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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
    Know your budget and shop with confidence! ⁠ ⁠ Scr Know your budget and shop with confidence! ⁠ ⁠ Scrolling listings before you're pre-approved is like grocery shopping when you're starving — you'll fall in love with things you might not be able to afford, and you won't move fast enough when the right one comes along. 🏡⁠ ⁠ Here's why getting pre-approved first just makes sense:⁠ ⁠ ✓ You know your real budget — not a rough estimate, but an actual number⁠ ⁠ ✓ You can move fast when you find the right property — in competitive markets, this matters enormously⁠ ⁠ ✓ Your offer carries more weight — a pre-approved buyer is a credible buyer⁠ ⁠ ✓ You avoid the heartbreak of finding your perfect home and then discovering you don't qualify for it⁠ ⁠ ✓ We can identify issues early — giving you time to address them before you're under pressure⁠ ⁠ The pre-approval is free, doesn't obligate you to a specific lender, and is issued based on federal government mortgage approval guideslines! ⁠ ⁠ If you're thinking about buying anywhere in Alberta or BC, let's start your pre-approval before you start your search.⁠ ⁠ #FirstTimeHomeBuyer #DownPayment #AlbertaMortgage #BCMortgage #CMHC #MortgageBroker #CalgaryRealEstate #HomeOwnership #ElevationMortgage #MortgageTips #ABRealEstate #BCRealEstate⁠
    👋🏻 I'm Julie, and this is Andy — we're a husband-a 👋🏻 I'm Julie, and this is Andy — we're a husband-and-wife team who love running our family business, we are big supporters of all things local and helping people with their biggest financial decisions. ❤️⁠ ⁠ We both started as bankers, but 15 years ago we launched Elevation Mortgage because we knew our clients deserved a list of lender and rate options — not just one rate from one bank. Now we work with 30+ lenders - with far more competitive interest rates. 💰⁠ ⁠ 🏔️ Andy — Top 5% nationally by mortgage volume. Experienced in renewals, refinances, and purchases with a calm approach to explaining all your options. He is committed to sourcing great mortgage solutions and has a knack for complex applications. ⁠ ⁠ 🏔️ Me — Top 10% nationally, plus I won the 2025 Efficiency Award for application quality (lenders love quality = faster approvals!). I love the details and providing clients with lots of options and first time home buyers are my favourite - so much info to share. Also the only one with the Instagram password, so I post photos of Andy without his permission, haha. 😅⁠ ⁠ We work with everyone: first-time buyers, seasoned investors, renewals, refinances — and we love partnering with amazing realtors. If we already work with you - we are grateful! If you are looking for a mortgage broker to work with - we are always ready to partner with a great realtor. 🤝⁠ ⁠ Best part? Our services are FREE to our clients. When we make a match with a lender, they pay us!⁠ ⁠ What you get:⁠ ✓ Former bankers + 15 years mortgage broker experience⁠ ✓ 30+ lender options = better rates⁠ ✓ Quality applications = faster approvals⁠ ✓ A team that genuinely cares ❤️⁠ ⁠ Licensed in Alberta and British Columbia. 🏔️ Drop a comment if you've worked with us or if you would like— we'd love to hear from you! 💬⁠ ⁠ #elevationmortgage
    Canada uses a tiered minimum down payment system — Canada uses a tiered minimum down payment system — and which tier you fall into changes everything. 🏠⁠ ⁠ Under $500,000 → minimum 5% down⁠ $500,001 to $999,999 → 5% on first $500K, 10% on the rest⁠ $1,000,000 and up → minimum 20% (no CMHC insurance available)⁠ ⁠ A few things people get wrong:⁠ ⁠ 1️⃣ You do NOT need 20% to buy a home. Most first-time buyers in Alberta and BC buy with 5–10% down and CMHC insurance covers the lender's risk.⁠ ⁠ 2️⃣ CMHC insurance isn't a penalty — it's what makes lower down payments possible. The premium is added to your mortgage, not paid upfront.⁠ ⁠ 3️⃣ Your down payment can come from savings, an FHSA, your RRSP Home Buyers' Plan, or a gift from an immediate family member.⁠ ⁠ Wondering what your down payment number actually needs to be? Book a free call — we'll do the math together.⁠ ⁠ 🏔️ Licensed in Alberta and British Columbia⁠ ⁠ #FirstTimeHomeBuyer #DownPayment #AlbertaMortgage #BCMortgage #CMHC #MortgageBroker #CalgaryRealEstate #HomeOwnership #ElevationMortgage #MortgageTips #ABRealEstate #BCRealEstate
    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
    🙏 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
    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.
    Congratulations on a very successful 2025 Andy! 🏆🤩 Congratulations on a very successful 2025 Andy! 🏆🤩🎊💙 If you know Andy, you know he’s a bit shy about awards and accolades. But this one is pretty cool and I’m sharing the exciting news! He did not approve this post. 😂 Our brokerage, Mortage Connection, held an awards evening recently and Andy was number 12 for overall mortage volume and performance out of 180 agents! 🙌🏻 To be in the top 20 in this group is a huge achievement. Our brokerage is one of the highest performing in western Canada, with a roster of elite agents, and we are honoured to work on a team of truly exceptional people. I won the Efficiency Award, given by our lender partners, to the most agent who submits mortage applications of the highest quality, with the most approvals per mortgage submission ratio. Our relationships and trust with underwriters, communication and efficieny are the cornerstones of good mortage agent and lenders partnerships. Well prepared mortgage applications get right to the front of the line for service and approval times. 🤓🧑‍💻 Grateful to our clients, realtor and financial planner partners and friends who refer new clients our way. Thank you all for your support. We truly appreciate every time someone passes on our names or introduces us to a new client. So thank you all! We are so pleased to offer mortage solutions across Alberta, BC and western Canada. We are just a phone call, email, text or zoom away. 2026 is lining up to be an epic year! If we can assist with your mortage needs or if you are a realtor or financial planner who wants to partner with a pair of award winning 😉and dedicated mortgage agents please connect! Julie, Andy and Vivian 🐶
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