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Elevation Mortgage Elevation Mortgage
  • Home
  • Mortgage Calculator
  • Mortgage Solutions
    • First Time Home Buyers
    • Home Renovation
    • Mortgage Renewal
  • Blog
  • Connect With Us

Take the Stress out of Buying Your First Home

Buying a home should be fun, not... read more →
  • Buying your first home, Getting ready for your mortgage renewal, Pre-Approvals are important

You are pre-approved! What’s next in the mortgage process?

Congratulations! You are pre-approved. Congratulations! You are formally pre-approved. A pre-approval means that our team... read more →
  • Buying your first home, Mortgage News, Pre-Approvals are important, Understanding Credit

Ready to buy a home?

We are here... read more →
  • Buying your first home, Mortgage News, Pre-Approvals are important

Your credit – the factors and impacts on credit scores

Credit scores are intended to help financial risk managers and others make... read more →
  • Mortgage News, Understanding Credit

CMHC Guideline Changes

Everything you need to know and our thoughts regarding these changes: CMHC is not the only Canadian mortgage insurer. We... read more →
  • Buying your first home, Getting ready for your mortgage renewal, Mortgage News, Understanding Credit

The top five things that decrease your credit score.

Regardless of the financial milestones you’re reaching, when it comes to financial... read more →
  • Understanding Credit

Understanding your credit bureau

A credit bureau (sometimes referred to as a consumer... read more →
  • Buying your first home, Understanding Credit

Title Insurance – Why you need the coverage

Title Insurance 101 : What homebuyers need to know and why you... read more →
  • Buying your first home, Getting ready for your mortgage renewal, Mortgage News

Interim Financing – Make the process of selling a home and buying a home stress free

An interim or bridge financing loan is a temporary financing... read more →
  • Mortgage News

Purchasing a home – why you need a real estate lawyer

What to expect from your real estate... read more →
  • Buying your first home, Mortgage News

Renewing your mortgage – three reasons to talk to us first

Reason number... read more →
  • Getting ready for your mortgage renewal, Newsletter

Documents – what you need and why during the mortgage approval process

The time... read more →
  • Buying your first home

Separating – mortgage advice and all the next steps

When we... read more →
  • Blog, Features, Refinance

Thinking about saving? Our top five tips to get started.

If you live... read more →
  • Buying your first home, Getting ready for your mortgage renewal, Mortgage News, Pre-Approvals are important

Five things to avoid after you are pre-approved

When buying... read more →
  • Getting ready for your mortgage renewal, Pre-Approvals are important

The Interest Rate Game

Mortgage interest... read more →
  • Interest Rates, Mortgage News

The great debate… fixed or variable interest rates?

Whether you are a nervous first... read more →
  • Blog, Buying your first home, Interest Rates, Mortgage News, Pre-Approvals are important

Frequently asked mortgage questions

Our... read more →
  • Buying your first home, Mortgage News, Pre-Approvals are important

Turning Your Home into a Rental Property

Thanks to Rentfaster.ca for the opportunity to write a guest blog. You purchased your first home a few years ago. Maybe you... read more →
  • Mortgage News

Ten reasons to work with a mortgage broker

I am... read more →
  • Mortgage News, Pre-Approvals are important
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    Contact Us

