Deep-Rooted Alberta KNOWLEDGE
A Trusted Voice in Mortgages
Hi, I’m Cheryl Kelly, Mortgage Broker with BRX Mortgage Inc. and founder of Welcome Home Mortgage.
Born and raised in Alberta on a cattle farm in Northern Alberta, I bring over 15 years of experience in finance, 18 years in property management, and many years of firsthand experience as a landlord myself. Many of my clients, colleagues, and friends also know me from the automotive industry, where I developed a deep understanding of credit structures, consumer finance, and lender relationships — experience I now bring to the mortgage industry.
In early 2025, I decided it was time for a change — one focused more on relationships, connection, and helping people through meaningful financial decisions in a less high-pressure environment. My passion for finance and helping others never changed; I simply wanted to create a more personal and supportive experience for my clients.
Today, I help clients across Alberta navigate the mortgage process with confidence — from first-time home purchases to renewals, refinancing, acreage financing, and investment properties.
Outside of work, I’m a proud wife and mother of four — one in college and three girls who keep us busy with hockey and swimming. You can often find me working from the pool deck or the hockey rink while cheering them on.
My approach is education-first, ensuring you understand every step of your financial journey. With personalized guidance and a commitment to making the process as smooth and stress-free as possible, I’m here to help you find your way home.
Services To Meet Every Financial Goal
Purchases
Whether you are a first-time homebuyer or experienced buyer, I provide professional guidance tailored to your lifestyle with a wide range of competitive mortgage products
Self-Employed Mortgages
Entreprenours drive our economy in Alberta. Traditional lenders make it difficult for business owners to qualify. I know that taxable income doesn't always reflect your real earning power. I will help you with lending solutions that look at the full picture, to qualify for a mortgage, or access working capital.
Mortgage Renewals
Don't sign the first renewal offer you receive- Give me a call! We can shop around for an interest rate and look at strategic renewal strategies to maximize your savings, potentially saving you thousands of dollars a year. Free trusted advice.
Second Properties
Looking at a vacation property or a second home for your child while they attend university far from home or a second home for investment purposes? I can help. Lets chat and see how I can help you achieve these financial goals.
Refinancing
Optimizing your current mortgage. Refinancing is an easy way to pull out equity for that home renovation you've been putting off or consolidate debt or pay for your kids school tuition or maximize RRSP contributions and investments or access a down payment for a second home.
New To Canada
Customized lending options those wanting to purchase their first home in Canada. Let me help guide you into homeownership as a newcomer!
Acreage & Farm Financing
Specialized financing for rural properties and acreages. Rural properties often have different rules and parameters than their urban counterparts. Let me guide you to the rural Alberta life of your dreams
Purchase + Improvements Mortgage
Found that home in a perfect location, in the perfect neighborhood, but its not quite the home that you dreamed? With a purchase plus improvements mortgage you will have the funds available when you take possession to fund the repairs and upgrades and make it the perfect home for you.
Tools for Your Mortgage
Empower your decision-making with our professional-grade calculators, designed to simplify the mortgage process and help you find the perfect fit for your family.
Cheryl's knowledge and experience working in the mortgage world and ability to answer questions and approach made the process a lot more comfortable for us. I cannot recommend Cheryl enough if you are needing an experienced and knowledgeable support of any mortgage needs.
JoshThompson
Client Testimonials
Trusted guidance and stress-free closings for every home buying journey.
Thank you for the help with our renewal and getting us approved quickly. Communication was top notch!
Mark & Lisa
As a self-employed borrower, I needed someone who could look beyond declared income on my taxes to see the whole picture. Cheryl provided me options when my bank told me that I had no options and made the process so much easier than I expected. Thanks again.
Daniel M.
FAQ
Why use a mortgage broker? How much does it cost?
Mortgage Brokers have access to a wide range of mortgage products, not just a single lender's products. While banks offer their own options, I compare hundreds of mortgage solutions from the largest banks to credit unions to financial institutions to private lenders help you secure the best rates and best product for your unique situation.
My services are completely free to use. The lender pays me based on the volume and for bringing them a client. If you have credit issues, there may be a lender fee for specialized financing solutions but it is always disclosed to you.
Even though I am paid by the lender, I act in your best interest to secure you the best product and rate.
How does mortgage pre-approval work?
A pre-approval involves a preliminary review of your financial documents. It confirms your eligibility for a mortgage and gives you a clear idea of your borrowing power, helping you shop for a home with confidence.
When should I start my renewal process?
It is recommended to start your renewal process 4-6 months before your current mortgage expires. Most lenders will allow us to secure a rate hold 120 days before maturity date. This allows time to compare rates and ensure you are getting the best possible terms for your property.
Can I finance an acreage or farm?
Yes, my team and I have experience in rural and acreage financing. We understand the unique requirements of acreage property buyers including land value, zoning, and specialized lending criteria.
What lenders do you use?
As an Alberta mortgage broker, I work with a wide network of lenders of almost 60 lenders—not just one bank. This includes major banks, credit unions, and specialized lenders. My role is to compare options across the market to find a mortgage solution that best fits your needs and financial situation, whether you’re looking for the lowest rate, flexible pre-payment options, or mortgage terms tailored to your goals.
Resources to Help You Buy with Confidence
Whether you're starting your first home search or navigating a complex renewal, I've compiled essential tools and guides to simplify your journey.
Download our comprehensive PDF for everything you need to prepare for a mortgage. Learn about lenders, products, buyer requirements, down payment options and closing costs.
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Latest Updates & Market Insights
Stay informed with the latest Alberta housing market trends, mortgage renewal strategies, and knowledgeable advice from Cheryl Kelly.
Let’s Start Your Journey Home
Whether you're looking for a first-time home, a mortgage renewal, or refinancing, I am here to guide you through every step.
cheryl@welcomehomemortgage.ca
TRUSTED ALBERTA MORTGAGE SOLUTIONS • BROKERAGE BRX MORTGAGE INC.