The Spire Journal
How Your Accountant Could Be Costing You Your Real Estate Deal in Alberta
Self-employed in Alberta? Your accountant might be holding back your mortgage approval. Here’s how to fix that—without burning your tax plan.
What Happens When You Break a Mortgage in Alberta?
Worried about the cost of breaking your mortgage in Alberta? Learn how penalties work, when it’s worth it, and how to protect your bottom line.
What Is Amortization and How Does It Work in Alberta?
Amortization affects how much interest you pay and how fast you build equity. Here’s how Alberta homeowners can make it work for them.
Everything Alberta Buyers Need to Know About How Mortgages Work in Canada
Buying your first home in Alberta? Learn how Canadian mortgages actually work—from down payments to terms to rates—in this friendly, expert guide.
Mortgage Prepayment Privileges: The Secret Weapon for Alberta Homeowners
Paying off your mortgage early in Alberta? Learn how prepayment privileges save interest, boost flexibility, and cut years off your loan.
How Top Albertans Are Building Wealth Through Real Estate Equity: Advanced Strategies & Market Insight
How smart Albertans are unlocking their home equity to build wealth and invest in real estate—refinance, HELOC, and strategy tips inside.
MLI Select 101: How to Qualify for CMHC’s Most Powerful Apartment Building Program
Thinking of building rentals in Alberta? MLI Select can help you borrow more, pay less, and grow faster. Here's how to qualify.
The Ultimate Guide to Multifamily Financing in Canada (2025 Edition)
Thinking of buying a 5+ unit rental property in Alberta? This investor-focused guide breaks down CMHC-insured multifamily financing, conventional loans, tax strategies, and Alberta-specific advantages.
📞 Call Renee Huse at 403.804.5465 or email renee@spiremortgage.ca for expert advice.
What Is a Mortgage? Mortgage Basics for First-Time Buyers in Alberta
If you’ve ever wondered what a mortgage really is—or felt overwhelmed by confusing terms and bank jargon—this guide is for you. Built for first-time home buyers in Alberta, we explain how mortgages work, what they cover, and how your monthly payments break down. Real examples, real advice, and no fluff.
Should I Buy With No Down Payment in Alberta? Full Cost Breakdown & Strategy
Is buying with zero down smart in Alberta? This blog shows the real costs, monthly payments, and strategy using borrowed down vs. saved vs. 20%.
5 Smart Ways to Borrow Your Down Payment in Canada (And What to Avoid)
Explore 5 lender‑approved ways to borrow your down payment in Canada—with Alberta case study, smart tax & RRSP bonus planning.
How to Buy a Home With No Down Payment in Alberta: 2025 Guide
Want to buy a home in Alberta but have no savings? This 2025 guide breaks down how to qualify for a mortgage with zero down using smart strategies.
Build Wealth with Compounding in Alberta Real Estate
Learn how Alberta homeowners build long-term wealth with real estate using the power of compounding even while they sleep.
What Makes a Good Investment Property in Alberta?
Looking to invest in Alberta real estate? Here’s how to spot a smart rental property and why cash flow should come first.
Every Market Is a Mortgage Market - Here’s Why
Looking to buy your first rental? Here’s how to choose a great Alberta investment property that cash flows and grows.
What Alberta First-Time Buyers Need to Know About the New GST Rebate
First-time home buyers in Alberta can now save up to $50,000 in GST on new builds. This deep-dive breaks down who qualifies, which properties are eligible, and how this 2025 rebate reshapes affordability, especially in Calgary, Edmonton, and surrounding communities.
✅ Self-Build Prep Checklist for Alberta Contractors
Planning a contractor self-build in Alberta? Here’s the smart, numbers-first checklist to prep your financing, permits, and credit strategy before breaking ground.
So You Want to Build Your Own Home in Alberta? Here's What You Need to Know.
Ready to build your dream home? Learn how to finance land and construction the smart way with tips from Calgary’s best mortgage broker.
Why Canadian Fixed Mortgage Rates Are Rising Again
Fixed mortgage rates are climbing in Canada. Find out why, and how Calgary homeowners can beat the increase with smart strategy from Spire Mortgage.
Should You Refinance Your Calgary Home in 2025?
Refinancing in Calgary could help you unlock equity, pay off debt, and save. Renee Huse, Spire Mortgage Team, breaks down the 2025 strategy.