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MortgageTips-EN-BB4

Nov 29

MortgageTips-EN-BB4

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🎃🧡I love all things fall. Talked the kids in

🎃🧡I love all things fall. Talked the kids into a pumpkin festival, they fed a cow, did a corn maze, picked out pumpkins, had pumpkin spice mini donuts and came home for and cracked open a six pack of beer 😂🍻. I made my mom’s apple salad Vikki Milne. So good mom! Wish you were here! Grateful for this little family! Hope you all have a fantastic Thanksgiving. 🦃🍁🤎

💡 Thinking about a variable rate mortgage? Have

💡 Thinking about a variable rate mortgage? Haven't considered this option? Let's break it down! ⁠
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With interest rates that can change over time, a variable rate mortgage might just be the flexible option you didn’t know you needed. It could mean potential savings over time. ⁠
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The most important factor in all variable rate mortgages is Canada's prime rate. Who sets that - the Bank of Canada! How do they make decision on the prime rate? Well they are economists and make their decisions based on a long list of national economic factors and lots of information about employment, consumer spending and debts, and the business economy. 🤓⁠
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How can a variable rate benefit a mortgage holder? Well, as the prime rate is decreasing, your mortgage rate is also decreasing AND most importantly your mortgage payment is decreasing. There are a few lenders that keep your payment the same and more of the funds go to principle and less to interest - also a major win! ⁠
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Did you know that when interest rates reach the bottom of this rate cycle and you have a variable rate, you can then lock into a fixed rate with your lender at NO cost? It's a smart move. ⁠
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If you're ready to explore how this type of mortgage rate can fit into your financial journey, send us a message! We're here to simplify the details and help you make informed decisions. Let's talk through rate options and find the right fit for you. 🏡✨

💥 Just had to share this amazing review that ma

💥 Just had to share this amazing review that made our day! 🌟 We strive to create experiences that leave our clients smiling, and it’s moments like these that remind us we’re doing something right. Grateful for each one of our clients! ⁠
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Kindness and care does matter. This is way more than a financial transaction. This is your home, a place to have friends and family over, to feel safe and secure and a major financial investment. So yes, for us, it's personal and we make sure our clients feel informed and confident in their mortgage knowledge and decisions. ⁠
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The mortgage process can feel stressful. You need an ally in your corner. We work with over 25 lender partners but we work for our clients. ✨ ⁠
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#clientappreciation #elevationmortgage ⁠
#fivestarreview #thankyou #grateful #wehavethebestclients #youmadeourday #makingmortgageseasy

💰🔑 Navigating through lender choices might s

💰🔑 Navigating through lender choices might seem overwhelming, but we're genuinely here to support you through each part of the process! 🤝✨ ⁠
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Did you know that we have access to over 25 lenders? Some of Canada's largest banks, credit unions, and national mortgage lenders. We provide mortgages services and advice for many types of clients including those buying a principle residence, a rental property, a cottage or cabin, or a condo for their kids going to university. We have LOTS of options and different types of lenders - some prefer city properties, some love acreages, some lenders help our self-employed clients and others have programs for first responders. The list is long! ⁠
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Whether you’re stepping into homeownership for the first time or considering a mortgage refinance or renewal - we simplify the options to help you discover what suits your financial path best. 📊💡 ⁠
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Keep in mind, it’s more than just figures—it’s about customer service, prepayment options, future penalty amounts, and your housing plans! Together, let’s open the door to great lender options at no cost to you! 🏡⁠
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We are here to help. #elevationmortgage⁠

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ELEVATION MORTGAGE

julie@elevationmortgage.ca
Julie: 403.828.4832

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Andy: 403.828.8832

elevationmortgageyyc

🏡🔍 How to decided between a fixed or variabl

🏡🔍 How to decided between a fixed or variable mortgage rate? Choosing the right option can feel like a balancing act, but we're here to help you weigh the pros and cons. ⁠
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Fixed rates provide stability and predictability but little opportunity to take advantage of decreasing rates. While variable rates can offer flexibility and lots of potential savings, you will also need to be prepared to ride the wave of changing interest rates. 💰✨ ⁠
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How to decide? Start with finding out the payments that work for you, the maximum mortgage amount you can be pre-approved for and let us walk you through all the next steps. It's important to reflect on your financial goals, your ability to handle payment fluctuations and your longer terms plans before making a decision! 💭⁠
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In full disclosure, we love variable rates and we believe there is a huge value in considering that option. But based on preference and comfort level, fixed rates can be the right choice. ⁠
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Have questions? Drop them in the comments or send us a DM! We're all about digging into the rate conversation and empowering you to make the best choice for your future. 🔑 ⁠
⁠ #elevationmortgage #yyc #yychome #yycrealtor #yycrealestate

Calgary you are looking so pretty! 🤩 All dresse

Calgary you are looking so pretty! 🤩 All dressed up for fall! What a fun few days with a fantastic work event, visits with great friends, beautiful weather, yummy restaurants and a few heavenly cocktails and just topped it off with a perfect dog walk and pub visit. Next up @tenfoothenry! 🍂🌄🍕🐶🥃

Lots of puppy kisses! 💙🐶 Friday we love you!

Lots of puppy kisses! 💙🐶 Friday we love you! Lunch and a dog walk to celebrate a fantastic week! 💫

Grateful to all of our clients and all of you who refer your clients, friends and family our way! What a week of working with so many positive, smart and caring realtors. Well done! 👏🏻 Life is good and it really does take a village to navigate successfully through real estate and mortgage transactions. Our village is the best. Now for some rest and lots of weekend fun - next stop, a book festival, a jazz show and a boat ride to a waterfall hike! Seriously am I dreaming? Enjoy your weekend! ☺️🥳😍🤗

And they say husbands don’t take great photos, 😂 mine does! Thanks Andy. 💚 Didn’t realize you were the snapping photos today. 📸 It’s helps to be in one of the most beautiful places we’ve seen. Old growth forest. So lush, so green and shaded, full of moss and lots of magic (something fantastic appeared in the first photo) and a trickling stream. The smells were out of this world. Simply stunning. Ready for the week, fully recharged. 🌱🍃🌿🌳🌲💚

The nest is emptying! 💓 So excited for this guy

Lots of laughs and so much fun with old friends an

Lots of laughs and so much fun with old friends and some new friends. 💙💙💙 Always great to be reunited! @sharondvis

Celebrating a great month! 🤩 Lots of smooth sa

Ready for some summer weather? Us too! 🌞☀️🕶️ it’s been a LONG spring. 🫤 Hopefully it heats up! ⛱️

We are leaving Kelowna today to spending a week in Osoyoos 🌵🏜️🏝️. First time there. Grateful for our fantastic admin team 📲💻! It takes a village and our crew is stellar. Here for our clients while enjoying some summer fun! ☺️

Any recommendations on wineries and restaurants in Osoyoos?

🍷#howmuchwineistoomuchwine ##osoyoosbc #travelbc #summerfun

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