The Spire Journal
Pivoting Your Retirement Plan in Alberta: What to Do When Downsizing Costs More Than You Expected
Downsizing in Alberta came in pricier than planned? Here’s the math, options, and a real case study to confidently pivot your retirement plan.
Does Going Back to School Mean You Can’t Get a Mortgage in Alberta?
Going back to school in Alberta? You can still buy. Learn income rules, co-signer options, timing strategies, and see a real Calgary case study.
Just Moved to Canada and Have No Canadian Credit? Here’s How to Become a Homeowner in Alberta
New to Canada and have no credit? Here's how Alberta newcomers can still qualify for a mortgage and own a home — even right after landing.
How the GST Credit Really Works for New Homes in Alberta (And Why It Matters Right Now)
The GST rebate could save Alberta buyers up to $50,000—but whether or not you pay GST up front depends on your possession date. Here’s how it works.
How to Refinance Your Alberta Home to Add a Legal Suite with CMHC-Insured Financing
Refinance your Alberta home with CMHC-insured options to fund a legal basement or garden suite. Get rental income and maximize equity.
How We Helped Two Calgary Professionals Restructure Their Mortgage After a Career Pivot
Calgary professionals used a refinance to adjust after a career change and avoided a $790/month jump at renewal.
How We Helped a Calgary Homeowner Avoid a Consumer Proposal by Using Their Home Equity
One Calgary client avoided a consumer proposal by using home equity to pay off high-interest debt. Here’s how refinancing saved her over $14,000/year.
Is Mortgage Interest Tax Deductible in Alberta?
Is mortgage interest tax deductible in Alberta? Learn how homeowners and investors can claim deductions with strategies like rentals and reinvesting equity.
From Prairie Roots to Pacific Shores: Spire Mortgage Now Serving Alberta, BC, Saskatchewan & Ontario
Now licensed in Alberta, BC, Saskatchewan & Ontario—Spire Mortgage offers clear, legal mortgage support across provinces, wherever life takes you.
Living Together? How It Affects Your Mortgage in Alberta
In Alberta, living together doesn’t make you mortgage-equals. Here’s what to know before your partner moves in — and how to protect your equity.
Energy-Efficient Home Rebates in Alberta: How to Get Up to 25% Back on Your Mortgage Insurance
Get up to 25% back on your mortgage insurance by choosing an energy-efficient home in Alberta. This rebate could save you thousands — here’s how it works.
Métis Down Payment Assistance Program Alberta: How to Qualify in 2025
Métis homebuyers in Alberta: You could get up to $20K toward your down payment starting Aug 5. Here's how to qualify — and what to do next.
CMHC's 2025 Shake-Up: What the New Multi-Unit Mortgage Insurance Changes Mean for Canadian Developers
Big changes are coming to CMHC’s multi-unit mortgage insurance in 2025. Here’s what Alberta developers and investors need to know.
Separated But Still on the Mortgage? Here's What You Can and Can't Do in Alberta
Still tied to your ex through the mortgage? Here’s what Alberta homeowners need to know to break free financially—without losing their credit or sanity.
How to Get a Mortgage While on Maternity Leave in Alberta
Can you buy a home on maternity leave in Alberta? Yes. Learn how lenders approve mortgages using your regular salary and return-to-work confirmation.
Will the Bank of Canada Cut Rates Again in 2025?
Will rates drop again this year? Alberta borrowers are locking in flexible strategies now. Here’s what the banks expect — and what smart clients are doing.
What To Do With a House You’ve Inherited in Alberta
Inheriting a home in Alberta? Here’s what to do next—mortgage, taxes, renting, refinancing, and smart strategies from Spire Mortgage.
So You’ve Hit Submit on That Mortgage Application…Now What?
You submitted your mortgage application — now what? Here’s what Alberta buyers can expect from pre-approval to keys in hand.
From the Desk of Renée Huse - July 2025
As we move into the second half of 2025, it’s not just the weather that’s heating up—so is the need for sharper, smarter financial decision-making. Whether you're buying, selling, renewing, or investing, this summer is a pivotal moment to check in with your mortgage strategy. Here's what we’re seeing on the ground and how you can prepare with clarity, confidence, and a solid Plan B.