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You must re-qualify when you port your mortgage. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1719596608071-89CPUBZ0G81JGI0BM2GI/image-asset.jpeg Blog - Everything You Need to Know About Porting a Mortgage in Alberta https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/9ade648c-614a-4fdd-9c7d-92670b181298/Screenshot+2024-07-08+at+11.28.37%E2%80%AFAM.png Blog - Everything You Need to Know About Porting a Mortgage in Alberta - CMHC Insurance Premiums Chart The above table from CMHC provides you with a general idea of the premiums charged. 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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/2024-change-to-capital-gains-tax-that-impacts-real-estate-investors monthly 0.5 2024-04-19 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1713468690847-U4WYF0KX0CY1MN1WYBYR/image-asset.jpeg Blog - 2024 Change to Capital Gains Tax Could Significantly Impact Real Estate Investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/how-to-get-a-mortgage-when-you-are-new-to-canada monthly 0.5 2024-04-16 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1634057432834-KDBO9R6KQV8019BM6AT4/igor-kyryliuk-r5tCLcA2vlc-unsplash.jpg Blog - How to Get a Mortgage When You’re New to Canada Arriving in Canada in an environment where rents are very high and property prices have increased can be incredibly intimidating. At Spire, we’ve always had a focus on mortgages for New to Canada clients, but we’re focusing on improving these services more than ever. https://spiremortgage.ca/blog/april-2024-monthly-newsletter monthly 0.5 2024-05-07 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1712942938244-HC200GIZFDBMQQ4710HF/1.png Blog - April 2024 Monthly Newsletter https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1712942938403-QHBC6SLUW0U0LXSLVK9N/2.png Blog - April 2024 Monthly Newsletter https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1712942940282-GJY10KDU73UEGK766WNM/3.png Blog - April 2024 Monthly Newsletter https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1712942940429-RZO5X46YWZDLCUNII0AM/4.png Blog - April 2024 Monthly Newsletter https://spiremortgage.ca/blog/government-of-canada-introduces-30-amortization-for-first-time-buyers-purchasing-new-builds monthly 0.5 2024-04-18 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1712944958418-MXXNJQ8FJ1KFXQWITJT5/image-asset.jpeg Blog - Government of Canada Introduces 30 Amortization for First-Time Buyers Purchasing New Builds - Let’s look at an example: Buyers with a gross household income of $100k who are purchasing a resale home will be able to purchase a home at a max price of about $425,000 and will have a monthly payment of 2,345.93 Buyers with a gross household income of $100k who are purchasing a NEW BUILD home will be able to purchase a home at a max price of about $450,000 and will have a monthly payment of 2,285.64 Net impact: New Build vs. Resale - you can potentially purchase about $25k more house but have a payment that is $50 less each month. https://spiremortgage.ca/blog/what-to-look-for-besides-the-rate monthly 0.5 2024-04-12 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1711559532085-O6AO98DW7QZCTIYFOITO/image-asset.jpeg Blog - Choosing Mortgage Rates & Terms: What To Look For—Besides The Rate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/purchase-plus-improvements-mortgage monthly 0.5 2024-04-05 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1709747253386-DNOORANAQ3CK72XA1G36/image-asset.jpeg Blog - Purchase Plus Improvements Mortgage FAQs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1710968409195-T3E47BWO5OGXUY235N3L/image-asset.jpeg Blog - Purchase Plus Improvements Mortgage FAQs - Let’s look at an example: Purchase price of your new home: $600,000 Price of improvements: $35,000 Total purchase price of home will be: 635,000 Total down payment required will be 5% of $635,000 (this is a key point)! https://spiremortgage.ca/blog/2024-changes-to-ab-land-title-registration-fees monthly 0.5 2024-04-04 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1709660718386-8QXBJUE55DS787HIFNCM/image-asset.jpeg Blog - 2024 Changes to Alberta Land Titles Registration Fees - Home Purchase Scenario: → You are purchasing a $450,000 home with a 10% down payment → With the proposed fee structure changes, the fees for this home would be $955 → That is an increase of $553.50 from the current fee structure https://spiremortgage.ca/blog/guide-to-refinancing-a-mortgage-in-alberta monthly 0.5 2024-04-04 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1710275376136-5UWAEV5DZPBN1K0J6VGA/image-asset.jpeg Blog - Guide to Refinancing