About
Ratefair

At Ratefair, you’ll find a team of friendly, knowledgeable experts who are committed to finding the perfect mortgage solution for you. With years of experience in the financial and mortgage industry, we understand that buying a home is a big decision and we want to make it as enjoyable and stress-free as possible. Whether you’re a first-time homebuyer or looking to refinance, we are here to answer your questions, provide guidance, and support you every step of the way. We believe in building strong, trusting relationships with our clients and are dedicated to helping you achieve your homeownership goals.

Get in Touch

Meet the Team

Sarah

Mark

David

Andrea

Veronica

Jillian

Levko

Louisa

Gary

Message David

David Tran

Mortgage Associate

David has a wealth of knowledge and over 6 years experience in the financial industry. He has assisted many clients through the lending process and enjoys working with his client’s to find the right solution for their financial needs. David also speaks Mandarin and Cantonese, making him a great asset to our team when communicating with our clients. He has always been interested in learning new languages. In his downtime, he enjoys playing basketball as well as various outdoor activities such as running and biking.

Mark Haupt

Client Relationship Manager/Mortgage Associate

With over 15 years of experience in the mortgage industry, Mark brings energy, enthusiasm, and expertise to every client he works with. Known for making the mortgage experience exciting and approachable, his personable style helps clients feel comfortable and confident every step of the way. Outside of mortgages, Mark has a passion for travel, meditation, and sharing life’s adventures with his family by his side.

Call

Jillian Little

Mortgage Associate

With over 13 years of experience, Jillian is a trusted mortgage associate dedicated to helping clients across Alberta find the right financial solutions for their needs. Known for her professionalism and personal touch, Jillian is passionate about guiding clients through every step of the mortgage process. In the summer, she loves spending quality time with her family in beautiful British Columbia.

Call

Keith Bogard

Mortgage Associate

With 8 years of experience helping clients navigate the real estate and mortgage landscape, Keith brings extensive knowledge as both a mortgage professional and licensed realtor. Whether you’re buying your first home, refinancing, or investing, he is committed to finding the best solutions tailored to your needs. His expertise ensures a seamless process from securing financing to closing the deal.

Outside of work, Keith enjoys staying active through running, kayaking, and biking, embracing the outdoors whenever he can. He also has a passion for learning new languages, always looking to expand his knowledge and connect with different cultures. Let’s turn your homeownership dreams into reality.

Call

Message Sarah

Phone-alt Envelope Wpforms

Sarah Penney

Principal Broker / Owner

Sarah is our team lead with years of experience in the financial and mortgage sector. She has experienced many different client scenarios and likes nothing more than finding her clients the right mortgage for their stage of life. In her down time, she loves to spend time with her family and enjoying the outdoors. Whether it’s walking or biking through the river valley, checking out the local farmer’s markets or eating at local restaurants, she loves getting out into the community.

Message Veronica

Veronica Kapur

Mortgage Associate

Veronica is a dedicated mortgage broker with strong ties to the Edmonton Indian community. Fluent in Punjabi and Hindi, she connects with clients on a personal level, ensuring clear and effective communication throughout the mortgage process. With years of experience, Veronica specializes in assisting clients new to Canada, including those with work permits seeking permanent residence.

Her passion for helping others shines through in her work; Veronica is committed to understanding her clients’ unique needs and finding the best mortgage solutions for them. She navigates the complexities of mortgage financing with ease, providing guidance and support every step of the way.

Veronica’s background in the Edmonton Indian community gives her valuable insights into the specific challenges and opportunities faced by individuals within this vibrant community. Her approach is not just about transactions but about building long-term relationships based on trust and integrity.

Whether you are a first-time homebuyer, a newcomer to Canada, or someone looking to refinance, Veronica is ready to assist you with her expertise and genuine care for her clients’ financial well-being. Connect with Veronica today to start your journey towards homeownership with confidence.

