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May 08

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

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Instagram post 17957820629499673

Instagram post 17957820629499673

Merry Christmas! ❤️🎄Sending love amd light

Merry Christmas! ❤️🎄Sending love amd light to all of our friends, family and our truly incredible work crew (@realmortgs , @mansbridgemortgage , @hughbullenmortgages - simply the best 🤩🤩🤩) and industry partners! You make our business run so smoothly! We are so grateful to our incredible clients and those who refer our way! 🥰😘❤️ Thank you! #christmas #2022 #readyfor2023

Back to the 🎄🎅🏼🤶🏻⛄️ memories! ✨

These cuties at the @posthotelspa! Love this photo. 💙 Stunning hotel, stellar service, warm, cozy, packed with the Christmas spirit. 🦌 The best food, wine list 🤩, pool / spa and a skating rink right out the front door. Did I mention roaring fires and mountains? Dreamy. Take us back! This memory fills my bucket. 🥰May start planning for next year now! 😍

#christmas #memories #cutekids #mountainfun #pooltime #skatingrink #therockies #theposthotel #familytravel

Christmas memories 2013 ☺️😍 Can’t believ

Christmas memories 2013 ☺️😍

Can’t believe how fast they are growing up! 🥰 Love this photo, so sweet❤️ Lunch at the Calgary Tower with Grammy and the family just after Christmas! So fun to see the city and be tourists for a few hours. Those teeth finally came and and seven years of braces and retainers later, they are perfect! Such a cutie. 🎄🎅🏼⛄️

#christmasmemories #2013 #toothfairy #calgarytower #familytime #cutekid

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DLC ELEVATION MORTGAGE

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elevationmortgageyyc

Instagram post 17957820629499673

Instagram post 17957820629499673

Merry Christmas! ❤️🎄Sending love amd light

Merry Christmas! ❤️🎄Sending love amd light to all of our friends, family and our truly incredible work crew (@realmortgs , @mansbridgemortgage , @hughbullenmortgages - simply the best 🤩🤩🤩) and industry partners! You make our business run so smoothly! We are so grateful to our incredible clients and those who refer our way! 🥰😘❤️ Thank you! #christmas #2022 #readyfor2023

Back to the 🎄🎅🏼🤶🏻⛄️ memories! ✨

These cuties at the @posthotelspa! Love this photo. 💙 Stunning hotel, stellar service, warm, cozy, packed with the Christmas spirit. 🦌 The best food, wine list 🤩, pool / spa and a skating rink right out the front door. Did I mention roaring fires and mountains? Dreamy. Take us back! This memory fills my bucket. 🥰May start planning for next year now! 😍

#christmas #memories #cutekids #mountainfun #pooltime #skatingrink #therockies #theposthotel #familytravel

Christmas memories 2013 ☺️😍 Can’t believ

Christmas memories 2013 ☺️😍

Can’t believe how fast they are growing up! 🥰 Love this photo, so sweet❤️ Lunch at the Calgary Tower with Grammy and the family just after Christmas! So fun to see the city and be tourists for a few hours. Those teeth finally came and and seven years of braces and retainers later, they are perfect! Such a cutie. 🎄🎅🏼⛄️

#christmasmemories #2013 #toothfairy #calgarytower #familytime #cutekid

Christmas 2009 🎸🎸🎸 Mini me 🥰 Andy is

Christmas 2009 🎸🎸🎸

Mini me 🥰 Andy is often playing guitar and we watch lots my music documentaries and concerts with him! We didn’t realize how much Beck was taking all that in until this photo 📸😂🙌🏻 His little face! So into it! This was AC/DC blasting away🤘🏻🤘🏻Those kids guitars were a big hit! Wish we still had them.❤️🎄🎅🏼🎶

#christmas # memories #2009 #justlikedad #rockon #guitarsolo

Christmas memories, 2007✨✨✨ A one year old

Christmas memories, 2007✨✨✨

A one year old and three year old 🤪 plus kisses for dad! For anyone with babies and toddlers the holidays can be a bit overwhelming. Trying to recreate the magic of the season 🎅🏼 for our kids and those core memories is a lofty goal. 😍🥰😘 Grandparents and the world’s most incredible babysitter (Kristen ❤️) got us through that season! Parties, late nights, lots of gifts, big meals all required an army of help! PS to all the moms… “Christmas magic, brought to you by mothers everywhere!” So here’s to all the moms making magic happen while dad gives kisses 🙌🏻❤️🤩! #christmas #2007 #babiesandtoddlers #momforthewin #santashelper #superdad

⛄️ Christmas 2007 ❤️❄️🎁 So fun to

⛄️

Christmas 2007 ❤️❄️🎁

So fun to share memories of Christmas! Thanks for following along. ✨

The holidays bring so much celebration but also a time to reflect and think on those we lost. Sending our best wishes and warm thoughts to all those who are looking to the future while remembering the past this season. 💙 This year was a Christmas to remember - little kids (1 and 3) very excited for Santa, grandparents enjoying that time, friends and parties and lots of fun! 🎅🏼 #goodmemories #familytime #santaclaus #christmas #2007 #babiesandtoddlers #whereisthatsweater #cutekid #grandparents