a Mortgage in Alberta - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1710275439586-0JVT4UUD9EEAJ2PR6WO4/image-asset.jpeg Blog - Guide to Refinancing a Mortgage in Alberta - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/glossary monthly 0.5 2024-02-09 https://spiremortgage.ca/blog/why-alberta-landlords-will-pay-interest-on-security-deposits-in-2024 monthly 0.5 2024-04-04 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1705094920067-UEFKPJPI8D8K2JDCHXZW/image-asset.jpeg Blog - Why Alberta Landlords Will Pay Interest on Security Deposits in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/rrsp-loan monthly 0.5 2024-04-04 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1704840423398-8WB23XHZKXHIZFPME2R1/image-asset.jpeg Blog - The Fastest Way to Get a Downpayment as a First Time Home Buyer - Did you know…that’s enough for a downpayment on a $600,000 home! https://spiremortgage.ca/blog/hybrid-mortgages monthly 0.5 2024-01-05 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1704220168086-H17H87DDDQO3GO84O50F/image-asset.jpeg Blog - Why the Hybrid Mortgage Could be a Great Option for Borrowers in 2024 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/first-home-savings-account monthly 0.5 2024-01-02 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1703276420027-QXJAE48F3WU0NCM45ZDU/image-asset.jpeg Blog - Why you should open a First Home Savings Account before Dec. 31 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1703276232013-OTB6NTD68GLIOIS3MBTK/image-asset.jpeg Blog - Why you should open a First Home Savings Account before Dec. 31 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1703276145603-20KC19UD2VR2753DJH3D/image-asset.jpeg Blog - Why you should open a First Home Savings Account before Dec. 31 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/is-it-go-time-for-variable-rate-mortgages-again monthly 0.5 2023-12-22 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1703004167927-86V37Y9N29KI6TT34HP1/image-asset.jpeg Blog - It is go time for Variable Rate Mortgages again?? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1703003419915-7NVNURD7RX7BNPLN4IRM/image-asset.jpeg Blog - It is go time for Variable Rate Mortgages again?? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/how-to-use-rent-payments-to-increase-your-credit-score monthly 0.5 2023-12-19 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1702492959895-HGD4T7322CSXE7ADIASB/image-asset.jpeg Blog - How to use Rent Payments to Increase your Credit Score - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1702488815691-Y4OJIKRYK5VI0A4V5AG7/image-asset.jpeg Blog - How to use Rent Payments to Increase your Credit Score - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1702488938165-515R9TMK4OXLSD4IUD3J/image-asset.jpeg Blog - How to use Rent Payments to Increase your Credit Score - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1702488895682-K6HKXRDB3S7BRR4ECZBZ/image-asset.jpeg Blog - How to use Rent Payments to Increase your Credit Score - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/our-new-mortgage-renewal-reminder-is-live monthly 0.5 2023-12-15 https://spiremortgage.ca/blog/why-use-a-mortgage-broker monthly 0.5 2023-11-04 https://spiremortgage.ca/blog/should-i-switch-from-a-variable-to-a-fixed-mortgage monthly 0.5 2023-10-22 https://spiremortgage.ca/blog/can-you-get-a-mortgage-to-build-a-house monthly 0.5 2023-10-15 https://spiremortgage.ca/blog/how-to-buyout-your-partner-in-a-mortgage-in-canada monthly 0.5 2023-10-15 https://spiremortgage.ca/blog/can-a-bank-deny-your-mortgage-renewal-in-canada monthly 0.5 2023-10-15 https://spiremortgage.ca/blog/does-a-line-of-credit-affect-mortgage-approval monthly 0.5 2023-10-07 https://spiremortgage.ca/blog/what-is-a-mortgage-agent monthly 0.5 2023-09-24 https://spiremortgage.ca/blog/do-you-need-a-mortgage-for-pre-construction monthly 0.5 2023-09-09 https://spiremortgage.ca/blog/83wv2ri2e1er3y9ly1v0f209d7bzh7 monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/78140f43-784b-4a89-a4b3-deda9457a48b/Screenshot+2023-08-17+at+12.55.22+PM.png Blog - Unlocking the Power of Mortgage Pre-Payment Privileges: A Path to Early Mortgage Freedom - Make it stand out *Disclaimer below https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/67dacd3d-557c-4e19-b89b-d8dc24338e0e/Screenshot+2023-08-17+at+11.45.25+AM.png Blog - Unlocking the Power of Mortgage Pre-Payment Privileges: A Path to Early Mortgage Freedom - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/5515da09-0733-465b-a924-b40e1bcd5356/Screenshot+2023-08-17+at+11.43.05+AM.png Blog - Unlocking the Power of Mortgage Pre-Payment Privileges: A Path to Early Mortgage Freedom - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/86bd4693-f342-4996-a767-0f2191284af0/Screenshot+2023-08-17+at+11.40.59+AM.png Blog - Unlocking the Power of Mortgage Pre-Payment Privileges: A Path to Early Mortgage Freedom - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/how-does-a-construction-mortgage-work-in-canada monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-is-a-draw-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/pros-and-cons-of-buying-a-pre-sale-condo-in-calgary monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-to-discharge-a-mortgage-in-alberta monthly 0.5 2024-04-05 https://spiremortgage.ca/blog/2023-q3-update monthly 0.5 2023-08-02 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691002800211-JQBRRRIMTJXZO587Y0DL/unnamed+%283%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691002799988-EJN9MZKVFO4G2WXW7MLP/unnamed+%284%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/c9c0acf5-677e-47ba-8ae2-65d4d9ec8981/unnamed+%285%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691003255609-3X0LWGM8ZNSXDZ4PRA7Y/unnamed+%287%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691003255609-PBNQK53JYL44EA4ZN6Z2/unnamed+%288%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691003538634-8GIL5NJPLZ91GRPB5U3Q/unnamed+%289%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1691003538842-DGNV5Z4SSJAFEW9QB83Z/unnamed+%2810%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/004952a4-d375-43e4-9966-e6439b7e1a5d/unnamed+%2811%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/4eff9402-f1bc-4301-82e3-01ede53afcb7/unnamed+%2812%29.png Blog - Spire’s 2023 Q3 Mortgage and Housing Update - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/how-long-after-bankruptcy-can-i-get-a-mortgage-in-canada monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/private-mortgage-lenders-calgary monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-to-get-a-mortgage-in-alberta monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-is-a-vendor-take-back-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/mortgage-broker-calgary-reviews monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-late-can-banks-send-mortgage-instructions-to-lawyers monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-to-switch-from-a-variable-mortgage-to-a-fixed-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/demystifying-the-central-banks-interest-rate-policy monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-is-a-b-lender-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-to-bring-to-your-mortgage-broker monthly 0.5 2023-05-06 https://spiremortgage.ca/blog/can-you-get-a-mortgage-with-a-consumer-proposal monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/can-i-get-a-mortgage-on-maternity-leave monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/do-student-loans-affect-your-mortgage-in-canada monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/the-foreign-buyer-ban monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/can-you-lock-in-a-variable-rate-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/spires-google-reviews monthly 0.5 2024-03-26 https://spiremortgage.ca/blog/renovating-your-home-tips-for-maximizing-your-investment monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/100-ways-to-save-money-for-a-down-payment-on-your-first-home monthly 0.5 2023-03-02 https://spiremortgage.ca/blog/5-reasons-to-use-a-home-equity-loan-in-canada monthly 0.5 2023-02-23 https://spiremortgage.ca/blog/should-i-buy-a-house-before-i-buy-a-car monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-to-get-the-lowest-mortgage-rates-in-canada monthly 0.5 2023-02-23 https://spiremortgage.ca/blog/7-tips-for-buying-a-home-in-a-market-with-low-inventory monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-programs-are-available-for-first-time-home-buyers monthly 0.5 2024-07-29 https://spiremortgage.ca/blog/why-you-shouldnt-be-a-landlord-in-alberta monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-can-i-pull-equity-out-of-my-house monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/should-i-pick-a-fixed-or-variable-rate-mortgage monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/first-time-home-buyers-savings-account-fhsa monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/mortgage-faqs monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-does-it-mean-to-co-sign-a-mortgage monthly 0.5 2025-07-22 https://spiremortgage.ca/blog/anti-flipping-tax-canadas-new-house-flipping-rule monthly 0.5 2023-01-30 https://spiremortgage.ca/blog/should-i-purchase-real-estate-in-a-holding-company monthly 0.5 2024-04-05 https://spiremortgage.ca/blog/why-do-i-need-a-mortgage-pre-approval