What is a high ratio mortgage and what does it mean? Learn more about high ratio mortgages, including risks and requirements.

What are the criteria for a first-time home buyer in Alberta? Learn more about who qualifies as a first-time home buyer in Alberta.

Can a private mortgage lender refuse to renew your mortgage? Learn more about lenders refusing to renew, including what to do in this situation.

What is a short-term private mortgage, and why would you need one? Learn more about short-term private mortgages, including how they can help with a quick close.

Is it possible to get a mortgage for land? Learn more about land mortgages in Canada, including the requirements and mortgage types.

Will interest rates continue to fall in Canada? Learn more about interest rate trends, and what that means for your mortgage.

Wondering when mortgage rates will actually decrease in Alberta? Learn more about mortgage rate trends, why rates increase, and how it impacts your mortgage.

What is a property valuation and how does it impact your mortgage? Learn more about property valuations, including how they work and why you might need one.

While there are no restrictions on how many mortgages you can have in Canada, that does not mean anyone can obtain all the mortgages they want. For a person to be approved for multiple mortgages, they must qualify.

There’s a lot of confusion and misinformation around how porting a mortgage actually works. We think it’s time to clear that up!

Thinking about co-signing on a mortgage? Here is what you need to know before signing on the dotted line.

The current ultra-competitive real estate market in Alberta can make it feel impossible for buyers to win a multiple-offer situation without submitting an unconditional offer. But what are the risks?

Interest Rate Differential (IRD) is a charge that may apply if you pay off your mortgage before the maturity date, or pay the mortgage principal down beyond the amount of your prepayment privileges.

What impact will the increase to the Home Buyers’ Plan (HBP) withdrawal limit from $35,000 to $60,000 have on home affordability?

A lot of mortgage applicants are nervous about having their credit “hit” or “checked” by the mortgage broker. But having your credit pulled by a mortgage broker really isn’t something to worry about—we break down why.

Many Canadians are stressed about their upcoming mortgage renewals. The current rate environment may feel terrifying and impossible to navigate. Consider these strategies to keep your monthly payments low.

There’s a lot of speculation about when the Bank of Canada might start lowering the overnight lending rate. We break down how movement in the Bank of Canada rate might impact each type of mortgage rate.

Spire Mortgage Team’s Monthly Update Newsletter. Give it a read for all the details on mortgages and real estate trends in your local area in Alberta.

The market is awaiting a drop in the key interest rate from the bank of Canada and anticipating that this could happen as early as the June or July announcement—so what’s the deal with fixed rates continuing to rise?

In the 2024 federal budget release, the government of Canada announced a change to Capital Gains tax