Mortgage Tips15 min read
Calgary Mortgage Rates Guide 2026: How to Get the Best Rate
Compare Calgary mortgage rates for 2026. Fixed vs variable, stress test rules, and how mortgage broker Jay Singh finds the best rates across 60+ lenders.
Jay Singh·
Expert Insights
Mortgage Blog
Straight-talk mortgage advice, Calgary market updates, and strategies to save you money.
Latest Articles
Read, Learn, Save
Every article written to give you clarity — not to sell you a product.
AllFirst-Time BuyersSelf-EmployedRenewals & RefinancingInvestment PropertiesDeal RescueMortgage Tips
Mortgage Tips11 min read
Calgary Housing Market Forecast 2026: What Buyers Need to Know
Calgary housing market outlook for 2026: price trends, interest rate predictions, supply and demand, and what it means for home buyers and investors.
Jay Singh·
Mortgage Tips10 min read
Bank vs Mortgage Broker in Calgary: Which Gets You the Best Deal?
Should you go to your bank or use a mortgage broker in Calgary? Compare rates, service, lender access, and find out why 60+ lenders beats one bank.
Jay Singh·
First-Time Buyers9 min read
Condo vs House Mortgage in Calgary: Key Financing Differences
Buying a condo vs house in Calgary? Learn the mortgage differences — down payments, CMHC rules, condo fees, and how each affects your buying power.
Jay Singh·
First-Time Buyers10 min read
How Much Down Payment Do You Need for a House in Calgary?
Calgary down payment guide: minimum 5% rules, $500K threshold, 20% advantages, FHSA and RRSP programs, and creative strategies to save faster.
Jay Singh·
First-Time Buyers9 min read
Mortgage Pre-Approval Process in Calgary: A Step-by-Step Guide
Get mortgage pre-approved in Calgary: what documents you need, how long it takes, what affects your approval amount, and why pre-approval matters.
Jay Singh·
Mortgage Tips10 min read
Credit Score Requirements for a Mortgage in Calgary
What credit score do you need for a mortgage in Calgary? Learn minimum scores by lender type, how to improve yours, and options for bruised credit.
Jay Singh·
Deal Rescue8 min read
Emergency Mortgage Financing: When You Need Approval Fast
Need mortgage approval in 48-72 hours? Learn about emergency financing options, fast-track lenders, and strategies to save time-sensitive deals.
Jay Singh·
Self-Employed10 min read
Tax Optimization vs Mortgage Qualification: The Self-Employed Dilemma
Self-employed income strategies: balance tax write-offs with mortgage qualification. Learn when to optimize taxes vs when to show more income.
Jay Singh·
Investment Properties11 min read
Duplex, Triplex & Fourplex Financing in Calgary
Multi-unit property financing strategies: learn down payment requirements, rental income qualification, and how to house-hack your way to real estate wealth.
Jay Singh·
Deal Rescue10 min read
Consumer Proposal and Mortgage Approval: A Calgary Guide
Can you get a mortgage after a consumer proposal? Yes. Learn timelines, lender options, and strategies for mortgage approval in Calgary.
Jay Singh·
Self-Employed9 min read
Contractor & Freelancer Mortgage Guide for Alberta
Get approved for a mortgage as a contractor or freelancer in Alberta. Learn documentation requirements, income calculation, and lender options.
Jay Singh·
First-Time Buyers9 min read
First-Time Buyer Closing Costs in Calgary: A Complete Breakdown
Beyond the down payment: legal fees, title insurance, property tax adjustments, and hidden costs every Calgary first-time buyer needs to budget for.
Jay Singh·
Deal Rescue9 min read
Private Mortgages in Alberta: What You Need to Know
Private mortgages can save your home purchase when banks say no. Learn rates, fees, requirements, and when private lending makes sense.
Jay Singh·
Investment Properties9 min read
How Rental Income Affects Your Mortgage Qualification in Canada
Learn how lenders count rental income for mortgage qualification. Understand the 50% rule, 80% rule, and offset methods used by Canadian lenders.
Jay Singh·
First-Time Buyers10 min read
First-Time Home Buyer Guide: Calgary 2025
Everything first-time buyers need to know about purchasing a home in Calgary — from down payments and FHSA to closing costs and the stress test.
