ADAM WAYNEMortgages & Wealth
Adam Wayne • Mortgage professional & financial advisor

Mortgage advice. Protection. Long-term wealth.

Whether you are buying your first or next home, renewing, refinancing, investing in real estate or planning for your family's future, I help you compare the options and move forward with a clear strategy.

Choose a consultation →Explore tools & resources
MortgagesPurchase, renewal and refinance
ProtectionLife insurance planning
InvestmentsStrategies built around your goals
Planning tools

Turn possibilities into numbers.

Explore a mortgage scenario, build a homeownership budget or see how long-term investing and regular contributions can compound over time.

Mortgage pre-qualification estimate

Enter your income, debts and proposed purchase details to see how the scenario compares with standard debt-service guidelines.

Property tax: 1% of purchase price annuallyHeating: $100 monthlyQualification rate: greater of 5.25% or contract rate + 2%
Estimated ratio resultWithin standard ratios
Estimated mortgage$495,000
Qualifying payment$3,446
Gross debt service (GDS)37.8%
Total debt service (TDS)42.8%

Planning estimate only—not a pre-approval or lending decision. Uses 39% GDS and 44% TDS reference limits. It does not include mortgage-default insurance premiums, condo fees, rental income treatment, credit history or lender-specific policies. Contact Adam for a complete qualification review.

Homeownership budget

Estimate your complete monthly housing cost using your own rate, taxes and household expenses.

Total estimated monthly commitments$3,985
Mortgage payment$2,988
Total housing cost$3,518
Share of gross income39.9%
Gross income remaining$6,015

Cash-flow estimate only. It does not include income tax, groceries, insurance, maintenance or mortgage default-insurance premiums and is not a mortgage qualification.

Investment compounding

See how an initial investment and regular monthly contributions could grow at different assumed returns.

Projected future value$290,145
Total contributed$130,000
Estimated investment growth$160,145

Illustration only. Returns are assumed, not guaranteed, and do not include fees, taxes or changes in contribution timing. Actual investment results will vary.

Mortgage tools & resources

Move forward with the right next step.

Apply securely, explore your mortgage options, prepare for your first purchase or receive practical mortgage and wealth insights.

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Apply for a mortgage

Start a secure mortgage application for a purchase, renewal, refinance or investment property.

Start your application ↗
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Mortgage Toolbox

Access helpful mortgage tools, calculators and resources from your phone or desktop.

Open Mortgage Toolbox ↗
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First-Time Homebuyer Guide

Learn the essential steps, programs and planning considerations for buying your first home.

Read the guide ↗
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Wealth Builder Newsletter

Get practical mortgage, investing and wealth-building insights delivered directly to your inbox.

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Verified Google reviews

Five-star experiences across two provinces.

Real feedback from clients who trusted Adam Wayne Mortgages with a purchase, refinance or first home in Alberta and Saskatchewan.

★★★★★
“Excellent experience working with Adam! He was professional, responsive, and made the mortgage process simple and stress-free. Highly recommend his services to anyone looking for a mortgage broker.”
Ethan NguyenGoogle review · Calgary
★★★★★
“Adam is the best. He’s truly amazing! We have been seeing many morgate brokers, but none of them can help us go with lenders A. Until we see Adam, he did it! Finally we already got approval from lender A. This is our first home buyer. We really appreciate Adam! Thank you so much again!”
Trần Thu HàGoogle review · Calgary
★★★★★
“I had an excellent experience working with Adam to refinance my mortgage. He made the entire process simple and stress-free, taking the time to explain all of my options clearly and helping me understand what would work best for my situation.”
Nezar KHGoogle review · Regina
★★★★★
“Adam was so helpful in walking me through the process of getting a mortgage for my first home. He laid out the options very clearly and took the time to go through everything in detail. He also helped me get a few home upgrades included, which was an added bonus.”
Tracey ConnGoogle review · Regina
Read Alberta reviews ↗Read Saskatchewan reviews ↗
Choose your conversation

Book the advice you need.

Select the area you want to focus on. Each conversation starts with your goals and gives you a clear next step.

01 · MORTGAGES

Mortgage strategy call

Buying, renewing, refinancing or investing in real estate? Review your numbers, lender options and next steps with Adam.

Book a mortgage call →
02 · PROTECTION

Life insurance call

Discuss coverage designed around your family, income, debt obligations and the financial security you want to create.

Book an insurance call →
03 · WEALTH

Investment planning call

Explore investment options and a strategy aligned with your goals, timeline, risk comfort and existing financial plan.

Book an investment call →
Mortgage. Protection. Wealth.

A connected strategy starts with one conversation.

Work with Adam to bring your largest financial decisions into one clear, practical plan.

Book with Adam →Serving clients across Alberta & Saskatchewan