Christmas 2019 🎄❄️☃️❤️ The perfect

Christmas 2019 🎄❄️☃️❤️

The perfect snowfall @kananaskislodge , a cozy lounge for drinks and games, great food, a fun pool and outdoor hot tub and reindeer! 🦌 Take me back! 🛷🧦🧣

#christmas #reindeer #freshsnow #goodmemories #2019 #kananaskiscountry #alberta

We are on the count down now! Hoping you are all e

We are on the count down now! Hoping you are all excited for Christmas 🎅🏼⛄️🎄We wanted to share some of our favourite Christmas memories! So many incredible Christmas adventures across Alberta, family outings, great times with friends and many fun photos! Memories are made during the holidays. ❤️💃🎁Santa and Mrs. Claus popped by our office for a visit and some good cheer back in 2016🎅🏼🤶🏻. #cutecouple #goals #goodmemories❤️ #officeparty #christmas #2016 #elevationmortgage

The Prime rate has risen by another .50%. For the

The Prime rate has risen by another .50%. For the first time in 15 years, fixed rates are now lower than variable rates across the board. The borrowing costs for variable rate mortgage and lines of credit will rise. Not the news any of us wanted, but the new reality is that inflation is severely impacting the Prime lending rate and is not slowing quickly enough.

Thoughts on the news from Sherry Cooper, DLC Chief Economist - "The Bank of Canada hikes the Prime rate by 50 bps.... The Governing Council of the Bank of Canada raised its target for the overnight policy rate by 50 basis points today to 4.25% and signalled that the Council would "consider whether the policy interest rate needs to rise further to bring supply and demand back into balance and return inflation to target.

This is more dovish language than in earlier actions where they asserted that rates would need to rise further. Some have interpreted this new press release to imply that the Bank of Canada will now pause or pivot. Expect there will be additional rate hikes next year, but they will be more measured and not on every decision date. The BoC may refrain from dropping Prime until 2024.

Three-month rates of change in core inflation have come down, an early indicator that price pressures may be losing momentum. However, inflation is still too high, and short-term inflation expectations remain elevated."

Bottom line: This will likely be the last oversized rate hike this cycle. The Governing Council next meets on January 25. Whether they raise rates will be data-dependent. If they do, it will likely be by 25 bps. Even if they pause at that meeting, it does not rule out additional moves later in the year if excess demand persists. I expect further monetary tightening, the continued bear market in equities, and a further correction in house prices.

#yyc #yycmortgage #yycmortgagebroker #yycre #yycrealestate #yycnews #mortgagerates #anotherincrease

The end of each year is a great time to start to p

The end of each year is a great time to start to plan for next year’s budget. ✨🎄💸

That may be buying your first home, your dream home or cottage or figuring out how to manage debts and pay down your mortgage faster. There are many ways to tackle your mortgage or reduce consumer debt with a mortgage refinance. 🏦

Our advice begins with a thorough mortgage pre-approval. Did you know that we provide pre-approvals for first time home buyers but also for home buyers selling a home and buying, downsizing, or planning for a rental property or cottage? We also talk to many clients about buying a home for family - a child going off to university or aging parents. 📚 Budgets are great tool for all ages and all financial decisions. 🤓

So if you want to talk through options, run the numbers and create a plan we are here to help! 👋🏻

Thinking about buying your first home? Start by ge

Thinking about buying your first home? Start by getting pre-approved!

By a human, not an online app. Mortgage pre-approvals should take up to one hour (60 minutes, not 60 seconds). We will collect details on employment, savings, debts, down payment, your credit score, and the range of homes you are interested in. 😊

A pre-approval tells you your mortgage maximum (the highest approvable mortgage amount), provides example payments, and explains interest rates, fine print, and all the options that a great mortgage should have (things like pre-payments to principle). Now is the time, plan ahead and let’s build your homeownership budget together. 🏡

#yyc #yycmortgage #yycmortgagebroker #yycre#yychomes #yychomebuyers

What a great conference! @toddduncanofficial We ca

What a great conference! @toddduncanofficial We can’t wait to implement all the new ideas to better serve our incredible referral partners, lenders and clients!

Instagram post 17934236792333048

Instagram post 17934236792333048

A little obsessed. 🤷🏼‍♀️ Yes! We love

A little obsessed. 🤷🏼‍♀️ Yes! We love our work. Our gratitude to our clients and referral partners is immense. Our website is one click away - to starting your mortgage pre-approval! Link in our bio. Just a few minutes will save you a lot of time, effort and money. 💰

PSA 🚨 When you are buying a new home really, r

PSA 🚨

When you are buying a new home really, really consider that during the three weeks before the possession date it’s best to be at home, not travelling OR planning ahead to sign with your lawyer in advance of any travel plans. Remember that signing in advance requires every stage - the financing condition period, providing your income, downpayment and property documents and signing forms to be completed in advance. 🤷🏼‍♀️

#elevationmortgage #yyc #yycmortgages #yycrealestate

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