monthly 0.5 2023-01-24 https://spiremortgage.ca/blog/flipping-houses-in-calgary monthly 0.5 2023-01-19 https://spiremortgage.ca/blog/2023-calgary-property-assessment-is-wrong monthly 0.5 2023-01-10 https://spiremortgage.ca/blog/reasons-why-new-builds-are-good-investments monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/top-5-things-that-can-go-over-budget-when-youre-building-a-custom-home monthly 0.5 2023-01-10 https://spiremortgage.ca/blog/types-of-builder-contracts monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/what-you-need-to-know-before-building-your-dream-home monthly 0.5 2023-01-10 https://spiremortgage.ca/blog/how-to-choose-a-builder-for-your-custom-home monthly 0.5 2023-01-10 https://spiremortgage.ca/blog/understanding-gds-and-tds-ratios monthly 0.5 2023-10-07 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1634582493740-LSUSINULE6XP8TMPLEZN/blog-debt-to-income.jpg Blog - Understanding GDS and TDS Ratios Calculating your GDS and TDS are one of the most important steps to becoming pre-qualified for a mortgage. But what do these terms actually mean? https://spiremortgage.ca/blog/assumable-mortgages-in-calgary-what-to-know monthly 0.5 2024-04-05 https://spiremortgage.ca/blog/how-does-the-5-year-canadian-bond-yield-affect-you monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/the-newly-proposed-tax-free-first-home-savings-account monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/mortgageinsurance monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/julymortgagerateupdate monthly 0.5 2022-07-18 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/24c5fe01-e2cf-43ab-a79b-771a045c306f/Screen+Shot+2022-07-18+at+9.12.01+AM.png Blog - July Interest Rate Update The graph outlines the BOC overnight lending increases since early 2022. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1658157386347-YK1UTFC9Y3OQ2OXJAUTA/4.png Blog - July Interest Rate Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1658157387597-TGKAP8TOTWZAI2916OX3/3.png Blog - July Interest Rate Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1658157387865-6TDSBPMG41S42MBMTEK7/2.png Blog - July Interest Rate Update https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1658157388615-EKEPJD574PPZZPDL79VR/1.png Blog - July Interest Rate Update https://spiremortgage.ca/blog/why-you-cant-qualify-for-the-best-mortgage-rate monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1652063553947-IMWXZIB31X7B3OTJO6UY/headway-5QgIuuBxKwM-unsplash.jpg Blog - Why You Can’t Qualify For The Best Mortgage Rate? Despite fluctuating inflation and interest rates, homebuyers always want the best and most competitive mortgage rates when they are purchasing a home. We get the question all the time, “How can I get the best interest rate?” https://spiremortgage.ca/blog/how-to-get-a-mortgage-in-alberta-when-youre-relocating-from-out-of-province monthly 0.5 2024-05-14 https://spiremortgage.ca/blog/recap-from-the-january-26th-interest-rate-announcement monthly 0.5 2022-01-31 https://spiremortgage.ca/blog/january2022rateupdate monthly 0.5 2022-01-31 https://spiremortgage.ca/blog/what-lenders-pull-your-credit monthly 0.5 2021-12-13 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1637612397815-LJ2RVFZP0DW8YQ54DDZG/rupixen-com-Q59HmzK38eQ-unsplash.jpg Blog - Are You Curious About What Lenders Pull Your Credit After The Broker Pulls Your Credit? - What Should You Expect? Recent updates to TransUnion and Equifax will show which lenders the deals were submitted to, this is why clients are seeing more on their bureau. You will see BKR then the lender name when this happens. https://spiremortgage.ca/blog/fixed-price-vs-cost-plus-construction-contracts monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1636994077164-YLO4HE79KV0IK7IARKRK/Understanding-your-contract.jpg Blog - Fixed Price vs. Cost Plus Construction Contracts Building a new home can be both exciting and intimidating. There are a lot of things to learn about the process and a lot of important decisions to make. One of those decisions might be regarding the form of construction agreement you sign with your contractor. The type of contract that is best for you will depend on a combination of factors including your preferred alignment of incentives, budget flexibility, tolerance for risk, need for detailed disclosure, time and willingness to monitor the process and ability to effectively assess the costs. https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1636988635249-GFDH4LZE4J4170IQYAZR/Scott+Bollinger+Photo Blog - Fixed Price vs. Cost Plus Construction Contracts - Scott Bollinger Lawyer and Founder of Bollinger & Associates Law https://spiremortgage.ca/blog/downpayment-101 