Sin Lovrić
Mortgage Specialist - 587-899-8400


Sin Lovrić is an experienced and knowledgeable mortgage advisor servicing and helping clients all over Canada focusing mainly in Calgary and surrounding areas. His banking background with the major institutions within Canada such as Royal Bank of Canada, Bank of Montreal, CIBC, and now Scotiabank allows him to navigate the mortgage process and ensure you not getting only the best mortgage rate and the right product but also unforgettable customer experience.

Sin can help you with purchasing a home, refinance, finance your investment property, equity takeout’s or getting mortgages for self-employed and New to Canada residents. Sin strongly believes that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. Sin is here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.

Clients do take advantage of his expertise to help them secure the best possible rates and find right solutions. Knowing that every client is unique, Sin looks for value-added solutions to meet needs of each and every client. Sin has built a large client base by gaining the trust of each client, one at a time. Sin is fluent in three languages English, French and Serbo-Croatian that enabled him to connect with people with different backgrounds and provide product solutions to clients in a language they are the most comfortable with.

Contact Sin today and get a free quote and overview of current market conditions affecting the mortgage market!

A mortgage advisor you can trust!


Debt Consolidation
Use the equity you already have in your home to lower interest payments on bad debts and reduce payees.

First Time Buyers
Let me help you with one of the biggest financial and lifestyle decisions you will make. I will get you the best rate and minimize any penalties.

Renovation Financing
If you are building a new home or renovating your property, Sin has excellent financing options to help you out.

Investment Properties
Looking to invest in a second piece of property? Thinking about a vacation or recreational property? Sin Can help you!

Mortgage Pre-Approval
Find out how much you can afford before you go house hunting! This will keep you focused on shopping for homes within your price range.

Mortgage Portability
Are you considerating a move? What are the benefits of mortgage portability? It's wise to begin by talking with a experianced mortgage advisor.

Renew or Switch
It's most likely that your current lender will offer you a rate that is not the best one on the market. Sin can show you how to obtain the best rate and options for your unique situation.

New To Canada
Now that you're ready to settle in Canada, I have mortgage and real estate info to help you make decisions to find a safe, affordable home.

Self Employed
Entrepreneurship is not always rewarded when it comes to mortgaging your next home. At Scotiabank we have some smart options for self-employed professionals to suit your needs.

Vacation Homes
More Canadians than ever before are now spending quality time in their own vacation property.

Mortgage Resources

Below you will find a wide variety of resources and information relating to the mortgage process.
Please feel free to contact me in case you have any questons.

Equifax compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history including your FICO score. Now you can view your credit report online enabling you to monitor your credit and monitor your score while protecting yourself from identity theft. Before making major purchases, such as buying a home or car, you can see exactly what information is available to potential lenders.

Genworth Financial assists families with mortgages, protects families through insurance and helps customers secure their financial future.

Backed by 60 years of experience, we work with community organizations, the private sector, non-profit agencies and all levels of government to help create innovative solutions to today's housing challenges, anticipate tomorrow's needs, and improve the quality of life for all Canadians.

Each year, the Municipal Property Assessment Corporation (MPAC) prepares an assessment roll for every Ontario municipality. The roll provides the assessed value of all the properties in a municipality or in the jurisdiction of a school board with taxing authority. MPAC also prepares supplementary assessment lists, which municipalities use to add in-year tax revenue from new construction or major alterations to properties.

Canada Revenue Agency:
The Canada Revenue Agency (CRA) administers tax laws for the Government of Canada and for most provinces and territories; and various social and economic benefit and incentive programs delivered through the tax system.

Trans Union Canada:
Trans Union Canada is another consumer credit reporting agency providing credit reporting services to Canadian consumers. Trans Union Canada is also a great source of credit-related information.

The Bank of Canada:
The Bank of Canada is the nation's central bank. It is responsible for Canada's monetary policy, bank notes, financial system and funds management.

Appraisal Institute of Canada:
Appraisal Institute of Canada is the premier real estate appraisal association in Canada. The institute is a self-regulating body whose mission is to protect the public interest by ensuring highest standards, practices and professional conduct in real estate appraisals.


Due to fluctuating financial markets, mortgage rates do change often! Contact Sin today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting the mortgage market.

Mortgage Calculator

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