Most Alberta buyers can rebuild their credit within twelve to twenty four months by improving payment habits, lowering balances, and planning early with a broker like Tina Kha Mortgages.

Most Alberta rental property owners can deduct mortgage interest, operating expenses, travel costs, and building depreciation to reduce yearly taxable income.

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.

In Edmonton, neighbourhoods such as Windermere, Glenora, and Oliver offer the strongest long-term rental ROI for real estate investors in Alberta.

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

Why Buy a Second Home? Purchasing a second home in Alberta is becoming increasingly popular among homeowners looking to expand their investments or enjoy a vacation retreat. A bright and modern living room in a Calgary home, perfect example of a second property that can serve as a relaxing retreat or a smart long-term investment. Whether you’re buying a cabin near Sylvan Lake, a rental property in Edmonton, or a vacation condo in Canmore, owning another home can provide lifes

For many Alberta homeowners, especially in Calgary, Edmonton, Red Deer, Lethbridge, and Airdrie , home equity represents one of the most powerful financial tools available. Whether you are planning a renovation, consolidating debt, or investing in another property, the two main ways to access your home’s value are through a mortgage refinance  or a Home Equity Line of Credit (HELOC) . Aerial view of a Calgary neighborhood with homes and a small lake. Understanding how these

Navigating the mortgage landscape in Canada can be complex and overwhelming. Whether you are a first-time homebuyer, looking to refinance, or seeking investment property financing, having the right guidance is crucial. Tina Kha offers expert mortgage solutions designed to meet the unique needs of Canadian homebuyers. This blog post explores how Tina Kha’s services can simplify your mortgage journey and help you secure the best possible financing options. Understanding Expert

Reverse mortgages are designed to help homeowners access the equity in their homes without the need to sell. This financial tool can be beneficial, but it’s crucial to understand the details. Are Reverse Mortgage Funds Taxable? One of the most common questions Alberta homeowners ask is whether reverse mortgage proceeds are taxable. Not Considered Income: The funds you receive from a reverse mortgage are considered loan proceeds, not income. This means they are not subject to

Buying your first home is exciting, but Alberta’s competitive housing market means there is little room for error. A young family moving into their first home in Alberta. Whether you are searching in Calgary, Edmonton, or growing cities like Red Deer, Lethbridge, Medicine Hat, and Fort McMurray, avoiding common mistakes can make the difference between a smooth experience and costly setbacks. Underestimating Costs One of the biggest first time home buyer mistakes in Alberta is

Many Albertans consider reverse mortgages when they want to access the equity in their homes without selling. While reverse mortgages can be useful in some cases, they are not the only option. Alberta homeowners have options beyond reverse mortgages. Depending on your financial situation, there are alternatives that may offer more flexibility or lower costs. Let’s look at some of the most common reverse mortgage alternatives in Alberta and how they compare. Home Equity Line o

Investing in rental properties in Alberta can be highly rewarding, but the choice between short-term rentals like Airbnb and traditional long-term leases is not always straightforward. Calgary and Edmonton each have unique market conditions that influence financing, regulations, and income potential. Downtown Edmonton is a strong rental market for investors. ˇ Differences in Financing Securing a mortgage for short-term rentals is different from financing a long-term investmen

Refinancing your mortgage can be a powerful financial tool, but the decision depends heavily on timing, market conditions, and your...

Buying your first home in Calgary can feel both exciting and overwhelming. The Calgary housing market has seen steady demand fueled by population growth, relative affordability compared to other major Canadian cities, and strong employment opportunities in Alberta. A welcoming Calgary home with open living space, the dream for many first-time buyers. While average home prices have risen in recent years, Calgary still offers more value compared to cities like Vancouver or Toro

Managing multiple high-interest debts can feel overwhelming, especially when you are juggling credit cards, lines of credit, and personal...

"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 mortgage brokers get paid?" Like all professions, mortgage brokers need to earn a living. Fortunately, in most cases, you won’t have to pay any fees to work with a mortgage broker. How Does the Process Work? Let’s break down how the process typically unfolds: You either reach out to me or are referred because you need a mortgage. We connect, and I

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 Interest Rate ). This is the rate banks pay to borrow money. One of the BoC’s primary responsibilities is managing inflation in Canada. It does this by adjusting the Overnight Lending Rate: If inflation is too high , the BoC raises rates to make borrowing more expensive. This slows down spending and curbs inflation. If inflation is too low , the Bo

Your credit score is vital in determining your mortgage eligibility and rates. It significantly influences the overall approval process. Borrowers with good or excellent credit scores typically enjoy lower interest rates, improved terms, and a smoother application experience. However, even if your credit isn't perfect, securing a mortgage is still possible. Let's explore how credit scores impact mortgage rates, and the options available for various credit situations. The Infl