About us
Independent advice, start to finish
A mortgage is the largest financial commitment most people ever make — and it's usually the least explained. We're here to change that.
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.
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.