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Apr 23

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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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ELEVATION MORTGAGE

julie@elevationmortgage.ca
Julie: 403.828.4832

andy@elevationmortgage.ca
Andy: 403.828.8832

elevationmortgageyyc

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

2024 camera roll. 📸 ✨What a year. ✨ One of

2024 camera roll. 📸 ✨What a year. ✨ One of the best, ever!

In early 2024, we set intentions to build the life of our dreams, focused on adventure, authenticity and home. 🤩 Our 2024 words were fun - fitness - family - finance.

Beyond grateful for our little family ❤️, two amazing teens (proud of these kids for digging into new experiences and achieving goals) and great friends (new and old), love and kindness, a bit of magic 🪄🔮, my husband’s fantastic coffee ☕️ and breakfast skills, his capacity for fun, musical taste 🎶 and his willingness to always say yes to my wild new ideas, our business and and clients (🙏🏻 gratitude for a great year), travel, foodie experiences and exploring. Nature gave us so much charity in 2024. What a gift.

2025 is all about simplicity - strength - service. Highly recommend choosing a few words to go back to when the path is unclear. 🫶🏻

Happy New Year, sending our best wishes and love to friends, near and far, for an incredible, healthy and fun 2025!

💙👋🏻Julie (and Andy)

🚞🌺🌈☀️🐾🌲🌙🌊🌿🥾🏔️🦅🌎💧🏞️☁️🌱🌳🦌🍄🌠🫶🏻🙏🏻😘

Wrapping up a very restful and relaxed Christmas 2

Wrapping up a very restful and relaxed Christmas 2024! 🎅🏼🎄❤️ Quality time with the kids, a visit from grandma, a new “puppy” - Stitch, a ten yr old Yorkie rescue 🐾, lots of dog walks as Vivi learns to tolerate her little brother, cross country skiing and great food and drinks. 2025 here we come! Excited for the year ahead. ✨💫🌟 Hoping everyone had an amazing holiday!

🏡 Love the idea of being the first owner of a h

🏡 Love the idea of being the first owner of a home? A newly built home purchase is exciting but there are lots of detail to consider. ⁠
⁠
We work with clients buying newly built homes, some are ready to move into and some may take a year. Here are few of our suggestions for a smooth buying process. Our lenders provide mortgage application reviews and mortgage commitments up front, at the time of making the purchase. So reach out to us for more details. ⁠
⁠
First, an experienced realtor can make all the difference when purchasing a new build. ⁠
⁠
Seek out a realtor who is experienced with new home purchases. A good realtor will help you evaluate various communities, builders, plans and finishing options.⁠
⁠
Make sure you consult with a realtor BEFORE walking into the builder show homes. ⁠
⁠
Your realtor should go with you, at least for the first visit, to help you register with the builder. Ask if there are any nearly-completed projects you can view and be sure to check out the street and neighbourhood. ⁠Make sure to understand the upgrade options, finishing selections and all costs.
⁠
Here are some of the documents and details to understand. The home builder will provide the following – the Letter of Possession (confirming move-in date), a Statement of Adjustments (confirming final closing costs, including any upgrades), the Floor Plans & Specs, and a New Home Warranty certificate. ⁠
⁠
🏡 Connect with us to get started on your mortgage pre-approval. We can help make sure the process is easy and efficient.
⁠
#yyc #yycrealestate #yycnewhome #yychomebuilder #yycre #yychomes #yychomebuyer #yychomesales #yycrealtor #yycliving #mortgage #yycmortgage #yycmortgages #yycmortagebroker #elevationmortgage

Documents are everything. We know, it can feel fus

Documents are everything. We know, it can feel fussy and you need to source your employment and downpayment documents. 📑📑📑 But it’s worth being prepared. Let us help guide you in the right direction during the pre-approval process!

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