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This Month A New Free Tool, a Rate Warning, and a Favour to AskHi there, I built something new this month. I also need to warn you about something happening with rates that nobody's talking about. And at the end — a small favour that takes 30 seconds. Let's get to it. |
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Here's the thing. You find a home you like on Realtor.ca. Maybe at an open house. Maybe your kid texts you a listing. The first question is always the same: What would that actually cost me per month? I built a tool that answers that instantly. Punch in the asking price — or snap a photo of the listing sheet — and you'll see:
No sign-up. No email required. No catch. Just answers. I made this because too many people fall in love with a home before knowing if the numbers work. This way, you know before you get emotionally invested. Try the free tool NOW. Send it to anyone you know who's thinking about buying. |
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This is the conversation I'm having five times a week right now. Someone gets their mortgage renewal letter in the mail. The bank offers them a rate. It looks reasonable. They think, "That's probably the best I can do." They sign it. They're done. But here's what they didn't know: I can almost always beat it. Your bank's renewal offer is their opening number — not their best number. They're counting on you not shopping around. I shop 20+ lenders in about 15 minutes. Even a 0.20% difference on a $400,000 mortgage saves you roughly $4,000 over a 5-year term.
If your renewal is coming up in the next 6 months, call me. It's free, it takes 15 minutes, and you'll know exactly where you stand. |
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On March 18, the Bank of Canada held its overnight rate at 2.25% for the third straight announcement. The prime rate sits at 4.45%. If you have a variable-rate mortgage, your payments didn't change. But here's the part nobody's talking about: fixed rates are going UP. Fixed mortgage rates are tied to bond yields, not the Bank of Canada rate. And bond yields have been climbing since the conflict in the Middle East started pushing oil prices toward $90–$100 a barrel. Higher oil = inflation risk = higher bond yields = higher fixed rates. The Bank of Canada's next announcement is April 29, 2026. Nobody knows which way they'll go — and that uncertainty is exactly why having a broker matters. I watch this daily so you don't have to. Bottom line: If you're buying, renewing, or refinancing in the next 6 months, locking in a rate hold now is smart — most lenders will guarantee a rate for 120 days. Call me and I'll shop 20+ lenders for your specific situation. That's the only way to know your real rate. |
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I don't have a billboard on Macleod Trail. I don't have a marketing team. My business grows one conversation at a time — and almost every new client starts the same way: "Someone I trust told me to call Shawn." That someone is you.
Thank you. For the referrals. For the trust. For picking up the phone and saying, "I told my friend to call you." That's how I've done this for 25+ years — and it's the part I'll never take for granted. — Shawn |
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Quick Links Apply Online · Free Calculators · Current Rates · All Services · Client Testimonials · About Shawn |
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SHAWN SELANDERS Senior Mortgage Professional | Veteran Your Local Mortgage Professionals 📞 403-703-6847 (call or text) 📍 614 High View Park NW, High River, AB T1V 1E5 |
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RECA-Licensed Mortgage Broker | 25+ Years Experience | Serving Calgary, Okotoks, High River & Southern Alberta You're receiving this because you've worked with me or expressed interest in mortgage information. Brokerage: Your Local Mortgage Professionals | O.A.C. E.&O.E. |
