Most mortgage mistakes we see don’t come from bad decisions — they come from bad information. We hear the same myths at kitchen tables across Alberta and Saskatchewan every week. They sound convincing, they’re often repeated online, and they can quietly cost people years of progress. Let’s walk through the most common mortgage myths we see — and what’s actually true.

If you’re dreaming of country living — bigger yard, space for animals, workshops, or acreage — the financing piece is different than a typical city home. Rural property lending has nuances that many buyers don’t learn until they’re deep into the process. We’ve helped dozens of buyers across Calgary, Airdrie, Cochrane, Olds, Red Deer and surrounding rural areas navigate these differences. This updated blog brings you • the latest rural lending essentials • real-world advice • and why working with a professional team that specializes in rural properties matters.

Your tax return isn’t just about CRA. For self-employed and variable-income borrowers, how you file can shape your mortgage options in 2025 and 2026. Planning before you file matters.

If you’re building a home in Alberta, choosing between a draw mortgage and a completion mortgage is one of your first major financing decisions. Here’s a clear breakdown using real examples and local context.

In many markets, finding a home that “checks all the boxes” is getting harder. But what if you found one that needs a little work — and used that renovation opportunity to your advantage? A Purchase Plus Improvements mortgage gives you that flexibility.

Buying a home in Alberta is exciting - but navigating mortgage options can feel overwhelming. From fixed vs. variable rates to down payment rules and the stress test, understanding your choices can make a big difference. As your local Alberta mortgage broker, I compare multiple lenders to help you secure the right mortgage for your needs and budget.

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