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Sep 17

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Recent Blogs

Take the Stress out of Buying Your First Home
You are pre-approved! What’s next in the mortgage process?
Ready to buy a home?
Your credit – the factors and impacts on credit scores
CMHC Guideline Changes

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Now is the time! Getting pre-approved should happe

Now is the time! Getting pre-approved should happen well before looking at homes. It’s so easy to take a peek at MLS and fall in love with a home. 💙

Speed and efficiency in making an offer and having that offer accepted happens who you are pre-approved and very prepared to buy a home! You can confidently make the offer, feel comfortable with the conditions and be prepared for all the next steps in the approval process.

We are here to help! Reach out today. Links in our bio or DM us. 🤓

Meet the next generation of Team Elevation 💛 They

Meet the next generation of Team Elevation 💛 They are now adults and both focused on business degrees this fall! So maybe mom's dream of working with these little cuties, now big cuties can come true?

I'm going to be in a lot of trouble for posting these photos... but they are so CUTE! I had to!

Over the years, since we opened Elevation Mortgage, - our days at the "office" or on phone calls or sending just one more email - have often been long — but we had the the world's most enthusiastic (if slightly unqualified) mortgage assistants.

The truth is, running a family business means our kids see what we do every day. They see the late nights during busy seasons. They see the excitement when get a win for a client. And apparently, they loved our branded merch back in the day. 🧢✨

We started Elevation Mortgage because we wanted to build something meaningful — not just for our clients, but for our family. A business rooted in relationships, trust, and helping people reach their homeownership goals across Alberta and British Columbia.

This is the heart behind Elevation Mortgage. Doing what we love, working for our clients and realtor partners and having a lot of fun - together with our kids.

🏔️ Licensed in Alberta and British Columbia

TD Bank — When a Big Bank Makes Sense⁠ ⁠ Sometimes

TD Bank — When a Big Bank Makes Sense⁠
⁠
Sometimes a big bank IS the right fit! 🏦 TD offers extended hours, robust online banking, and the convenience of having your mortgage, chequing, and savings all in one place. Their FlexLine product combines a mortgage and HELOC. ⁠
⁠
They also offer solid prepayment options. ⁠
⁠
We work with TD regularly — and can often get you a better rate than walking in yourself. Let's compare your options! 📊⁠
⁠
#TDBank #BigBank #MortgageBroker #ABMortgage #BCMortgage #ElevationMortgage #MortgageOptions⁠

This Easter long weekend, we hope you're soaking u

This Easter long weekend, we hope you're soaking up quality time with loved ones, enjoying the spring sunshine, and getting lots of well-deserved rest.⁠
⁠
Whether you're hosting a big family gathering, doing backyard egg hunts with the kids, or simply slowing down with a good cup of coffee—savour every moment.⁠
⁠
We're so grateful for the amazing clients and community we get to work with across Alberta and BC. Wishing you a beautiful Easter filled with warmth, laughter, and maybe a little chocolate too. 🍫⁠
⁠
See you next week, refreshed and ready!⁠
⁠
With gratitude,⁠
⁠
Julie & Andy ❤️

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To STAY IN TOUCH with the latest on Mortgages trends and interesting ways to manage the equity in your home, Sign Up for the Elevation Mortgage Newsletter.

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Contact Us

ELEVATION MORTGAGE

julie@elevationmortgage.ca
Julie: 403.828.4832

andy@elevationmortgage.ca
Andy: 403.828.8832

elevationmortgageyyc

Now is the time! Getting pre-approved should happe

Now is the time! Getting pre-approved should happen well before looking at homes. It’s so easy to take a peek at MLS and fall in love with a home. 💙

Speed and efficiency in making an offer and having that offer accepted happens who you are pre-approved and very prepared to buy a home! You can confidently make the offer, feel comfortable with the conditions and be prepared for all the next steps in the approval process.

We are here to help! Reach out today. Links in our bio or DM us. 🤓

Meet the next generation of Team Elevation 💛 They

Meet the next generation of Team Elevation 💛 They are now adults and both focused on business degrees this fall! So maybe mom's dream of working with these little cuties, now big cuties can come true?

I'm going to be in a lot of trouble for posting these photos... but they are so CUTE! I had to!

Over the years, since we opened Elevation Mortgage, - our days at the "office" or on phone calls or sending just one more email - have often been long — but we had the the world's most enthusiastic (if slightly unqualified) mortgage assistants.

The truth is, running a family business means our kids see what we do every day. They see the late nights during busy seasons. They see the excitement when get a win for a client. And apparently, they loved our branded merch back in the day. 🧢✨

We started Elevation Mortgage because we wanted to build something meaningful — not just for our clients, but for our family. A business rooted in relationships, trust, and helping people reach their homeownership goals across Alberta and British Columbia.

