News

Mortgage Refinance, Mortgages

September 20, 2026

A low home appraisal can create a problem even when you already have your down payment ready and an accepted offer on the property. I recently had a client experience exactly that. He agreed to buy a home for $200,000 with a 20% down payment, but the lender required an…

Mortgage penalty comparison worksheet for switching variable to fixed interest rates in Edmonton

Switching Variable to Fixed in Edmonton 2026: IRD vs 3-Month Interest Penalty Math

September 17, 2026

If you bought or renewed a variable-rate mortgage in Edmonton over the last few years, 2026 is the year a lot of households are asking the same two questions: should we lock a fixed term now, and what will it actually cost to get there? The honest answer is not…

Can a Car Loan Affect Your Mortgage Approval in Canada?

Mortgage Refinance, Mortgages

September 16, 2026

If you’re planning to buy a home, that new vehicle could have a bigger impact than you realize. A car loan can affect your mortgage approval because lenders look at your existing monthly debt obligations when determining how much you can afford to borrow. That means a large car payment…

Why Your Mortgage Broker’s Experience and Relationships Matter on Tough Files

September 10, 2026

Mortgages

Most mortgages are straightforward: you apply, you qualify, you close. But not all mortgage files are straightforward, and when yours isn’t, the experience and relationships your broker brings to the table can make a real difference. Watch my video or read on for more details: A Real Mortgage Example A…

Your Guide to Securing a Business Investment Loan in Canada

September 4, 2026

Understanding Equity Business Loans and Private Investment Financing If you are an entrepreneur in Edmonton looking to scale your operations or acquire new assets, securing the right capital is crucial. A business investment loan, also known as an equity business loan or private investment financing, provides the financial leverage needed to…

Bank of Canada September 2026 Rate Announcement

Mortgage Refinance, Mortgages

September 3, 2026

The Bank of Canada held its policy rate at 2.25% on September 2, 2026, continuing a stretch of unchanged rate decisions that dates back to late 2025. The decision wasn’t particularly surprising. What’s more interesting is the economic push and pull happening behind it. Watch my video or read on…

Your Guide to a Self-Employed Alternative-Doc Mortgage in Edmonton

September 1, 2026

Understanding Business-for-Self (BFS) and Stated Income Loans Securing a self employed mortgage canada can sometimes feel like an uphill battle. Traditional lenders often require extensive tax documentation that might not accurately reflect your actual cash flow. If you are a business owner or freelancer in Edmonton, AB, a Self-Employed Alternative-Doc Mortgage could be the…

Fixed vs. Variable Mortgage Rates: Where Could Rates Go Next?

Mortgages, Purchasing a new home

August 28, 2026

Fixed vs. variable mortgage rates are always a big decision, but there’s more uncertainty than usual heading into the fall of 2026. Between inflation, layoffs, tariffs and what’s happening in the U.S., there are pressures pulling Canadian rates in different directions. My view right now is that rates are more…

Your Guide to a Cash-Out Refinance in Canada: Unlock Your Home Equity in Edmonton

August 28, 2026