    ELEVATION MORTGAGE

    julie@elevationmortgage.ca
    Julie: 403.828.4832

    andy@elevationmortgage.ca
    Andy: 403.828.8832

    elevationmortgageyyc

    Andy Jeffery l Julie Jeffery - Serving Alberta and BC
    Some weekends are just magic. 😄Hike, bike, kaya Some weekends are just magic. 😄Hike, bike, kayak, pickleball, boat ride, swim, waterfalls, cold plunges in mountain streams (the perfect spot) and so much fun with friends! ❤️⛰️🏞️🌊🚣🥾 Thanks to the Laura’s for outdoor adventures! And to mom for the awesome e-bikes! Adventures await 🚲😘Vikki Milne
    Happy May long weekend! Not a snow flake or cold w Happy May long weekend! Not a snow flake or cold wind to be found 💗🌴🌺🐟🦜🍍🏖️🌊
    Happy long weekend and happy Easter! Beautiful hik Happy long weekend and happy Easter! Beautiful hike today to kick off a few days of rest and relaxation!⛰️
    I know, we wish love made the world turn 💙 It s I know, we wish love made the world turn 💙 It sure helps but money and how it’s earned, spent, saved and managed is so important to mortgage pre-approvals. Money is such an emotionally charged subject, it’s complex and can be confusing. So we are here to really listen and support our clients. The strongest mortage applications are all about money. But not in the way you may think! 💲 Downpayment is important but mortgage approvals at 5% down are just as strong (in a lenders view) as those that are 20% down. 🤓 Income is a critical driver of all mortgage applications. The amount of verifiable income, directly correlates, to the amount of a mortgage approval. That can be salary, hourly, seasonal, contract or self- employed. Consistency year over year is the key.👷🏼‍♀️🧑‍🍳🧑‍🌾👩🏼‍💼🧑‍🚀🧑🏻‍🚒👩‍🔧 We ask lots of questiond around income and collect all required documents to verify income at the preapproval stage. We want to be 100% confident that a lender will approve the mortgage application once our clients find the right property. 🏙️ Debts are a big part of the equation. The less the better, but if there is enough income to support both the new mortgage amount and the debt then debt loads don’t impact mortage pre-approvals. Credit scores are very important. 680 is a good benchmark for the minimum score a lender wants. Buy exceptions are made at lower levels. So don’t let money and the stress it can bring keep you from deciding to start a mortage pre-approval! It’s just a conversation, with no pressure, and sharing of our mortgage knowledge and advice. ☺️ 📲Julie 403-828-4832 📧 julie@elevationmortage.ca 📲 Andy 403-828-8832 📧 andy@elevationmortgage.ca Give us a call or send an email. DM us or visit our website to book a meeting! Link in our bio.
    It’s so cold 🥶! Aren’t we all dreaming of w It’s so cold 🥶! Aren’t we all dreaming of warm, cozy spaces in our homes? 🤍 Our clients just purchased a quaint and beautiful cottage style home in Sunnyside. Absolute stunner! There’s something wonderful about a renovated heritage home. The cozy factor is very high. The neighbourhood is established, highly walkable and the streets are lined with trees. Sounds perfect! So exciting. My go to interior designer for stunning, warm, thoughtful and super cosy design is @amberinteriors. Every room is perfection. Such great style. Enjoy and stay warm today!
    Did you complete a mortage pre- approval in 2024? Did you complete a mortage pre- approval in 2024? Well it’s time for an update! We are reaching out to our pre-approved clients from 2024 and updating mortgage pre-approval details, chatting about lender options and interest rate changes.🤓 As we head into the spring housing market - it’s time to update your mortage pre-approval details. Income may have changed, maybe you received a bonus or overtime pay in 2024? A salary or hourly rate of pay increase? Or maybe you reduced your work hours? Debt loads on credit cards and lines of credit fluctuate so it’s best to update the details. A new car loan added into a mortage application can be very impactful. You may have discussed purchasing a home with immediate family, and they offered a gift of downpayment funds? Savings also fluctuate, so now is the time to review your mortage pre-approval details. Prime has reduced, this will continue throughout 2025. Now is the time for expert advice on rate choices! If you are pre-approved at your bank - you need a second opinion. 👋🏻 We work with many lenders and can review lender policy and interest rate options at all lenders both during your pre-approval and again when you have an excepted offer on a home. Don’t miss out on the option to shop your interest rate and to understand lender fine print. #yyc #yycmortgages #yycrealestate #yycmortgagebroker
    BIG NEWS! 🚨 The Bank of Canada announced a 0.25 BIG NEWS! 🚨 The Bank of Canada announced a 0.25% Prime Rate reduction this morning! 📉 Economists expect another .50% this spring and up to an additional 1% this year. We may need to shine our 🔮 - with so many factors in play, including inflation, unemployment, economic growth or lack of, and the dreaded tariff talk - it’s a wait and see environment as to how low Prime will go. For today, this means lower interest rates for many of you - IF you have a variable rate mortgage OR a line of credit.🏡 Fixed rates are just that - fixed and set for the term. Variable rates move up or down or stay steady based the Prime rate. Most lenders now have a Prime rate of 5.20%. Variable rates are always Prime and a discount off of Prime. Each lender sets their unique discount. This is what we “shop” for our clients - the discount off of Prime, the fine print relating to the mortgage and most importantly, a great variable rate with a lender that allows and offers competitive fixed rates if and when you want to lock in. 🤓 Ready to see how this affects you? DM us or visit our website to book in with us. Let’s explore your options and find the best mortgage solution for your needs. #MortgageRates #BankofCanada #HomeBuying #FinancialGoals #ElevationMortgage
    Winter magic at @mountengadine! Favourite place. 💙 Snow showing, fat bikes, winter hikes, Nordic skiing and the most stunning scenery. The food is epic and all included in the price. Such a great value. Lunch break with my guitar player. 😍 #mountengadinelodge #canadianrockies #albertalodge
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