Equity take out mortgages let Alberta homeowners access up to 80 percent of their home value to cover renovations, debt consolidation, or major expenses.

Alberta homeowners can compare reverse mortgage lenders safely by reviewing rates, fees, borrowing limits, payment options, and long-term equity projections.

In Alberta, homeowners can use a HELOC to fund the down payment or purchase of an investment property, as long as they meet lender qualification rules.

Most Alberta homeowners refinance when they can secure a lower rate, consolidate debt, access equity, or upgrade to a better mortgage product.

Re-amortizing your mortgage at renewal lets Alberta homeowners extend their amortization period to lower monthly payments without refinancing.

When your mortgage term ends, it’s the perfect opportunity to reassess your financial goals and secure a better rate. Whether you live in Edmonton, Calgary, St. Albert, Sherwood Park, Airdrie, or Red Deer, learning how to negotiate your mortgage renewal can help you save thousands over time. Aerial view of downtown Edmonton, Alberta, where many homeowners review their mortgage renewal options to secure better rates. Below are five practical mortgage renewal negotiation tips  

As Alberta homeowners approach retirement, many look for ways to access the equity built up in their homes without having to sell or move. A reverse mortgage can be an appealing option, especially for residents in areas like Calgary , Edmonton , Red Deer , Lethbridge , and Medicine Hat , where property values have grown steadily. Modern infill homes in an established Edmonton neighborhood, reflecting the growing appeal of reverse mortgages for Alberta homeowners looking to st

What Is Mortgage Porting? Mortgage porting allows you to transfer your existing mortgage rate, term, and conditions from your current property to a new one. This can be a great option if you’re moving from Calgary to Edmonton , or between other Alberta cities such as Red Deer , Lethbridge , or St. Albert , and want to keep your low interest rate. Modern Edmonton home at dusk, representing the move-up market many Calgarians consider when relocating north. Pros of Porting: Avoi

What Are Refinance Penalties? When you refinance your mortgage before your current term ends, your lender may charge a prepayment penalty  to recover some of the interest they would have earned. View from The Guardian Tower in Calgary, showing how smart refinance timing protects your home’s value. These penalties are common in Alberta cities like Calgary, Edmonton, Red Deer, and Lethbridge , especially when homeowners refinance early to access equity or secure better rates. I

Why Consider Switching? When your mortgage comes up for renewal, you’re not obligated to stay with your current lender. Many homeowners...

Renewing your mortgage might seem straightforward, but timing can make a big difference. Whether you’re renewing for a better rate or...

Reverse mortgages have become a popular financial option for homeowners in Alberta who want to access equity without selling their homes....

Many Albertans consider reverse mortgages when they want to access the equity in their homes without selling. While reverse mortgages can...

"Thinking about refinancing your mortgage in Alberta? Learn how refinancing can lower your payments, access home equity, and secure better rates with expert guidance from Tina Kha.

Reviewing mortgage documents with an Edmonton advisor. As a mortgage broker in Canada, I often receive a common question: "How do...

To put it simply, the Bank of Canada (BoC) creates and lends money to banks at what’s called the Overnight Lending Rate (or Key...