0:30 · Client story
She made the process feel manageable
A client thanks Sharmilla for the expertise and support through their mortgage journey, and would recommend her to friends and family.
About Sharmilla Sharma
Sharmilla Sharma — Calgary mortgage agent
Licensed Calgary mortgage agent Sharmilla Sharma explains the largest loan most people ever sign — then shops the market so you can compare before you commit. Mortgage solutions · Calculators · Articles · Contact.
40+
Lenders shopped
120
Day rate holds
1
Direct point of contact
Our story
Why we do it this way
Prime One Mortgage Group exists for one reason: people deserve to understand the biggest loan of their life before they sign it.
We're licensed mortgage professionals, not employees of any single lender. That means we can put a bank's offer next to a credit union's and a monoline lender's, show you the real difference over the term, and tell you which one we'd sign.
We stay in touch after closing too — with rate reviews before renewal, so your next term is planned rather than accepted.
How we work
Four things we never bend on
Plain language
No jargon, no pressure. If we can't explain it simply, we haven't understood it well enough.
Whole market
Banks, credit unions, trust companies, and monoline lenders — compared side by side.
Long term
We optimise for the total cost of your term, not the headline rate on the page.
Always reachable
One point of contact from first call to funding day, and long after it.
The team
Who you'll actually be working with
Sharmilla Sharma
Mortgage Agent
Licensed mortgage agent — Alberta
Sharmilla works with first-time buyers, experienced buyers, and homeowners renewing or refinancing, with access to the best products and rates available across Canada. Whether it's a purchase, a renewal, or pulling equity out of your home to invest, she'll walk you through the options in plain language and handle the file from first call to funding day.
Client videos
Hear it from the people she helped
Short thank-yous from recent clients — a calmer mortgage, and a first home after arriving in Canada.
1:03 · Client story
New to Canada — and a home in two years
A family thanks Sharmilla for a calm, no-stress application. Approval came through in about a week, and they have their new home.
Google reviews · Calgary
What clients say on Google
If Sharmilla helped you buy, renew, or refinance, a Google review helps other Calgary families find independent mortgage advice.
5.0 from 4 Google reviews
I can't think of a better broker, Sharmilla is simply a dedicated professional.
Sharmilla is honestly the best! We really thought we weren't going to be able to get approved, and she walked us through every step with patience and clear answers.
Sharmilla was great to work with. Very responsive and knowledgeable at her job. Would highly recommend.
I had an excellent experience working with Sharmila. She was highly knowledgeable, professional, and approachable throughout the entire process. She was consistently available to address any questions or concerns I had regarding my mortgage. She also took the time to research and compare options to secure the most competitive mortgage rates and cashback opportunities. I greatly appreciated her dedication and outstanding level of customer service. I would highly recommend Sharmila to anyone seeking a mortgage professional.
Recognition
Awards and recognition
2025 Executive Club 
2024 Gold 
2024 Master 
2024 Platinum 
2024 Executive Club 
2024 Sales Achievement 
2024 Top 50 revenue 
2024 Top 50 transactions
Let's talk about your mortgage
A first conversation costs nothing and involves no credit check.