by Shawn Selanders | Sep 8, 2026 | Rates & Renewals
Here is what most people miss about a mortgage renewal: it is the one moment in your entire mortgage where the power flips to you.When you bought your house, you needed the lender. At renewal, the lender needs you. Your mortgage is a performing asset they very much...
by Shawn Selanders | Sep 3, 2026 | Rates & Renewals
Yesterday the Bank of Canada held its policy rate at 2.25% — the seventh consecutive hold — and warned that tariffs and oil prices could still push inflation above 3%. Here is what that actually means at your kitchen table, in plain English.If you are on a variable...
by Shawn Selanders | Aug 23, 2026 | Mortgage Tips
I am going to be honest with you, because somebody in this conversation should be: a reverse mortgage is neither the miracle the TV commercials suggest nor the trap your neighbour warns about at coffee. It is a tool with a real price tag. Here is the price tag.The...
by Shawn Selanders | Aug 13, 2026 | Acreage & Rural
I live in Foothills County. I have been financing acreages around High River, Okotoks, Diamond Valley, and the rest of Southern Alberta since 1999. And here is what I can tell you: acreage mortgages do not fail because of the borrower. They fail on three questions...
by Shawn Selanders | Aug 3, 2026 | Mortgage Tips
Short answer: yes. And for a lot of Southern Alberta homeowners, it is the single biggest monthly-cashflow fix available to them. Here is how it actually works — and when it does not.The math nobody shows youSay you are carrying $40,000 across credit cards and a line...
