Hi, I’m Rob Payne - mortgage broker, Certified Credit Professional (CCP), hockey coach, proud husband and dad to two awesome boys. I started Payneless Mortgages because I believe the mortgage process shouldn’t be stressful or confusing. With over 25 years of experience in credit and financing, I make it my mission to guide my clients through renewals, refinancing, or purchasing their first home with clarity and confidence.

Whether you’re looking to lower your payments, tap into your equity, or taking that exciting first step into homeownership - I’m here to help you make smart, stress-free mortgage decisions.

Why Work With Me?

  • Local Expertise: Based in Alberta, I understand the unique challenges in the market today.

  • Straight Talk, No Jargon: I’ll explain your options in plain language.

  • Tailored Solutions: No cookie-cutter loans — I match the mortgage to your life, not the other way around.

  • Certified Credit Professional: I bring a deep understanding of how your credit really impacts your mortgage choices.

  • Family First: As a parent, I know how important financial stability is — and I treat every client like family.