This is the heart behind Elevation Mortgage. Doing what we love, working for our clients and realtor partners and having a lot of fun - together with our kids.

🏔️ Licensed in Alberta and British Columbia

TD Bank — When a Big Bank Makes Sense⁠ ⁠ Sometimes

TD Bank — When a Big Bank Makes Sense⁠
⁠
Sometimes a big bank IS the right fit! 🏦 TD offers extended hours, robust online banking, and the convenience of having your mortgage, chequing, and savings all in one place. Their FlexLine product combines a mortgage and HELOC. ⁠
⁠
They also offer solid prepayment options. ⁠
⁠
We work with TD regularly — and can often get you a better rate than walking in yourself. Let's compare your options! 📊⁠
⁠
#TDBank #BigBank #MortgageBroker #ABMortgage #BCMortgage #ElevationMortgage #MortgageOptions⁠

This Easter long weekend, we hope you're soaking u

This Easter long weekend, we hope you're soaking up quality time with loved ones, enjoying the spring sunshine, and getting lots of well-deserved rest.⁠
⁠
Whether you're hosting a big family gathering, doing backyard egg hunts with the kids, or simply slowing down with a good cup of coffee—savour every moment.⁠
⁠
We're so grateful for the amazing clients and community we get to work with across Alberta and BC. Wishing you a beautiful Easter filled with warmth, laughter, and maybe a little chocolate too. 🍫⁠
⁠
See you next week, refreshed and ready!⁠
⁠
With gratitude,⁠
⁠
Julie & Andy ❤️

🙏 To every client who trusts us with their mortgag

🙏 To every client who trusts us with their mortgage journey — thank you. We are grateful! Thanks for the review Kristi. You made our day.

If you want to have a great mortgage experience, we are here to help. 🏡

Whether you're buying in Calgary, Edmonton, Canmore, or Bragg Creek or anywhere in between — we're here for you.

We are proudly serving clients across Alberta and BC and throughout western Canada.

#ClientReview #GoogleReview #ElevationMortgage #ABRealEstate #ABMortgageBroker #YYCRealEstate #Grateful #MortgageSuccess

The Bank of Canada has cut the Prime rate seven ti

The Bank of Canada has cut the Prime rate seven times since June 2024. Today they held steady on rates, with no change.

There are two opposing pressures on the BoC - the first, 84,000 jobs lost in February (indicating a weakening national economy), the second, oil at $100 a barrel (up $35 in three months and creating inflation pressure. This leave the BoC at a stalemate on any rate decrease.

The decision on a fixed or a variable rate at the time of purchase or mortgage renewal has never been more complex.

There are opportunities for anyone renewing a mortgage to have us shop all the lender options, possibly refinance to pay off consumer debts, or extend the amortization to assist with the payments now that rates are higher than five years ago.

The good news - we are here to help source the best purchase or mortgage renewal rates we can, with options at over 20 lenders, including Canada's biggest banks and local credit unions, and get to each know each client and their financial situation and goals so we can provide advice that makes the decision easy.

April 16th is the next announcement date.

Our baby boy turns 21 today! ❤️ so proud of you Be

Our baby boy turns 21 today! ❤️ so proud of you Beck! Where does the time go? We can’t wait to celebrate this week. 🎉🎂🥳

Good news for new home builds and first time home

Good news for new home builds and first time home buyers!

On March 12, Bill C-4, the Making Life More Affordable for Canadians Act, received Royal Assent.

This new legislation increases affordability in a few key ways, but for first-time home buyers in particular, it makes homeownership much easier to achieve.

Most notably, the First-Time Home Buyers' (FTHB) GST/HST Rebate has now been passed into law through this bill.

With this temporary rebate, first-time home buyers can recover up to 100% of the GST or federal portion of the HST paid (up to $50,000) on the purchase of pre-construction condos and new homes up to $1.5 million until 2031.

Who Is Eligible for the Rebate?

The rules of eligibility for this significant tax rebate are:

The buyer is a Canadian citizen or permanent resident of Canada who is at least 18 years old.

The buyer must be a first-time homebuyer (or not have lived in a home that they or their spouse/common-law partner owned or jointly owned in the last 5 years).
The home must be the buyer's primary place of residence.

The home must be newly built or substantially renovated (interiors 90% replaced).

The buyer enters into the agreement of purchase and sale with the builder on or after March 20, 2025, and before 2031. (Note: When the rebate was originally proposed, the start date of eligibility was May 27, 2025.)

The buyer must receive the new home before 2036 and be the first to occupy it as a place of residence.

How Much Is the Rebate?

The substantial savings offered by the FTHB GST/HST Rebate are based on a sliding scale for homes priced between $1 million and $1.5 million. Meanwhile, for homes below $1 million, buyers will receive a full federal tax rebate.

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