Tim Lacroix is Payotte's verified mortgage broker for South Calgary, Calgary, as of June 10, 2026.
Independent selection, no commission or advertising — RECA licence, declared, 19 years of experience (since 2006), 5/5 across 239 Google reviews. Payotte score: 82/100. Data verified on June 10, 2026 (Google reviews).
Verified June 10, 2026 · recently verified
| Criterion | Progress | Score |
|---|---|---|
| Google reviews | 32/35 | |
| Experience | 26/30 | |
| Licence | 12/15 | |
| Local presence | 12/15 | |
| Bonus | 0/5 |
RECA
Licence number not published — check on the official register
Check the licence on the official register ↗
Specialty : First-time buyers, refinancing, new Canadians
Local presence : south-calgary
Why this reference : Tim Lacroix is the selected mortgage broker for South Calgary, Calgary. 1er acheteurs, refinancement, nouveaux Canadiens. Google rating 5/5 across ~239 reviews.
Why 82/100, and not 100?
The points below are not taken away from Tim Lacroix: they are simply not yet awarded, for lack of a public source to verify them. Payotte estimates nothing and invents nothing.
- No verifiable distinction found (industry award, press citation, teaching role). Absence of evidence, not evidence of absence.
- Local presence in South Calgary not confirmed. No public source proves how many files were closed in this specific sector — only the professional holds that figure.
- Licence not confirmed in the register. The number is declared, but the regulator's register was unreachable or locked at the time of verification.
Is this profile about you?
Your score is public, criterion by criterion. Up to 11 points are out of reach — not because you don't deserve them, but because no public source lets us verify them. From you, we need:
- up to 5 pts — a verifiable distinction: an industry award, a press citation, a teaching role
- up to 3 pts — your presence in South Calgary: files closed there over the past twelve months, and the address of the office that serves it
- up to 3 pts — your licence number, so we can confirm it in the register
We verify, we date it, we publish. It is free, and it buys no ranking — only an accurate profile.
Correct my profile or contact us another way or show my #1 badge ↗
Payotte is free, ad-free and commission-free. No criterion is for sale. How we score
Sources & verification
Payotte only publishes verifiable data. Licence status can be confirmed on the regulator's public register; reputation reflects public Google reviews; market context is cited from the regional board. No data is invented or paid for.
- RECA licence — to confirm on the public register ↗
- 5★ rating, 239 reviews — Google (public)
- Market context — Recherche assistée (Chrome)
- Our methodology
Frequently asked questions
Who is the best mortgage broker in South Calgary in 2026?
Tim Lacroix is Payotte's verified mortgage broker for South Calgary, Calgary, as of June 10, 2026. Independent selection, no commission or advertising — RECA licence, declared, 19 years of experience (since 2006), 5/5 across 239 Google reviews. Payotte score: 82/100. Data verified on June 10, 2026 (Google reviews).
What is the South Calgary real estate market like in 2026?
In May 2026, the MLS® HPI total residential benchmark price in Calgary's South district reached $582,300, down 1.3% year-over-year — among the most stable results in the city — reflecting resilient detached demand in a balanced market. (Source: CREB — City of Calgary Monthly Statistics Package, May 2026 (published June 1, 2026). https://www.creb.com/Housing_Statistics/documents/05_2026_Calgary_Monthly_Stats_Package.pdf (South district))
How was the best mortgage broker in South Calgary selected?
Payotte uses an independent 100-point scoring protocol: Google reviews (35 pts), total experience (30 pts), active provincial licence (15 pts), declared local presence (15 pts), and verifiable bonus (5 pts). No commission, no advertising.
Is the information on this expert up to date?
Data is captured on the date shown. The licence is assumed active at production time and verified before publication. If in doubt, check with the regulatory body (RECA).
Does Payotte earn a commission?
No. Payotte is a free, independent, ad-free service. No commission is earned and no professional pays to appear on the site.