Stacey Lush, Calgary Mortgage Broker

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Calgary, AB
Stacey Lush, Calgary Mortgage Broker

Your home is your biggest asset, your mortgage should compliment it! I work with a team of mortgage experts, we work together to support your financing goals.

Connect today to learn more about how we can support you.

04/30/2026

5 years done. 1 pin earned. Year 6 already in motion.

I've been reflecting on how much can happen in half a decade: the clients who became friends, the families I've helped into their first homes, the renewals, the refinances, and yes, even the deals that tested every ounce of patience I had.

Five years of learning, growing, and being reminded daily that mortgages aren't just numbers on a page , they're keys, kitchens, kids' bedrooms, and fresh starts.

To every client who has trusted me with their mortgage, every referral partner who's sent me business, and every late-night "is this rate still good?" text -Thank you!

This career has been one of the best decisions I've ever made.

Here's to year six and beyond. 🥂🏡

04/29/2026

No change to interest rates today!

The Bank of Canada just announced they are keeping interest rates at 2.25%.

What does this mean for you?

Mortgages & Loans: If you have a variable-rate loan, your payments stay the same for now.

Why the wait? The Bank is watching two big things: the war in the Middle East (which is making gas prices go up) and new trade rules with the U.S.

What’s next? They expect the economy to grow slowly this year. If gas prices stay high and everything else gets more expensive, they might have to raise rates later. But for today, everything stays put.

If you have questions, I have answers reach out today!

04/16/2026

Waiting until you save 20%? You might be waiting forever (and losing money).

One of the biggest hurdles keeping people in the rental cycle is the "20% Rule." 🛑

Here’s the truth: In today’s market, waiting to hit that 20% down payment mark often means home prices rise faster than you can save. You're chasing a moving target.

The Lush Strategy:

Buy with 5% down: Get into the market now and start building equity.

Stop paying 100% interest: That’s what rent is, after all. 💸

Often, the appreciation on your home over 2 years far outweighs the cost of mortgage insurance.

Ditch the "old school" rules. Embrace a new strategy that fits your timeline. Let's make homeownership a current realty not a future dream. 🗝️

"Ready to stop overpaying rent and start building equity? Think you're still years away from buying? You might be closer than you think.

Drop a '🏠' in the comments, and I’ll send you a message to start your personalized homeownership plan."

04/14/2026

The best mortgage advice doesn't start with a spreadsheet.

It starts with a simple conversation over a cup of coffee. ☕️

I know the headlines are full of confusing rate forecasts and scary predictions. It’s easy to feel overwhelmed. But before we ever talk about points, pre-approvals, or debt-to-income ratios, I want to know about you.

Are you planning for a growing family?

Looking for a place to start your small business?

Finally settling down in your dream neighborhood?

The "right" mortgage isn't the one with the lowest rate; it’s the one that best fits the life you are building.

Let's skip the corporate office. Meet me at your preferred coffee spot instead. I’ll buy the first round. Your home journey doesn't have to be stressful.

DM me the word "COFFEE" to book a no-pressure, friendly chat. ☕️

04/10/2026

Waiting for rates to drop? You might be outbidding yourself.

It sounds counterintuitive, I know. "Stacey, why wouldn't I wait for a 1% lower rate?" 📉

Here’s the "Broker Secret": When rates drop, the floodgates open.

Right Now: You have leverage. You can negotiate price, ask for repairs, and take your time.

When Rates Drop: The "sideline buyers" rush in. Bidding wars return, and home prices often jump by more than what you’d save on that interest rate.

The Strategy: Buy the house at today's price with less competition, then refinance the rate later. You can change your rate, but you can't change your purchase price.

Let’s run the numbers for your specific budget and see if waiting is actually working in your favor—or costing you thousands in future equity.

DM me "STRATEGY" and let’s look at the real math for the neighborhood you’re eyeing!

04/08/2026

Is that daily latte really why you can't afford a home? (Spoiler: No.)

Let’s be real—I’m a mortgage broker, not your barista. I don't care if you buy the coffee. But I do care if you’re overpaying for your mortgage because you didn't shop the rate.

Check this out:

Scenario A: You take the first rate your big bank offers.

Scenario B: We shop the market and shave off just 0.5%.

On a $400,000 mortgage, that small tweak saves you roughly $120–$150 per month. That’s about 20 lattes. ☕️

You keep the coffee habits; I’ll handle the interest rate math. If you're looking to buy or renew this year, let’s see how much "coffee money" we can put back in your pocket.

Drop a "☕️" in the comments if you want a quick breakdown of current rates!

