Elevation Mortgage Blog Library
Expert mortgage insights from award-winning, top-producing brokers Julie and Andy Jeffery. Licensed in Alberta and British Columbia.
🏠First-Time Buyers
Down Payment Guide for Alberta First-Time Buyers
Down Payment Guide for Alberta First-Time BuyersIf you're planning to buy your first home in Calgary or anywhere in Alberta, understanding down payment requirements is one of the most important first steps. The rules can seem confusing, but once you know how they...
âś“ Pre-Approval
Why Get Pre-Approved Before House Hunting
Why Get Pre-approved Before House HuntingA mortgage pre-approval tells you exactly how much you can afford, locks in your rate, and shows sellers you're a serious buyer. Our award-winning, top-producing brokers compare 30+ lenders to find your best rate — at no cost...
đź’° Refinance & HELOC
Refinancing vs HELOC:Â Choosing the Right Option
Refinancing vs HELOC Choosing the Right OptionIf you're a homeowner looking to access the equity you've built in your property, you have two main options: refinancing your mortgage or obtaining a Home Equity Line of Credit (HELOC). Both allow you to tap into your home...
🔑 Mortgage Renewal
When Should You Start Your Renewal Process?
When Should You Start Your Renewal ProcessYour mortgage renewal is one of the best opportunities to save money — or lose thousands if you're not paying attention. Most Canadians simply sign their bank's renewal letter without realizing they could get a significantly...
đź“Š Investment Property
Rental Property Mortgages in Alberta and BC
Rental Property Mortgages in Alberta & BCInvestment properties can be an excellent way to build wealth over time. Whether you're looking at your first rental condo in Calgary, an investment property in the Kootenays, or adding to an existing portfolio,...
đź’Ľ Self-Employed
Mortgage Options for Self-Employed Canadians
Mortgage Options For Self-Employed CanadiansSelf-employed Canadians often face unique challenges when applying for a mortgage. Your income may be strong, but tax optimization strategies can make your reported income look lower on paper. The good news: there are...
⚖️ Divorce & Separation
Spousal Buyout Mortgages:Â Keeping the Family Home
Spousal Buyout Mortgages: Keeping the Family HomeGoing through a separation is difficult enough without the added stress of figuring out what happens to your home. If you want to keep the family home, a spousal buyout mortgage allows you to refinance, remove your ex...
🌱 New to Canada
Newcomer Mortgage Programs in Canada
Newcomer Mortgage Programs In CanadaWelcome to Canada! If you're a permanent resident or work permit holder looking to buy a home, you may be surprised to learn that several lenders have programs specifically designed for newcomers. These programs acknowledge that new...
🏔️ Acreage & Rural
Financing Rural Properties in Alberta and BC
Financing Rural Properties in  Alberta and BCRural properties in Alberta and British Columbia offer a lifestyle that many Calgarians dream about — space, privacy, mountain views, and a connection to the land. But financing these properties requires a different...
🏡 Reverse Mortgage
Understanding Reverse Mortgages in Canada
Understanding Reverse Mortgages In CanadaFor Canadian homeowners aged 55 and older, a reverse mortgage can be a powerful tool to access your home equity without selling your home or making monthly payments. But it's important to understand exactly how reverse...
🔄 Move Up / Downsize
Bridge Financing:Â Buying Before You Sell
Bridge Financing Buying Before You SellFound your dream home but haven't sold your current one yet? Bridge financing can help. This short-term financing solution bridges the gap between buying your new home and selling your existing one — eliminating the stress of...
đź“Ť Areas Served
British Columbia
West Kootenay Mortgage BrokersRooted in the Kootenays, Here to Provide Expertise & AdviceNelson and the West Kootenays are home. After years of building one of Calgary's most trusted mortgage brokerages, Julie and Andy made the move that so many dream about — and...
Alberta
Calgary's Mortgage BrokersTrusted Advice Across AlbertaJulie and Andy Jeffery built Elevation Mortgage in Calgary. Over the years, they've helped thousands of Albertans buy their first home, renew with confidence, and build real wealth through property. The office...
Book a call with us Today!Â
Julie Jeffery ·  julie@elevationmortgage.ca  ·  403.828.4832
AndyJeffery ·  andy@elevationmortgage.ca  ·  403.828.8832
Elevation Mortgage
INDEPENDENT MORTGAGE BROKERS · LICENSED AB & BC
Julie & Andy Jeffery — independent mortgage brokers serving Calgary, Nelson BC,
and clients across Alberta and British Columbia.
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