monthly 0.5 2024-11-06 https://spiremortgage.ca/blog/title-insurance-explained monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1635800865912-0LL1E0E8VHBDDZFTICNE/Man-covering-house-representing-title-insurance-benefits.jpg Blog - Title Insurance Explained - What is Title Insurance Title insurance is an insurance policy that is paid for by the purchasers of a property, to protect the buyers AND the lender’s interests against losses that may arise with respect to the property’s title or ownership. Even though, in Alberta, we use the Torrens System to register title, mistakes can happen. Title insurance protects against these mistakes. It is very important that you have an experience Real Estate Lawyer when you close your Real Estate transaction, but title insurance protects you in the small percentage chance there is an issue with the title between the time you sign at the lawyer and the time of funding. https://spiremortgage.ca/blog/credit-checks-soft-vs-hard-checks monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1633212085372-LYGVEWRXHCSIBOQ398H9/unnamed.jpg Blog - Credit Checks: Soft vs. Hard Checks Almost every day we have clients ask if we need to do a “hard credit check” to get them pre-approved for a mortgage. The answer is simple, YES. We need to make sure that we fully understand our clients credit profiles, that the credit bureaus have the most up to date information and that the bureaus aren’t reflecting any mistakes. You would be surprised to hear that in about 1 out of 10 files we see a mistake or inaccurate balance on our clients credit reports. We want to know all of this information BEFORE our clients write and offer, this way we can be out in front of the lender getting the bureau updated prior to submitting a mortgage application. https://spiremortgage.ca/blog/4-key-steps-to-take-before-you-write-an-offer-on-a-home monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1632423607540-0UXTNBKSK9K0MVZETFNM/pexels-kindel-media-7578939.jpg Blog - 4 Key Steps to Take Before You Write an Offer on a Home Many emotions come with such a big decision. Take your time and don’t try to rush the process, this should be an enjoyable part of your life. This is going to be one of the biggest financial purchases you make so be sure to have a plan in place before you pull the trigger on a property purchase. https://spiremortgage.ca/blog/2021-election-and-house-affordability-promises monthly 0.5 2021-09-23 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1632161072092-A67U1THU0HWC9MSZMZ1R/Canadian-voter.jpg Blog - How is Each Party Addressing Affordability and Supply in the Housing Market in the 2021 Federal Elections? Since 2000, prices have risen 160% in inflation-adjusted dollars. Meanwhile, the housing supply has grown in lockstep with new households, even as average household sizes have fallen. https://spiremortgage.ca/blog/first-time-home-buyers-tax-credit monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1629211118835-412SE0Y58JIW11AC3RUG/pexels-pixabay-209224.jpg Blog - First-Time Home Buyers' Tax Credit: What it is and how it works Being a first-time home buyer can be a stressful ordeal. Of course, when you throw in a pandemic, a high cost of real estate, with an even higher cost of living, it can make the entire process feel so unattainable. https://spiremortgage.ca/blog/pros-and-cons-of-using-a-bank-or-broker monthly 0.5 2021-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1628878309642-KR264ZIY1MJPSSWXN90L/realtor-real-estate-real-estate.jpg Blog - What are the Pros and Cons of using a Mortgage Broker? - There was once a time when shopping for a mortgage was as easy as heading to your local bank and sitting down with a mortgage professional to go over your options; it sounds like a standard process, right? It sure does…but, times have changed, there are lots of options on the table now. Let’s get into the “broker vs banker” debate and help you look at some of the pros and cons. https://spiremortgage.ca/blog/your-post-pandemic-mortgage-strategy monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1628267008590-VMNL60IR8FEROI7GD7BQ/pexels-curtis-adams-5178040.jpg Blog - Your Post Pandemic Mortgage Strategy - I am sure most of you are familiar with the process of applying for a mortgage, but since the pandemic, there are a few things that have changed. Lenders and insurers have really increased their scrutiny on your deals and it’s important that your mortgage application addresses how you were impacted by the pandemic. Here are a few steps you need to consider before getting a mortgage post pandemic, or in the words of Hinshaw – “endemic.” https://spiremortgage.ca/blog/covid-19-and-tax-filing monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1628014955685-EJLGP8IFCPFXZU69MMV3/markus-winkler-Ber3q-zEhd4-unsplash.jpg Blog - COVID-19 and Tax Filing - If you haven’t already – file those 2020 taxes and figure out where you stand! https://spiremortgage.ca/blog/buyingmyfirsthome monthly 0.5 2021-08-06 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1627309778260-OWTYW2LHJJAQ0FW7Z78G/WhatsApp+Image+2021-07-25+at+7.08.42+PM.jpeg Blog - Buying My First Home in Calgary - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/down-payment-explained monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1622146787713-J34EUW30DD90OJGENNSK/Screen+Shot+2021-05-27+at+2.18.57+PM.png Blog - Down Payment - Explained! - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://spiremortgage.ca/blog/variable-vs-fixed-rate-mortgages monthly 0.5 2021-03-24 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1616605206797-J81403PQV7PPF1NGQNJF/Add%2Ba%2Bsubheading.jpg Blog - Variable vs. Fixed Rate Mortgages? How do you choose? Source for graph: Ratehub.ca https://spiremortgage.ca/blog/sagenalbertahousingreport monthly 0.5 2021-03-02 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1614693243459-LOAHTRIK6DWBJ29D6FNZ/Screen+Shot+2021-03-02+at+6.53.09+AM.png Blog - Sagan’s Alberta Housing Market Report for January https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1614693264170-7E44CRYDA06V32Q81KCU/Screen+Shot+2021-03-02+at+6.53.35+AM.png Blog - Sagan’s Alberta Housing Market Report for January Thank you Sagen for the report! https://spiremortgage.ca/blog/the5csofcredit monthly 0.5 2021-01-04 https://spiremortgage.ca/blog/building-trust-in-tenant-relationships monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1590250427845-19QEKCW6HGJD48GKX8W3/Screen-Shot-2018-02-07-at-2.41.07-PM.png Blog - Building Trust in Tenant Relationships https://spiremortgage.ca/blog/budgetingandspendingtips monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1590249943786-1IQS2M4JRHQQL2JQDHBC/clock.png Blog - Spending with your True North in Mind https://spiremortgage.ca/blog/investing-with-your-true-north-in-mind monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1590249668514-TD6Y3R27OAUCY4LFXGBE/True+North Blog - Investing with your True North in mind https://spiremortgage.ca/blog/value-of-a-mortgage-broker-in-calgary-during-covid19 monthly 0.5 2020-05-19 https://spiremortgage.ca/blog/calgarydivorcemediator monthly 0.5 2020-05-16 https://spiremortgage.ca/blog/swellprivatewealth monthly 0.5 2020-05-16 https://spiremortgage.ca/blog/nuerainsurance monthly 0.5 2020-05-16 https://spiremortgage.ca/blog/covid19andmentalhealth monthly 0.5 2020-04-28 https://spiremortgage.ca/blog/cirrealty monthly 0.5 2020-04-28 https://spiremortgage.ca/blog/greatwestradon monthly 0.5 2020-04-24 https://spiremortgage.ca/blog/kipsimon22fresh monthly 0.5 2020-04-23 https://spiremortgage.ca/blog/theplumbinggurus monthly 0.5 2020-04-23 https://spiremortgage.ca/blog/budgeting-during-covid-19 monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/its-april-1st-rent-and-mortgage-deferrals-during-covid-19 monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/mortgage-deferrals-during-the-covid-19-crisis monthly 0.5 2020-03-30 https://spiremortgage.ca/blog/the-kiss-of-death-missed-mortgage-payments monthly 0.5 2023-08-17 https://spiremortgage.ca/blog/how-watching-cinderella-man-changed-my-life-forevernbsp monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1583787317028-TIUQRQAGEPC4RHOFLM91/image-from-rawpixel-id-446676-jpeg.jpg Blog - How watching Cinderella Man changed my life FOREVER.  https://spiremortgage.ca/blog/flipping-a-property-in-calgary-with-10k-down-what monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1583786889343-DC1D7UOIZCCWGHR07XEX/image-from-rawpixel-id-386935-jpeg.jpg Blog - Flipping a property in Calgary with 10k down - What?! https://spiremortgage.ca/blog/spending-with-your-true-north-in-mind monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1583786571880-V9HLCE15CXMKBR94N1V8/image-from-rawpixel-id-441976-jpeg.jpg Blog - Spending With Your True North in Mind https://spiremortgage.ca/blog/10-tips-for-saving-for-your-down-payment monthly 0.5 2023-08-17 https://images.squarespace-cdn.com/content/v1/5e446a93a2964f55351bd28e/1583779590773-UV1YB2Z549SZ2BLLAE8N/image-from-rawpixel-id-385627-jpeg+%281%29.jpg Blog - 10 Tips For Saving For Your Down Payment https://spiremortgage.ca/blog/category/Flipping monthly 0.5 https://spiremortgage.ca/blog/category/multifamily+financing monthly 0.5 https://spiremortgage.ca/blog/category/Calgary+Real+Estate monthly 0.5 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