Jay Singh·
Renewals & Refinancing10 min read
Mortgage Refinance for Debt Consolidation in Calgary
Consolidate high-interest debt into your mortgage at 5% instead of 19%. Learn when it makes sense, costs involved, and risks to avoid.
Jay Singh·
Renewals & Refinancing9 min read
HELOC vs Refinance: Which Is Right for You?
Need to access home equity? Compare HELOC vs mortgage refinance on rates, flexibility, costs, and when each option makes the most sense.
Jay Singh·
Investment Properties14 min read
Complete Guide to Investment Property Financing in Calgary
Everything about financing rental properties in Calgary: down payments, rental income qualification, multi-unit strategies, and portfolio growth.
Jay Singh·
Mortgage Tips8 min read
How Much House Can I Afford in Calgary?
Learn how to calculate your maximum mortgage in Calgary using GDS/TDS ratios, the stress test, and real-world budgeting strategies.
Jay Singh·
Self-Employed10 min read
Stated Income Mortgage Programs in Canada: A Complete Guide
Self-employed or commission-based income? Learn how stated income mortgages work, who qualifies, rates, and alternative documentation options.
Jay Singh·
First-Time Buyers8 min read
30-Year Amortization for First-Time Buyers: What You Need to Know
New rules allow 30-year amortizations for first-time buyers on new builds. Learn how it affects payments, qualification, and total costs.
Jay Singh·
Investment Properties10 min read
Refinance-to-Purchase Strategy: Building Your Calgary Rental Portfolio
Use equity from your primary residence to fund investment property down payments. Learn the refinance-to-purchase strategy for portfolio growth.
Jay Singh·
Renewals & Refinancing13 min read
The Ultimate Mortgage Renewal Guide for Alberta Homeowners
Everything you need to know about mortgage renewals in Alberta: penalties, refinancing, equity takeout, and when to switch lenders.
Jay Singh·
Renewals7 min read
5 Costly Mortgage Renewal Mistakes Canadians Make
Most Canadians blindly sign their bank's renewal letter. Here are five mistakes that could cost you thousands — and how to avoid them.
Jay Singh·
Renewals & Refinancing10 min read
Should I Break My Mortgage Early? A Canadian Cost-Benefit Analysis
Breaking your mortgage before maturity triggers penalties. Learn how to calculate IRD vs 3-month interest, and when breaking makes financial sense.
Jay Singh·
First-Time Buyers9 min read
FHSA vs RRSP Home Buyers' Plan: Which Is Better for You?
Comparing Canada's two main first-time buyer savings programs. Learn which gives you better tax benefits and how to use both together.
Jay Singh·
Deal Rescue12 min read
The Complete Guide to Mortgage Deal Rescue in Calgary
When your mortgage falls through, you have options. Learn about deal rescue strategies, alternative lenders, and how to save your home purchase.
Jay Singh·
Self-Employed9 min read
Self-Employed Mortgage Guide: How to Get Approved in Canada
A complete guide for self-employed Canadians navigating the mortgage process — stated income programs, documentation tips, and lender strategies.
Jay Singh·
Investment9 min read
Investment Property Financing in Alberta: What You Need to Know
A complete guide to financing rental properties in Alberta — down payment requirements, rental income qualification, and portfolio scaling strategies.
Jay Singh·
Mortgage Tips7 min read
The Mortgage Stress Test Explained: What Calgary Buyers Need to Know
Understand Canada's mortgage stress test — how it works, who it affects, and strategies to qualify for more home in Calgary.
Jay Singh·
Deal Rescue8 min read
Declined for a Mortgage? Here Are Your Options in Alberta
Being declined doesn't mean you can't buy a home. Learn about alternative lenders, private mortgages, and deal rescue strategies in Alberta.
Jay Singh·
Mortgage Tips8 min read
Fixed vs Variable Mortgage Rates in Canada: Which Is Right for You?
An honest comparison of fixed and variable mortgage rates in Canada — the real pros, cons, and when each makes sense for Calgary homeowners.
Jay Singh·
Have a Mortgage Question?
Can't find what you're looking for? Book a free consultation and get answers tailored to your situation.
Ask Jay Directly