FounderOver 19 yearsSpeaks Cantonese
Moses Lam
Brokerage Owner & Mortgage Broker
Edmonton mortgage brokerage · Alberta, British Columbia & Ontario
Mortgage advice
for the life you’re building.
Buying a home, reviewing a renewal or planning a more complex mortgage?
Start with a broker who will help you understand the options, costs and documents behind your next move.
Tell us your goal and preferred callback time. Your broker will explain how to share financial documents securely. Financing is subject to lender approval.
Edmonton rooted.
Alberta · British Columbia · OntarioExplore your possibilities
Alberta · British Columbia · OntarioExplore 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
10
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 options02
Renew with confidence
Review your lender’s offer and compare the rate, flexibility, and terms against your plans.
Explore your options03
Put your equity to work
Consider a renovation, debt consolidation, or a new investment with the costs clearly explained.
Explore your options04
Business owners & professionals
Build a clear financing picture around self-employment, incorporated income, and a more complex financial life.
Explore your options05
Commercial property
Discuss financing for a multi-family investment, an owner-occupied building, or your next business property.
Explore your options06
Make Canada home
Get personal guidance on the documents, down payment, and lender requirements for your first home in Canada.
Explore your options— 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. Our team serves clients in Alberta, British Columbia, and Ontario. 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.
- Punjabi: Aky Abrol, PMP; Korean: Nicolas Shin, MFin; Japanese: Nicolas Shin, MFin; Cantonese: Moses Lam; Spanish: Lukas Zapata; Tagalog: Ash Dumlao and JC Jacob; Vietnamese: Ngoc Bich (Bea) Nguyen, CPA, CMA.
- 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.
| Path | What it means | When to look at it |
|---|---|---|
| Renewal or switch | Same balance, a new term. | The renewal letter from your bank is a starting point. |
| Refinance | A 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 mortgage | Short-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 mortgage | Equity later in life, compared with a refinance or a sale. | You want that comparison before anyone quotes a CHIP rate. |
| New to Canada | Your 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
- FCAC — How much you need for a down payment — A down payment under 20% of the price usually means mortgage loan insurance. That is why a conventional refinance generally stops at 80% of the home’s value.
- Refinance a mortgage in Alberta — How we apply that limit, including the appraisal and the stress test.
— 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
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.
Find a mortgage broker by language
$80M+ fundedSpeaks Spanish
Lukas Zapata
Senior Mortgage Agent — Residential, Commercial & Private
$20M+ funded annuallySpeaks Tagalog
Ash Dumlao
Mortgage Agent
Ashley Hoover
Mortgage Agent
Elissa Mcqueen
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
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
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
Speaks Punjabi
Aky Abrol, PMP
Mortgage Expert
A project manager by training and a deal-structuring artisan by craft, Aky specializes in challenging files — bank declines, self-employed and complex income, refinances, and investment purchases — shaping every application around what lenders actually want to see.
View profile
Speaks KoreanSpeaks Japanese
Nicolas Shin, MFin
Mortgage Expert (Residential and Commercial)
A former bank underwriter and commercial lender turned mortgage artisan, Nicolas brings over a decade of lender-side insight to residential and commercial financing — crafting smarter solutions for rental portfolios, self-employed income, and complex transactions, from first consultation to funding.
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 GoogleNews & market updates
A clearer view of the market.
Mortgage policy Alberta
The latest briefing
Alberta approves RECA rule changes, with implementation planned for 2027
RECA's approved Alberta rule changes are expected in 2027. What mortgage clients should know about the announcement and the separate implementation timeline.
Read the briefing : Alberta approves RECA rule changes, with implementation planned for 2027Local market Essex County, Ontario
Essex County housing announcement sets different charge-reduction timelines
Essex County and local municipalities have different development-charge commitments. Questions to ask when comparing new-home contracts and financing in Ontario.
Read the briefing : Essex County housing announcement sets different charge-reduction timelinesLocal market Greater Sudbury, Ontario
Greater Sudbury funding tied to eliminating development charges
A new federal–provincial announcement targets water and sewer upgrades in Greater Sudbury. What buyers should check when budgeting for a new-build purchase.
Read the briefing : Greater Sudbury funding tied to eliminating development charges— The Journal
Notes from the atelier.
Strategy, market commentary, and step-by-step guides — written by our brokers.
First-Time Buyers
October 15, 2026 7 min read
First-Time Home Buyers in BC: 7 Property and Closing Checks
Seven checks for your first BC home: property financing, strata records, insurance, offer conditions, taxes, registered savings and closing arrangements.
Artisan Mortgages
ReadFirst-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 Lam
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 Zapata— 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 1-587-409-8147, 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. Our team’s additional languages: Punjabi: Aky Abrol, PMP; Korean: Nicolas Shin, MFin; Japanese: Nicolas Shin, MFin; Cantonese: Moses Lam; Spanish: Lukas Zapata; Tagalog: Ash Dumlao and JC Jacob; Vietnamese: Ngoc Bich (Bea) Nguyen, CPA, CMA.
Which languages do Artisan’s mortgage brokers speak?
In addition to English, our team offers these languages: Punjabi: Aky Abrol, PMP; Korean: Nicolas Shin, MFin; Japanese: Nicolas Shin, MFin; Cantonese: Moses Lam; Spanish: Lukas Zapata; Tagalog: Ash Dumlao and JC Jacob; Vietnamese: Ngoc Bich (Bea) Nguyen, CPA, CMA. 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.
Serving Alberta, British Columbia and Ontario. Financing is subject to lender approval. Terms of use