It is that time of year again— 2026 Property Assessment Notices  are arriving in mailboxes across the province. Your 2026 Property Assessment Notice is the baseline for your upcoming tax bill. Is the number accurate? For many homeowners, opening that envelope brings a mix of emotions. On one hand, it is validating to see your investment grow; seeing a higher figure on paper confirms that your home has appreciated in value. However, there is a flip side to that equity boost th

Have you found the perfect plot of land and thought, "I would love to build my dream home here,"  but weren't sure how to finance the purchase before you are ready to break ground? Don't let the perfect spot slip away while waiting on construction plans. Raw land loans can help you secure the lot today. We are breaking down Raw Land Loans —a specialized financing solution for clients who want to secure their lot now and start building shortly after. Buying raw land is differe

📰 Bank of Canada Holds Steady at 2.25%: What it Means for Your Mortgage Rate stability confirmed! The Bank of Canada kept the overnight rate at 2.25% , meaning the Prime Rate for variable mortgages and HELOCs remains steady at 4.45%. Today's announcement from the Bank of Canada confirms that the target for the overnight rate will remain unchanged at 2.25% . This was a widely anticipated decision that signals a period of immediate stability in the Canadian interest rate envir

Bridge Financing: How to Buy Before You Sell (Without the Stress) 🌉🏠 Bridge the gap between your "Sold" sign and your new keys. Have you found your dream home, but the possession date is before the closing date of your current home? Don't panic! This is a common scenario in real estate, and there is a specific tool designed exactly for this moment: Bridge Financing . If you are trying to juggle moving dates and down payments, here is everything you need to know about bridg

Mortgage Renewal 101: Don’t Just Sign the Paper! ✍️🏡 Before you lock in with your current lender, let’s look at the "Big Picture." ✅ Are you getting the best rate in the market? ✅ Can we lower your monthly payments to manage "payment shock"? ✅ Is it time to consolidate debt or use your equity? Is your mortgage maturity date approaching? If you are like many homeowners, receiving that renewal letter in the mail can bring on a mix of stress and confusion. Many people simply si

Unlock Your Home's Full Potential in Alberta. Finding the "perfect" home can feel like searching for a needle in a haystack. What if you find a house in an ideal location, with the right number of bedrooms, but the kitchen is stuck in the 80s, or the basement is just unfinished concrete? Many buyers walk away, thinking they can't afford the purchase and  the necessary renovations. But what if you could finance both with one convenient mortgage? Dream home or "fixer-upper"? Wh

Choosing the right mortgage partner is one of the most important financial decisions you’ll make. Whether you work with a bank or a licensed mortgage broker  can significantly impact your interest rate , approval success, and overall experience. Here’s a clear, optimized breakdown to help you decide which option is best for securing your home loan. Choosing your mortgage path: On the left, a mortgage broker offers personalized service and access to a network of lenders. On th

Alberta teachers have now been on strike for nearly two weeks, and I’ve started receiving inquiries from educators concerned about their mortgage payments during this challenging time. Since teachers aren’t compensated while on strike, many are facing financial strain. If you're in this situation, please know that most lenders offer options like mortgage payment deferrals or skip-a-payment programs  to help ease the burden. Here’s what you should know: 🔹  During a Deferral:

🏡 Understanding Property Taxes When Buying a Home in Alberta — Learn how closing costs, TIPP plans, and reimbursements impact your...

Short-term mortgage products like the 6-month special rate can be a smart tool for homebuyers—especially in a fluctuating rate...

The Bank of Canada has announced that the overnight lending rate will remain unchanged for now. While this decision might seem uneventful...

Thinking about buying your first home but unsure how far your budget will stretch? What if your future home could help pay for itself ?...

"Breaking News: Bank of Canada Update" The Bank of Canada has announced that it will hold its policy interest rate at 2.75% , maintaining...

After seven consecutive rate cuts, the Bank of Canada holds its overnight rate at 2.75%—keeping the prime lending rate at 4.95%. With...

Taking the leap into homeownership is a major milestone, but did you know there are specific benefits designed for first-time home buyers...

🚨 Unlock Your Home’s Potential!  🏡💰 Discover a new way to access your home’s equity—without monthly payments!  Whether you need...

💳💡 #CreditScore #FinancialTips #MortgageReady" "Correcting Credit Report Errors" Recently, I received a copy of my personal credit...

Understanding the Impact of Bank of Canada Rate Announcements on Home Financing This morning, the Bank of Canada announced a reduction in...

🚨  Attention Homebuyers!  🚨 From a mortgage broker's perspective, pre-approvals aren't worth much more than the paper they're printed...

Have you ever wondered why your bank doesn’t offer you the best rate from the get-go? 🤔 It might come as a surprise, but banks often...