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  • Blog

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
Pre approval

You are pre-approved! What are the next steps?

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 101 : What homeowners need to know

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... read more →
  • Buying your first home

Divorcing – What are the mortgage options?

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

    DLC ELEVATION MORTGAGE

    julie@elevationmortgage.ca
    Julie: 403.828.4832

    andy@elevationmortgage.ca
    Andy: 403.828.8832

    elevationmortgageyyc

    Elevation Mortgage
    Thanks MCAP! Beautiful party, so lovely to see you Thanks MCAP! Beautiful party, so lovely to see you all! Grateful for your partnership. 🙏🏻 Always ahead of the curve in supporting your mortgage brokers. And a visit with Brenda Shaughnessy! Thanks for making the trip Brenda! 💙 @unmarketing great to meet you both! Loved what you had to say! Excited for your residency! 🙌🏻🙌🏻
    Up to… trouble! 💙😂🙏🏻☺️ Up to… trouble! 💙😂🙏🏻☺️
    Vacation smiles! 💙 Much needed rest, relaxation Vacation smiles! 💙 Much needed rest, relaxation and family. 🏖️🦩🌺 Sometimes you just really need to take a break and chill out. ☺️🙏🏻 We are in the same country but not the same coast - missing the DLCG Mortgage Group @dlcgmortgage conference. We had so hoped to be there! 😕 next year for sure! 😘 The best of the best, 💙 @garymauris reaches out and checks in. 🙏🏻 As always supporting family and health first. Can’t think of anyone I’ve learned more from 🤓! Thanks for the kind words! @eddy__dlc touching base. You guys rock! Have a blast everyone! Someone please give out some hugs for me. 🤗 Rich Spence, Dustan Woodhouse, Heather Cermak, Dong Lee, Stephanie Dohring 😘, and the entire incredible head office gang. Hopefully Dave Teixeira is in charge of the music. 🎸 Enjoy! See you all next year! #dlcg #dlcinspire #dlc2023
    Hi! 👋🏻 Happy Thursday… it’s been a minut Hi! 👋🏻 Happy Thursday… it’s been a minute since we said hello and since had a little break! Grateful for the support and we feel so lucky to live an integrated life - work, family, fun, travel can all fit in every week. 🙌🏻 Calling a snow day tomorrow! Friday fun ❄️☃️🧣🧦 Settled in @mountengadine. So far, this year was a whirlwind of activity in the housing and mortgage market. Thanks to our incredible referral partners and clients we provided a LOT of mortgage pre-approvals! 👩🏼‍💻👨🏻‍💻💵 🙌🏻 Some of our clients are finding the right home, some continue the search. Rates are stable. Lots of out of province interest in our housing market. Yes, Alberta is as pretty, fun and full of adventure as our photos! 🏔️🏔️🏔️ Tomorrow - a snow shoe, hiking Mount Rummel, cozy fires, delicious food and drink @mountengadine and cross country skiing at Mount Shark Saturday! 🤩 #alberta #rockymountains #kananaskis #travelalberta #movingwest #workplayrestrepeat #yyc #yycmortgages #yycmortgagebroker #yycrealestate
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    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
    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!
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    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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    Let’s get real… rising interest rates are putt Let’s get real… rising interest rates are putting pressure on the budgets of many! It’s a very good time to review spending, set up and stick to a monthly budget, and reduce credit card and line of credit balances! Don’t avoid the tough budget conversations. 🫣 Our clients were all approved at the federal government qualifying interest rate - at least 2% higher than the actual rate they received. 👍🏻 Rising rates were factored into their mortgage approvals. For variable rate mortgage holders - don’t lock into a fixed rate without a robust conversation around the reasons and possible outcome. Five years is a very long time. Variable rates are like waves. 🌊 They are peaking, will flatten and in the future (predicting when isn’t easy 🔮) will decline. It’s not a always going up or always going down situation. 📉📈 We are volitile times - serious inflation, supply chain challenges, war, global oil and gas shortages and rising costs energy costs are all playing a roll in the Bank of Canada’s rate decisions. 🤔 All interest rates are in essence “variable” as most Canadians have five year terms. Every five years the rate will change. To lock into a fixed rate at what may be the peak time of variable rates may not be wise. 🤓 These decisions are highly dependent on your personal situation, employment, budget, cash flow and future plans for the property. 🏠 📲Julie 403.828.4832 💻Julie julie@elevationmortgage.ca #yyc #yycmortgages #yycmortgagebroker #yycrealestate #elevationmortgage
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