by Shawn Selanders | Oct 5, 2026 | Mortgage Tips
Read this first • 30 seconds▶$60,000 on cards at 20% is about $1,000 a month in interest. It buys you nothing and reduces nothing.▶You can refinance to 80% of your home's value. Above that, no - there is no back door.▶Stretch it over...
by Shawn Selanders | Sep 28, 2026 | Mortgage Tips
Read this first • 30 seconds▶Interest on money you borrow to invest is tax-deductible only in a regular, non-registered account that earns income. Borrow to fund a TFSA or RRSP and there is no deduction. None.▶On $100,000 at 4.7%, that is...
by Shawn Selanders | Sep 21, 2026 | Rates & Renewals
On September 2 the Bank of Canada held its rate at 2.25% for the seventh straight time. Nobody blinked. Then, two weeks later, it published the minutes from that meeting - and buried in them is a sentence every Alberta homeowner with a renewal coming should read...
by Shawn Selanders | Sep 14, 2026 | Home Buying
The August numbers are out from the Calgary Real Estate Board, and the headline is quiet: "Sales and new listings slow in August." Here is what the numbers actually say, and what they mean if you are buying or selling in High River, Okotoks or the Foothills.1,986sales...
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...
