Lucy Arruda is a Licensed Mortgage Professional with INDI Mortgage in Alberta, an Accredited Mortgage Professional (AMP), a Registered Collaborative Professional (RCP), and a Certified Divorce Specialist (CDS®). She brings more than 30 years of experience in finance, including over 20 years in the mortgage industry.

Lucy has a special focus on helping individuals and families navigate the mortgage and housing decisions that accompany separation and divorce. She helps clients explore whether they can retain the family home, finance a spousal buyout, or purchase another property, bringing clarity to decisions that can feel both financially and emotionally overwhelming.

In her role as a collaborative financial neutral, Lucy works with both spouses and their collaborative team. She brings an impartial perspective and mortgage expertise to conversations about borrowing capacity, housing options, and the financing implications of proposed arrangements. Her approach encourages respectful communication and informed decisions that consider both spouses’ needs.

Lucy also serves on the board of the Collaborative Divorce Alberta Association, supporting awareness of the collaborative process and the options available to separating families.

Her Certified Divorce Specialist (CDS®) training strengthens her understanding of the divorce process and her ability to communicate with sensitivity during major life transitions.

Alongside her divorce-focused practice, Lucy assists clients with home purchases, mortgage renewals, refinancing, reverse mortgages, and complex borrowing situations. She is known for clear explanations, practical solutions, and a caring approach that helps clients move forward with confidence.

Guidance • Solutions • New Beginnings 🩵