jacob

    Mortgage Broker

    A Filipino-Canadian analyst by profession and mortgage strategist by passion. Drawing on a background in business analytics, JC takes a data-driven, customer-centric approach — shaping every mortgage around the client's unique goals for a process that's clear, personalized, and stress-free.

    View profile
    Cynthia Robertson, Mortgage Broker

    Cynthia Robertson

    Mortgage Broker

    A business owner turned mortgage artisan, Cynthia shapes every strategy by hand — with honesty, patience, and care that make the mortgage process feel clear, empowering, and stress-free.

    View profile

    The Artisan approach

    Clarity at every step.

    01

    Start with your plans

    We discuss your property, timing, and priorities so your broker understands the full picture.

    02

    Compare your options

    Your broker reviews the documents and walks you through suitable lenders, costs, and conditions.

    03

    Move forward together

    Get guidance through the lender’s conditions and the steps leading up to closing.

    Hear directly from clients before you choose a broker.

    Read reviews on Google
    — The Journal

    Notes from the atelier.

    Strategy, market commentary, and step-by-step guides — written by our brokers.

    View all posts
    The First-Time Buyer's Playbook for 2026
    First-Time Buyers
    April 12, 2026 8 min read

    The First-Time Buyer's Playbook for 2026

    From minimum down payments to the First Home Savings Account, here's the complete, no-jargon guide to your first mortgage in Canada.

    Moses LamMoses Lam
    Read
    Fixed or Variable? Compare the Costs and Tradeoffs
    Rates & Strategy
    March 28, 2026 8 min read

    Fixed or Variable? Compare the Costs and Tradeoffs

    Compare fixed and variable mortgages in Canada: payment changes, prepayment penalties, and flexibility. Use your timeline and budget to weigh the tradeoffs.

    Lukas ZapataLukas Zapata
    Read
    Your Renewal Is Negotiable: The Artisan Renewal Strategy
    Refinance & Renewal
    March 10, 2026 8 min read

    Your Renewal Is Negotiable: The Artisan Renewal Strategy

    Compare an Alberta mortgage renewal before you sign the bank's letter. The 120-day window, a straight switch, and when a refinance is the better path.

    Moses LamMoses Lam
    Read
    — Questions

    Straight answers, before you apply.

    Is Artisan Mortgages a mortgage broker in Edmonton?
    Yes. Artisan Mortgages is an Edmonton-based boutique mortgage brokerage. The office is at #3 2207 90B Street SW, Edmonton, AB T6X 1V8, and the team arranges purchases, renewals, refinances, private and commercial files, and complex situations such as a divorce buyout.
    Are you licensed in Alberta, British Columbia, and Ontario?
    Yes. Artisan Mortgages is licensed to operate in Alberta (RECA), British Columbia (BCFSA), and Ontario (FSRA). Clients can work with the team from Edmonton, Calgary, Vancouver, Toronto, and other communities in those provinces.
    What kinds of mortgages do you arrange?
    The brokerage works on residential purchases, renewals, refinances, self-employed files, private and commercial lending, reverse-mortgage conversations, and complex files such as a spousal buyout or a consumer proposal. Each recommendation is built around the client's income, property, and timeline — not a single-lender product list.
    How do I start a mortgage application with Artisan?
    Email moses@artisanmortgages.ca, call 1-780-952-4566, or use the contact section on this site. The first conversation is used to map your goal, documents, and likely lenders. There is no obligation to proceed.
    Do you work with more than the big banks?
    Yes. Artisan searches a panel that includes major banks, monolines, credit unions, and private lenders so the file can be matched to a lender that will actually consider it.
    Can newcomers to Canada get a mortgage with Artisan?
    Often yes, when status, employment, and down-payment source fit a lender’s newcomer program. Start on the new-to-Canada page or email moses@artisanmortgages.ca. Tagalog: Ash Dumlao or JC Jacob. Spanish: Lukas Zapata. Vietnamese: Bea Nguyen. Cantonese: Moses Lam.
    Do you have Spanish, Vietnamese, or Cantonese-speaking mortgage brokers?
    Yes. Lukas Zapata works in Spanish, Bea Nguyen in Vietnamese, and Moses Lam in Cantonese. Ash Dumlao and JC Jacob work in Tagalog. Ask for the agent by name when you write or call.
    Do you arrange private, commercial, or reverse mortgages in Edmonton?
    Yes. Private and commercial files sit with Lukas Zapata and Bea Nguyen. Reverse mortgages are compared against a regular refinance or a sale — we do not post CHIP coupons. Start on the matching page or email moses@artisanmortgages.ca.

    Let’s start with a conversation

    Your next move,
    clearly considered.

    Tell us what you’re planning. We’ll help you understand the options, the documents you’ll need, and a sensible next step.

    • A direct conversation with a broker
    • A plan built around your circumstances
    • No obligation to proceed
    Email a broker

    Opens your email app. Share your goal and preferred callback time; your broker will explain how to provide any financial documents securely.

    1-780-952-4566moses@artisanmortgages.ca

    Serving Alberta, British Columbia and Ontario. Financing is subject to lender approval. Terms of use