Message Levko

Levko Koper

Mortgage Associate

Levko is a dedicated mortgage broker with a passion for helping people achieve the dream of home ownership. A former professional hockey player, Levko brings the same drive and commitment to his clients that he once brought to the ice. When he’s not finding the best mortgage solutions, he’s traveling and enjoying life with his wife and three energetic boys.

Message Katie

Katie Lutz

Mortgage Associate

Katie is committed to finding the right mortgage to fit each client’s unique lifestyle and goals. While she enjoys the peaceful country life at the lake with her dog, Crawford, she’s always just a call away and ready to help with all your mortgage needs. With a calm, caring approach and a focus on personalized solutions, Katie makes the mortgage process feel smooth and stress-free.

Louisa Tennant

Unlicensed Assistant

With over 15 years of experience in the mortgage industry, Louisa is the organizational heart of the team. As an unlicensed mortgage assistant, she ensures every application stays on track from start to finish—gathering documents, managing timelines, and keeping everything running smoothly behind the scenes. Louisa’s attention to detail and genuine desire to help make her an essential part of every client’s journey to homeownership.

Message Gary

Gary Shelley

Recruitment & Growth Manager

With over 28 years in the mortgage industry, Gary brings a wealth of experience and a calm, personable approach to everything he does. He plays a key role in growing the brokerage and supporting new agent recruitment. Known for his relaxed and friendly vibe, Gary makes the journey into the mortgage world smooth and welcoming. Outside of work, he enjoys quality time with his grandkids and escaping the cold Canadian winters for the sunshine of Arizona.

Message Andrea

Andrea

Mortgage Associate

Andrea was born and raised in Edmonton and now lives in the wonderful community of Beaumont with her husband and two kids. She has always had a passion for personal finance and helping people reach their goals. Andrea is known for being extremely prompt and excellent with communication, always keeping clients informed every step of the way. She’s excited to be part of this dynamic industry and truly values building strong, trusting relationships with those she serves

Message Casey

Casey

Mortgage Associate

With an exceptional knack for understanding client needs and financial capacities, Casey helps navigate the complex process of securing suitable home loans for both first-time buyers and seasoned real estate investors. Renowned for their dedication to customer service, Casey’s approachability and transparency have cemented their reputation as a trusted guide in the world of real estate financing.

Why
Ratefair

Get in Touch

At Ratefair, we’re all about helping our clients understand the mortgage process and finding the right fit for their unique situation. We want to make things as easy as possible for you and give you the confidence that you’re getting the best rates.

Our team is diverse and highly experienced, and we really enjoy helping people become homeowners. Our simplified mortgage approval process is designed to be stress-free and give you a range of options to choose from.

We know a lot about mortgages and we’re dedicated to getting you the best rates possible. We want you to feel comfortable and confident throughout the process, so don’t hesitate to reach out to us if you have any questions. Let us help make mortgages easy for you!

Get in Touch

Mortgages Made Easy

Paperwork.

Simplifying the paperwork process.

Mortgage Magic.

Finding the mortgage that fits your life.

Celebrate.

When everything comes together.

AboutRatefair

AboutRatefair

Meet the Team

Sarah

Mark

David

Andrea

Veronica

Jillian

Levko

Louisa

Gary

David Tran

Mortgage Associate

Mark Haupt

Client Relationship Manager/Mortgage Associate

Jillian Little

Mortgage Associate

Keith Bogard

Mortgage Associate

Sarah Penney

Principal Broker / Owner

Veronica Kapur

Mortgage Associate

Levko Koper

Mortgage Associate

Katie Lutz

Mortgage Associate

Louisa Tennant

Unlicensed Assistant

Gary Shelley

Recruitment & Growth Manager

Andrea

Mortgage Associate

Casey

Mortgage Associate

Why Ratefair

Mortgages Made Easy

Paperwork.

Mortgage Magic.

Celebrate.

Email Us

Let's Talk

Schedule Time

We are Hiring!

Let's Talk

Let's Talk

Let's Talk

Let's Talk

Let's Talk

Let's Talk

Get Pre-Qualified in 60 Seconds!

About
Ratefair

About
Ratefair

Why
Ratefair