The Spire Journal
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Why are Fixed Mortgages Rates Rising Again in Canada?
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?
Government of Canada Introduces 30 Amortization for First-Time Buyers Purchasing New Builds
A HUGE housing announcement came from the Government of Canada yesterday. 30-year amortization will be allowed for first-time buyers' mortgages on new home builds & $60k from RRSPs!
Choosing Mortgage Rates & Terms: What To Look For—Besides The Rate
Rates aren’t the ONLY thing to consider when shopping for a mortgage. Here’s what else we think is important for homebuyers to look at when evaluating their options.
Purchase Plus Improvements Mortgage FAQs
The Purchase Plus Improvements Mortgage option gives home buyers the flexibility to upgrade or improve their newly purchased property.
2024 Changes to Alberta Land Titles Registration Fees
The Alberta government is proposing some BIG changes that could impact home buyers’ closing costs.
The Fastest Way to Get a Downpayment as a First Time Home Buyer
If you’re a First Time Home Buyer eager to get into the house of your dreams but don’t have the downpayment to make it happen—we have a great strategy for you!
Why the Hybrid Mortgage Could be a Great Option for Borrowers in 2024
Hybrid mortgages combine fixed and variable rates to offer borrowers a strategic solution for their home financing.
Why you should open a First Home Savings Account before Dec. 31
Earlier this year, the Canadian federal government introduced the First Home Savings Account (FHSA), aimed at assisting first-time homebuyers with savings.
It is go time for Variable Rate Mortgages again??
Should you choose a variable or fixed rate mortgage? This is the question everyone is asking right now! And with the rapid changes happening in the market, it’s a great question to be asking.
Get Access to the Best Rates at your Mortgage Renewal
Stay in touch with today's BEST rates! Take the stress off your list and save money in the process with our new mortgage renewal reminder tool.
How watching Cinderella Man changed my life FOREVER.
From day 1, everyone knew that our goal was to purchase 3 homes, and they were all on board with helping us get to where we wanted to be. Why 3? We figured that if we bought 3 homes around $300,000, that eventually we would have close to $1M in assets…
Flipping a property in Calgary with 10k down - What?!
Flips are for those that see the value and vison of what a property COULD be. They want to change and renovate the property to be better used. Either as a investment property or as a home for new owners…
Spending With Your True North in Mind
Are you spending money on the things that are truly aligned with your values? Are you spending your money to get MORE time doing the things you love? Are you spending your money to allow you MORE opportunities to squeeze the people you care most about? But…the question that really hits a nerve – am I?
10 Tips For Saving For Your Down Payment
Are you DYING to save for that down payment for your first home? Do you feel like it’s time to step into this depressed Calgary Real Estate Market? Maybe this little story might help you out!