Mortgage Resources for Alberta
Straight answers written by our brokers. Start with the topic that fits your situation.
Latest
First Time Buyers
Calgary Housing Market Q and A: October 2026
Sales dipped, prices held close to last year and apartments got cheaper. Five plain answers using CREB's September 2026 numbers.
Refinancing
Home Equity Line of Credit (HELOC) in Alberta: How It Works
A line of credit secured by your home. How much you can get, what it costs, and the easiest time to set one up.
Mortgage Basics
Insured, Insurable or Uninsured: Why Your Mortgage Rate Depends on It
The same lender can quote three different rates on the same day. Which one you get depends on whether your mortgage is insured, insurable or uninsured.
Browse by topic
First Time Buyers
Budget, down payment, pre-approval, closing costs and the stress test, explained for first time buyers in Calgary and Alberta.
11 guides
Move Up Buyers
Equity, bridge financing, porting and buying and selling at the same time.
10 guides
Mortgage Renewals
How to renew smart: timing, negotiating, switching lenders and fixed vs variable at renewal.
8 guides
Refinancing
When refinancing makes sense, penalties, HELOCs and using equity to consolidate debt.
9 guides
Mortgage Basics
The fundamentals: how mortgages work in Canada, key terms and the rules that matter.
6 guides
Special Situations
Divorce and separation, parental leave, newcomers and other situations that need a plan built around them.
9 guides
Self Employed
Documents, income calculation and lender options for business owners and contractors.
8 guides
New to Canada
Down payment, credit, documents and the stress test for newcomers buying in Alberta.
7 guides
Complete guides
New to Canada
Buying Your First Home in Calgary as a Newcomer (Step by Step)
A smooth newcomer purchase starts with a lender matched pre-approval, a stress tested budget and early documents.
First Time Buyers
First Time Home Buyer Guide: From Dream to Keys
Think of this guide as your roadmap, from the first spark of the idea to the moment you hold the keys.
Self Employed
How Self Employed Income Is Calculated for a Mortgage in Canada
The big question for self employed borrowers: what income will the lender actually use?
Special Situations
Mortgage Options During Divorce or Separation in Alberta
Separation is hard enough without wondering what happens to the house. Your mortgage options, laid out simply.
Refinancing
Mortgage Refinancing in Alberta: When It Makes Sense and When It Doesn't
When refinancing makes financial sense, what it costs, and when an alternative is the better move.
Mortgage Renewals
Mortgage Renewal Guide for Alberta Homeowners: Don't Just Sign the Letter
Renewal is one of the most important financial checkpoints you'll have with your mortgage. Use it to improve your situation, not just to sign.
Move Up Buyers
Buying Your Next Home: A Move Up Buyer's Guide for Alberta
You've done this before, but it's still not easy. Sell first or buy first? How do you use your equity? What if the dates don't line up?
All guides
First Time Buyers
- Calgary Housing Market Q and A: October 2026
- First Time Home Buyer GST Rebate: Alberta Guide
- First Time Home Buyer Guide: From Dream to Keys
- First Time Home Buyer? What to Know Before You Start Looking
- How Much Do I Really Need for a Down Payment in Canada?
- Mortgage Pre-Approval vs Pre-Qualification in Canada
- Closing Costs for First Time Home Buyers in Alberta
- Fixed vs Variable Mortgage for First Time Buyers
- How the Mortgage Stress Test Works for First Time Buyers in Canada
- Should I Wait for Prices or Rates to Drop?
- Common First Time Home Buyer Mistakes in Alberta (and How to Avoid Them)
Move Up Buyers
- Buying a Rental Property in Alberta: Mortgage Basics
- Porting Your Mortgage When You Move in Alberta
- How Equity in Your Home Helps You Buy Your Next One
- Buying Your Next Home: A Move Up Buyer's Guide for Alberta
- Buying and Selling a Home at the Same Time in Alberta
- Bridge Financing in Canada: How It Works for Move Up Buyers
- Should I Sell First or Buy First When Moving in Alberta?
- Upsizing or Downsizing Your Home: Key Considerations
- How Conditional Offers Work in Alberta for Home Buyers
- Mortgage Broker and REALTOR® on the Same Team: Benefits for Buyers
Mortgage Renewals
- Tim's Take: Fixed Rates Just Jumped. What It Means If You Renew This Fall
- Mortgage Renewal Guide for Alberta Homeowners: Don't Just Sign the Letter
- Can I Negotiate My Mortgage Rate at Renewal?
- Fixed vs Variable at Mortgage Renewal: Questions to Ask
- How to Use Your Mortgage Renewal to Improve Cash Flow
- Should I Stay With My Current Lender at Renewal or Switch?
- Top Mortgage Renewal Mistakes Homeowners Make in Canada
- What Happens If I Miss My Mortgage Renewal Date?
Refinancing
- Home Equity Line of Credit (HELOC) in Alberta: How It Works
- Mortgage Refinancing in Alberta: When It Makes Sense and When It Doesn't
- Refinance vs Renewal in Canada: What's the Difference?
- Using Home Equity to Consolidate Debt: Pros and Cons
- Refinancing Penalties: How They Work and How to Reduce Them
- How Much Can I Borrow When Refinancing My Home?
- Is Now a Good Time to Refinance My Mortgage? Key Questions to Ask
- Refinancing After a Change in Income: What Lenders Look For
- Refinancing to Renovate Your Home in Alberta: What to Know
Mortgage Basics
- Insured, Insurable or Uninsured: Why Your Mortgage Rate Depends on It
- Alberta Land Transfer Tax: What Buyers Actually Pay
- Mortgage Basics: Term vs Amortization
- Prepayment Privileges and Mortgage Penalties Explained
- CMHC Mortgage Insurance Explained: Premiums, Rules and Who Needs It
- How Much Income Do You Need to Buy a Home in Calgary?
Special Situations
- Getting a Mortgage While on Parental Leave in Canada
- Mortgage Options During Divorce or Separation in Alberta
- Can I Keep the House After Divorce? Mortgage Considerations in Alberta
- Buying Out Your Spouse's Share: How It Works With the Mortgage
- Refinancing the Family Home During Separation: Key Steps
- Selling the Home vs Keeping It After Divorce: The Financial Trade Offs
- Mortgage Qualification on a Single Income After Divorce
- How Debts and Credit Are Affected During Divorce (Mortgage Perspective)
- Why It Helps to Talk to a Mortgage Broker Early in a Divorce
Self Employed
- How Self Employed Income Is Calculated for a Mortgage in Canada
- Mortgages for Incorporated Business Owners: Salary vs Dividends
- Self Employed Mortgage Documents Checklist (Canada and Alberta)
- Self Employed Mortgage Mistakes That Cost You Approval
- Self Employed Mortgage Options in Alberta: A vs B vs Alternative Lenders
- Self Employed Mortgage Stress Test and Affordability Explained
- Self Employed Mortgage Pre-Approval in Alberta: Step by Step
- T4 vs T1 General vs Notice of Assessment: What Lenders Actually Use
New to Canada
- How to Build Canadian Credit Faster (Without Mistakes)
- Buying Your First Home in Calgary as a Newcomer (Step by Step)
- Common Newcomer Mortgage Mistakes (and How to Avoid Them)
- Mortgage Options for Work Permit Holders in Alberta
- Down Payment Rules for Newcomers to Canada (Alberta Edition)
- New to Canada Mortgage Document Checklist (PR and Work Permit)
- New to Canada Mortgage Affordability: The Stress Test Explained
Calculators
Ready to Get Started?
A quick conversation shows you what is possible and what to watch for. No obligation.
Or call (403) 648-1541