News & Article

How much household income you need for a $500,000 mortgage in Alberta: stress test, GDS and TDS limits, worked examples for Calgary, Airdrie and Cochrane buyers.

How a guarantor mortgage works in Alberta: who qualifies, what lenders assess, the legal steps and risks, and when a guarantor helps a first-time buyer.

How long a mortgage pre-approval is valid in Alberta, how it differs from the rate hold, and what to do if it expires before you buy in Calgary.

Own a corporation in Alberta? Learn how lenders count salary, dividends and corporate income for a mortgage, which documents you need, and how to qualify.

Planning a renovation in Calgary, Airdrie or Cochrane? See how refinancing your Alberta mortgage can fund it, what it costs and how to apply.

How a non-prime mortgage works in Alberta: who qualifies, B-lender and private options, costs, and how first-time buyers in Calgary can move to a bank rate.

How a debt consolidation mortgage works in Calgary: equity limits, penalties, costs, credit impact, risks and the steps to take before you refinance.

A completion mortgage funds on possession day when you buy a new build from a builder. See how it works in Alberta, how to qualify and what to plan for.

Thinking of a co-signer for your Alberta mortgage? See who can co-sign, how lenders assess it, the risks, and how to remove a co-signer later.

What you need for a mortgage pre-approval in Alberta: documents, income and credit checks, down payment rules and how Calgary buyers can prepare.