Red Deer · Sylvan Lake · Blackfalds · Lacombe · Penhold · Innisfail
Hi, I'm John. Glad you're here.
I'm John Antle, Mortgage Associate - Team Lead with Pineapple National Inc. Brandy, our dog and I live just down Highway 2, so Red Deer is part of our everyday. Before mortgages I was an investment advisor at Nesbitt Burns, and that taught me to read the fine print and listen first. Most mornings you'll find me training at the CLC, and I'm skiing Lake Louise every chance I get. My job is to find out what you're really trying to do, compare options from several lenders, and explain the trade-offs in plain language before you sign.
What working with me looks like:
- Plain answers, including "not yet" when waiting is the better move.
- Options compared on penalties and flexibility, not just rate.
- Updates by text, phone or email, so you never have to chase me.
- See today's ratesRates change often, so I'll confirm what's actually available to you.
- Get pre-approved (opens in a new tab)Start a secure online application and I'll follow up to go over what you may qualify for.
- Book a quick call (opens in a new tab)Pick a time for a no-obligation phone chat.
Call or text 403-438-0761. Texting works well for quick questions.
Posted rates as of October 27, 2026
Current 2026 mortgage rates in Alberta- 4.14%2-year fixed
- 4.19%3-year fixed
- 4.09%5-year fixed
- 3.70%5-year variable
Rates are set by lenders and may change at any time without notice. Please contact me to confirm current rates and availability before making any decisions.
Rates may not be available in certain regions. Please reach out to confirm availability.
These are our posted rates. Lenders occasionally run unposted rate sales that aren't advertised, so reach out for the most current rates.
Pineapple National Inc. posted rates, from Pineapple's rates page (opens in a new tab). Rates are subject to change without notice. Posted rates are for qualified borrowers, on approved credit (OAC), and are not a guarantee of approval or of any rate. Your rate depends on your situation, the property and the lender. Posted rates are not annual percentage rates (APRs); the APR may be higher if fees or other costs apply. Every mortgage is subject to lender approval.
Where are you right now?
Pick the situation that sounds like yours
- 01Buying my first placeDown payment, the stress test, FHSA and HBP, and what Red Deer closing really costs.
- 02Moving or upsizingPre-approval, bridge timing, porting and selling one home while you buy the next.
- 03My renewal letter arrivedShop it before you sign. Switching lenders is often simpler than people expect.
- 04Tapping my equityConsolidating debt, finishing a basement or helping a kid, with the math laid out first.
- 05I run my own businessTrades, oilfield contractors, farm families and incorporated owners with write-offs.
- 06Building or buying newCompletion and draw mortgages for Evergreen, Timberlands North, Hazlett Lake and beyond.
- 07Acreage or country propertyWells, septic, outbuildings and the lender rules that come with land in Red Deer County.
Local numbers, dated and sourced
Red Deer's market this fall
According to the Central Alberta REALTORS® Association figures reported on October 21, 2026, Red Deer recorded 137 home sales in September 2026 at an average sale price of $435,425, compared with $399,251 in September 2025. Homes took an average of 39 days to sell.
An average blends condos, townhomes and detached houses, so it says little about the specific street you're watching. What it does tell you is direction: the same type of home generally costs more than it did a year ago, while sellers are waiting a little longer for offers.
Source: rdnewsnow.com, Oct 21, 2026, citing the Central Alberta REALTORS® Association. Averages are not appraisals.
See the Red Deer September 2026 market stats carousel on Instagram (opens in a new tab)
$435,425average sale price, Red Deer, Sept 2026
137homes sold in September
39 daysaverage time to sell
How working together goes
Four steps, no surprises
- A real conversation. We talk about your income, your plans and the payment you're comfortable with, which isn't always the number a lender will approve.
- Paperwork, once. You upload documents to one secure place. I review them before any lender sees them, so problems surface early.
- Options side by side. I show you the offers that fit, including penalties, prepayment room and portability, not just the rate.
- Through to funding. I keep your realtor, lawyer and lender moving, and I'm still reachable after closing day.
On most files, the brokerage's compensation comes from the lender once your mortgage closes. If any fee would apply to you, or there's a conflict of interest, it's disclosed in writing before you commit to anything.
Hi, I'm John
Before mortgages I worked as an investment advisor at Nesbitt Burns, ran operations at Quails' Gate Winery and managed labour relations at Daimler Benz. Those jobs taught me to read the fine print, to keep a lot of moving parts on schedule, and to listen first.
Home is a short drive down Highway 2, with my wife Brandy and our dog. I train at the CLC, ski Lake Louise in winter and head into the backcountry when the snow melts.
Red Deer and the towns around it
Red Deer runs from mature, tree-lined streets in Waskasoo and Parkvale to brand-new phases in Evergreen and Timberlands North, and each comes with its own financing details. Many people who work in the city choose Sylvan Lake, Blackfalds, Penhold, Lacombe or Innisfail instead, or a few acres in Red Deer County.
Fresh from the Red Deer insights page
- Private mortgages in Red Deer: a short-term bridge with a planned way outWho private lending can help around Central Alberta, the costs that come with it, and how to plan the exit first.
- Red Deer housing market, fall 2026: prices up, pace slowerSeptember averaged $435,425, about 9% above last year, while homes took 39 days to sell.
- Legal suites in Red Deer: what lenders and the City look forRed Deer's 15% neighbourhood cap, backyard suite size rules and how rental income is treated.
Quick answers
Do you charge Red Deer borrowers a fee?
For a typical owner-occupied mortgage with a mainstream lender, the brokerage is compensated by the lender at closing, so there's no bill from me. Private and some alternative-lender files are different and may carry a fee; when that's the case, you'll see it in writing before you agree to anything.
Can we meet in person in Red Deer?
Most clients prefer phone or video calls and secure document upload, which keeps things quick. If you'd like to sit down face to face, tell me when you book and we'll sort out what works.
How early should I call before buying?
Ideally a few months before you start viewing homes. That leaves time to fix a credit report error, move savings into the right account or pay down a card that's dragging your ratios.
Will checking my options hurt my credit score?
A credit check for a mortgage application is a hard inquiry, and I only pull your credit once you've agreed to it. Shopping several lenders through one application at the brokerage avoids a string of separate bank inquiries.
Let's map out your next move
Twenty minutes on the phone usually answers more than an evening of online calculators. There's no cost to talk and no obligation to proceed.
Need a full meeting? Book a 1-hour appointment (opens in a new tab), email johnantle@gopineapple.com or use the contact form.
Photo: Red Deer River, Red Deer, AB by Kevin M. Klerks (kevinmklerks), CC BY 2.0 (darkened, cropped) · Credits
