The Spire Journal
Can You Get a Mortgage Without 2 Years of Income as a Self‑Employed Individual?
If you're self‑employed in Alberta and don’t yet have two years of tax history, we’ll walk you through how to qualify for your mortgage now.
What Do Lenders Actually Look For in Someone Who Is Self‑Employed and Trying to Get a Mortgage
If you're self-employed in Alberta and wondering how to get a mortgage, here's what lenders are really looking for — and how to prepare.
Using Chat GPT for Mortgage Advice – When to Use It, and When to Call Your Broker
Learn when to use ChatGPT for mortgage advice in Alberta—and when to bring in a licensed broker to protect your financial future.
Owning a Rental Property Allows You Three Advantages
Learn the 3 advantages of rental property ownership in Alberta and how to structure your mortgage for the biggest benefit.
Interim Financing in Alberta Just Got Cheaper — Is Calvert Homes’ 6.70% Promo Right for You?
Interim Purchase mortgage now 6.70% up to 70% LTV—Spire breaks down when this offer works, what to watch for, and how to use it smartly.
How to Position Yourself to Build a Rental Portfolio in Canada
Alberta-based tips to build a rental portfolio the smart way — real examples, financing tactics, and mistakes to avoid.
Is Using ChatGPT Safe for Mortgage Advice in Alberta?
ChatGPT is a great research tool—but Alberta mortgages need real strategy. Here's how to use AI wisely and when to talk to a broker.
How to Build Wealth with Your Mortgage
Turn your mortgage into a wealth-building tool in Alberta with real strategies, not fluff.
The Secret Weapon to Keeping Your Alberta Home Build On Budget? A Well-Planned Draw Schedule.
Discover how a draw mortgage schedule can keep your Alberta home build on track. Real-world tips, case studies, and lender insights.
Can you Qualify for a Mortgage While on your 3 Month Probation at Work
Can you qualify for a mortgage while on probation in Canada? Here’s what Alberta lenders look for and how to navigate the process.
Understanding Equity: How Alberta Homeowners Build Wealth Over Time
Discover how equity helps Alberta homeowners grow wealth, with real examples, refinance strategies, and smart planning tips.
How to Build Your Down Payment in Alberta: Smart Borrowing and Investment Strategies
Alberta’s step-by-step guide to build your down payment—with borrowing, side hustle, and credit strategies.
Co-Signing for a Child or Sibling in Alberta: What Parents Need to Know
Co‑signing a mortgage for your child or sibling in Alberta? Here’s what it really means for you—and how to plan responsibly.
What You Need to Know About Refinancing or Switching Lenders in Today’s Market
Refinancing or Switching with Spire Mortgage Team
How to Transfer a Mortgage After You’ve Taken Possession: Everything You Need to Know
Can you change your mortgage after you’ve taken possession? In Alberta, here’s what you need to know — and what it might cost.
Can You Still Buy a Home After Bankruptcy or Consumer Proposal in Alberta?
Wondering if homeownership is still possible after bankruptcy or a consumer proposal in Alberta? Here’s what to expect—and how we guide clients back to yes.
Moving for Work? How to Transfer or Qualify for a Mortgage in Canada
Moving for work? Learn how to transfer your mortgage or qualify for a new one, with Alberta examples and expert advice.
Supporting Aging Parents: How It Impacts Your Mortgage and What You Can Do About It
Supporting aging parents in Alberta? Discover mortgage options like HELOCs, co-living, and refinancing, plus a real Calgary family case study.
How the Foreign Buyer Ban Impacts Alberta Homebuyers
Explore how the foreign buyer ban affects Alberta—including exemptions, enforcement, and a real-life case—broken down simply by the Spire Mortgage Team.
What Can Completely Derail Your Mortgage (and How to Avoid It in Alberta)
The 3 mortgage mistakes that can delay your keys—plus how we help Alberta clients avoid them.