04/03/2026

Don't put all your eggs in one basket. 🧺🏠

Easter is about more than just chocolate—it’s about celebrating the things that make life sweet. For most of us, that starts with having a home where we can gather, celebrate, and grow.

Whether you’re hunting for:

A bigger backyard for the ultimate egg hunt 🌷

A kitchen built for Sunday dinner hosting 🥘

Or just a better rate so you can save for your next adventure 💰

I’m here to help you navigate the "spring scramble" of the mortgage market.

Wishing you and your family a peaceful, joyful, and "egg-stra" special Easter weekend!

Enjoy the long weekend! I’ll be back and ready to help you hop into your next home on Monday.

04/01/2026

BIG NEWS! 🚨 Following the recent market shifts, we are excited to announce our newest mortgage product: The "IOU" Flex-Rate Loan.

The Details:

Down Payment: One high-five and a firm handshake.

Interest Rate: Dependent on the weather in Maui.

Closing Costs: A box of assorted donuts (must include sprinkles).

Credit Score Requirement: As long as you’ve never been "Skipped" in Uno, you’re cleared to close!

APRIL FOOLS! 🤡

Okay, maybe we can’t accept donuts as a legal form of currency (believe me, I’ve asked), but we can make the real process a lot less scary than the headlines suggest.

While the "IOU" loan isn't real, my commitment to finding you a rate that doesn't feel like a prank is 100% genuine.

Thinking of buying or refinancing? Let’s chat—no jokes, no gimmicks, just solid advice.

03/30/2026

📈 The Rate Debate: Fixed or Variable in Today’s Market?

The headlines are full of talk about rising interest rates, and I know what you’re thinking: "Is now the time to lock it in, or should I ride the wave?"

As your mortgage partner, I’m seeing a lot of "rate-induced' anxiety lately. Let’s break down the two main paths so you can stop guessing and start planning.

🛡️ Fixed Rate: The "Sleep Better at Night" Option
With a fixed rate, your interest rate and monthly payment are locked for the duration of your term (usually 3 to 5 years).

Pros: Total predictability. Even if the Bank of Canada raises rates tomorrow, your payment doesn't budge.
Cons: You typically pay a "premium" (a higher rate) for that stability. If rates drop, you’re stuck at your higher rate unless you pay a penalty to refinance.

Best For: First-time buyers, those on a strict monthly budget, or anyone who hates financial surprises.

🌊 Variable Rate: The "Flexibility" Play
Variable rates fluctuate based on the lender's Prime Rate, which moves in tandem with the Bank of Canada.

Pros: Historically, variable rates have often proven to be cheaper over the long term. They also usually come with much lower "break-contract" penalties.
Cons: Your interest cost—and sometimes your payment—will increase if the Prime Rate goes up.

Best For: Homeowners with "wiggle room" in their cash flow or those planning to sell or move before their term is up.

💡 The Current Reality
Interest rates have risen from their historic lows, but they are still within a manageable range compared to the 20-year average. The "best" rate isn't always the lowest number on the screen—it's the one that fits your 5-year life plan.

Which one is winning the battle for you right now?

Team Fixed 🔒

Team Variable 📈

🤝 Let’s Run the Numbers
Don't let the headlines make your decisions for you. I can model out exactly how a 0.25% or 0.50% shift would impact your specific mortgage.

👇 Comment "RATE" or shoot me a DM, and let’s find the right fit for your home!

03/27/2026

Is your mortgage still "the one"? 🏠💔

Let’s be honest: the mortgage you signed two years ago might not be the one you need today. Markets shift, life happens, and your home equity is likely sitting there waiting to be put to work.

If you haven’t checked your rate or your equity position lately, you could be leaving money on the table or missing out on a chance to simplify your life.

Why people are calling me right now:

Consolidating Debt: Rolling high-interest credit cards or car loans into one lower mortgage payment to breathe easier every month.

Funding Renovations: Using equity to finally build that home office or dream kitchen.

Shortening the Term: Shaving years off their mortgage to hit "zero balance" much faster.

Lowering Monthly Payments: Freeing up cash flow for investments or travel.

The "No-Stress" Review

Refinancing isn't a one-size-fits-all. Sometimes the math makes total sense, and sometimes the best move is to stay exactly where you are. I’m here to give you the honest truth, not a sales pitch.

Stop wondering "what if" and start knowing.

Ready to see the numbers?

Comment "REVIEW" below or send me a DM, and let’s run a quick comparison to see how much you could be saving in 2026.

Address

Calgary, AB

Telephone

+14033998814

Website

https://mortgageconnection.ca/

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