The Spire Journal
Why Your Accountant Might Be Hurting Your Mortgage Approval (Without Knowing It)
Minimize taxes or qualify for a mortgage? If you’re self-employed in Calgary, your accountant could be costing you real estate deals.
The Self-Employed Mortgage Checklist: What You Actually Need to Get Approved
Get mortgage approval while self-employed. See our full checklist and insider tips from Calgary’s BFS mortgage experts.
How to Get a Mortgage Without Claiming More Income to CRA
Business owners: qualify for a mortgage using cash flow, not CRA income. Here’s how our Calgary clients are building wealth without increasing taxes.
Insider Tips from a Calgary Mortgage Broker: How to Beat the Big Banks
Most Calgary homeowners let their bank handle mortgage renewal—and it costs them thousands. In this insider guide, Renee Huse, founder of Spire Mortgage Team in Calgary, Alberta, reveals how to beat the banks, negotiate better terms, and save big. Learn why starting 4 months early matters and how a top mortgage broker works differently.
Fixed vs Variable Mortgage Rates in Calgary: What’s Better in 2025?
Fixed or variable mortgage in Calgary? In 2025, it’s more about strategy than rates. Renee Huse of Spire Mortgage Team breaks down the trends and helps you make the right call.
What’s the Average Mortgage Payment in Calgary Right Now?
What does a mortgage really cost in Calgary right now? We break down real 2025 payment numbers and how Spire saves clients thousands.
Best Mortgage Broker in Calgary? Here’s What 330 Clients Told Us
Looking for Calgary’s best mortgage broker? See what 330 five-star reviews say about working with Spire Mortgage.
How Interprovincial Trade Barriers Impact Calgary’s Mortgage Market
Interprovincial trade barriers are costing Canada billions! Impacting businesses, job growth, and even Calgary’s housing market. Discover how reducing these barriers could strengthen the economy, boost homeownership opportunities, and reshape the mortgage landscape in 2025.
What Is an Open Mortgage?
An open mortgage is a mortgage type that allows you to pay more than your set payments without penalty. Learn everything you need to know about open mortgages.
How Early Can You Renew Your Mortgage?
When is the earliest you can renew your mortgage? Learn when it’s time to renew your mortgage, plus renewal tips from Spire Mortgage.
When Do You Start Paying a Mortgage On a New Build?
When do you actually start paying your mortgage on a new build? Learn more about mortgages for new build, including payment terms and more.
What Is a Mortgage Maturity Date?
What does a mortgage maturity date mean? Learn more about maturity dates, including your options at maturity.
Is Mortgage Interest Tax Deductible in Alberta?
Can you deduct mortgage interest in Alberta? Learn more about taxes and mortgage interest, including what types of properties you can write off.
What Happens If Your Mortgage Renewal Is Denied?
What should you do if your mortgage renewal is not approved? Learn more about mortgage renewals being denied, including steps to follow.
What Is a High Ratio Mortgage?
What is a high ratio mortgage and what does it mean? Learn more about high ratio mortgages, including risks and requirements.
Who Qualifies as a First-Time Home Buyer in Alberta?
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.
Private Mortgage Lenders Refusing To Renew: What to Do
Can a private mortgage lender refuse to renew your mortgage? Learn more about lenders refusing to renew, including what to do in this situation.
How Short-Term Private Mortgages Can Save the Day for Quick Property Deals
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.
Can You Get a Mortgage For Land?
Is it possible to get a mortgage for land? Learn more about land mortgages in Canada, including the requirements and mortgage types.
Interest Rate Forecast: Will Interest Rates Continue to Fall in Canada?
Will interest rates continue to fall in Canada? Learn more about interest rate trends, and what that means for your mortgage.