The Spire Journal
Guide to Refinancing a Mortgage in Alberta
Refinancing may be a good option to explore with your Mortgage Professional, but its important to understand the Pros and Cons to determine if it’s the best option for your situation.
Spire’s Mortgage Term Glossary
Scroll to learn all of the most common mortgage definitions.
Why Alberta Landlords Will Pay Interest on Security Deposits in 2024
There’s a 2024 change landlords need to know about—security deposits will now need to be returned with interest of 1.6%.
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.
How to use Rent Payments to Increase your Credit Score
There are several companies that help renters use their payments to build their credit. Each of them take a slightly different approach.
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.
Why Use a Mortgage Broker?
Should I use a mortgage broker? Learn more about why you should use a mortgage broker, including the pros and cons.
Should I Switch from a Variable to a Fixed Mortgage?
Should I lock in a fixed-rate mortgage? Locking in a fixed-rate mortgage isn’t the right choice for everyone, and varies depending on market trends and finances.
Can You Get a Mortgage to Build a House?
Is it possible to get a mortgage to build a house? Learn more about the requirements for construction mortgages and how to finance a home build.
How to Buyout Your Partner in a Mortgage in Canada
Buying out a partner in a divorce is a common practice, but how does it work? Learn how to buyout your partner in a mortgage in Canada during a divorce.
Can a Bank Deny Your Mortgage Renewal in Canada?
Can banks deny your mortgage renewal in Canada? Learn more about mortgage renewals and how to prevent your mortgage renewal from being denied.
Does a Line of Credit Affect Mortgage Approval?
How does a line of credit affect your mortgage approval? All types of credit, including lines of credit, impact how much you are approved for.
Do You Need a Mortgage for Pre-Construction?
Do you need a mortgage for pre-construction homes? Learn about the mortgage requirements for pre-construction, plus the pros and cons.
Unlocking the Power of Mortgage Pre-Payment Privileges: A Path to Early Mortgage Freedom
Unlocking the Power of Mortgage Pre-Payment Privileges:
A Path to Early Mortgage Freedom
How Does a Construction Mortgage Work in Canada?
Are you thinking about a construction mortgage? Learn how a construction mortgage works in Canada.
What Is a Draw Mortgage?
Wondering what a draw mortgage is? Learn about the benefits of draw/construction mortgages for building and how they compare to traditional mortgages.