HOME EQUITY AND DEBT

Debt Consolidation

Roll credit cards and loans into one lower payment, and see how your options compare.

Read the guide

HOME EQUITY AND DEBT

Self-Employed Mortgages

How lenders look at business income and how to get your paperwork ready.

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PLANNING

Mortgage Broker vs. Bank

A bank offers its own mortgages. A broker can compare options across lenders.

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BUYING

First-Time Home Buyers

What you can afford, how much cash you need, and how to protect yourself before your offer goes firm.

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BUYING

Closing Costs

Legal fees, taxes and adjustments to budget for beyond the down payment.

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Mortgage Guides for Alberta and BC Homeowners

Straight answers to the questions we hear every day, from consolidating debt and using your home equity to renewing your mortgage. Each guide explains how lenders in Alberta and British Columbia look at your situation, what it costs, and what to ask before you sign.

HOME EQUITY AND DEBT

Refinancing and Home Equity

Your home's equity can pay off high-interest debt, fund a renovation or lower your monthly payments. Know what it costs first.

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OWNING

Mortgage Renewal

Your renewal letter is an offer, not your only option. Compare before you sign.

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PLANNING

The Mortgage Stress Test

Why the bank's number often comes in lower than you expected.

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BUYING

Mortgage Pre-Approval

A starting point for house hunting, not a guarantee. What it does and doesn't do.

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BUYING

Investment Property Mortgages

How lenders count rent, and how to run your own numbers.

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HOME EQUITY AND DEBT

Mortgages With Credit Challenges

Bad credit doesn't always mean the answer is no. It means you need the right lender and a plan.

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OWNING

Mortgage Penalties and Prepayments

Selling, refinancing or paying off early can come with a penalty. Know the rules before you need them.

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PLANNING

Fixed vs. Variable

How each handles rate changes, and which fits your budget.

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BUYING

Down Payments

How much you need, and how to prove where it came from.

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BUYING

Newcomer Mortgages

New to Canada? The paper trail you'll need for income, credit and down payment.

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PLANNING

Lender Policies

Why one lender's no isn't every lender's no, and the lenders we work with in Alberta and BC.

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Not sure which guide fits your situation?

Let's talk it through. Book a call and we'll go over your options with you.

Alberta: 587-900-0036 | BC: 604-200-3228

These guides are general information, not a mortgage offer or personal advice. Every approval depends on lender review of your income, credit, property and documents. Elevate Lending, powered by BRX, serves clients in Alberta and British Columbia.