Free Guides · Written for Alberta · No Email Required
Nineteen guides, every one written for Alberta borrowers by a broker licensed here since 1999. No sign-up walls, no watered-down teasers - click, download, keep.
Why you won't find a single rate printed in these guides
Rates change weekly; a PDF doesn't. A guide that prints a rate is stale the month after it's written - and a stale rate is a broken promise. These guides teach you the rules, the programs and the strategy that stay true, and when you want today's actual numbers on your actual file, that's a fifteen-minute call: 403-703-6847.
Buying Your Home
Your First Home: The Complete Alberta Checklist
The FHSA, the Home Buyers' Plan, the GST rebate, the 12-month roadmap - every box between you and your first set of keys, in order.
Download the ChecklistWhat to Expect on Closing Day
Accepted offer to keys in hand: what your lawyer does, what it costs, the bank-draft rule, and your first week as an owner.
Download the GuideThe Stress Test, Explained
Why you must qualify at a higher rate than you'll pay, what it does to your buying power - and the four levers that legitimately create room.
Download the GuideAlready Own a Home
The Mortgage Renewal Playbook
Your renewal season starts six months out, not the week the letter arrives. The timeline, the switch rules, and the penalty-free restructure window.
Download the PlaybookHELOC vs. Refinance
Two very different tools for the same equity - how each works, what each honestly costs, and the decision filter that picks the right one.
Download the GuideOne Payment Instead of Five: Debt Consolidation
Using the equity you built to retire high-interest debt - how it works, what it costs, and the honest once-per-behaviour-change truth. No judgment anywhere.
Download the GuideSecond Mortgages & Private Lending, Straight
Short-term tools with real costs: when a second beats breaking your first, the red flags that end conversations, and the exit plan that keeps a bridge from becoming a trap.
Download the GuideSpecial Situations
The Self-Employed Mortgage Guide
Your accountant shrinks your taxable income; the bank lends against it. The write-off paradox, three paths to approval, and the exact document list.
Download the GuideReverse Mortgages: Facts vs. Myths
The eight myths answered plainly - including the two your kids believe - plus who it genuinely fits, and a note to adult children.
Download the GuideDivorce & Your Mortgage
Your four options, the spousal buyout program that goes to 95%, and the order of operations that protects both credit files.
Download the GuideNew to Canada? You Can Own Here
PR, work permit, thin credit - the newcomer programs built for exactly you, and the money-trail rules that keep your file moving.
Download the GuideThe Investment Property Guide
The 20% rule and its live-in exception, how lenders actually read rental income, and why Alberta is the landlord-friendly market.
Download the GuideProperty Types
Construction & Renovation Mortgages
Draw mortgages, purchase-plus-improvements, and the renovation refinance - matched to the right project, with the cash-flow gap nobody warns you about.
Download the GuideAcreages & Rural: Different Rules
Wells, septic, outbuildings, fire halls - and the three questions that decide every rural file before a lender ever sees it.
Download the GuideArea Guides - Southern Alberta
Buying in High River
My home town - literally. The neighbourhoods, the straight flood conversation, and the buying checklist tuned for this town.
Download the ChecklistBuying in Okotoks
Twenty-one years of living there, distilled: the neighbourhoods from Westridge to Air Ranch, the commute math, the checklist.
Download the GuideBuying in Calgary
The quadrants from a broker who has financed all of them since 1999 - plus the condo due diligence that saves buyers from beautiful problems.
Download the GuideBuying in Diamond Valley
Foothills living where Turner Valley and Black Diamond became one town - and the town-lot-or-acreage financing fork every buyer here faces.
Download the GuideBuying in Foothills County
The country between the towns - De Winton to Millarville. Acreage rules, the rural budget lines city buyers never learned, the full checklist.
Download the GuideA guide gets you ready. A conversation gets you approved.
Every guide ends the same honest way: your real number takes fifteen minutes with your real file. No cost, no pressure, straight answers - since 1999.
Call or Text 403-703-6847