Janey Ali - Mortgage Specialist

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Janey Ali - Mortgage Specialist Residential Mortgage Specialist with over 30 years of experience. Based in Calgary, serving Alberta.

10/02/2026

“A home is more than a place to live; it’s a place to grow, gather, and create what comes next.” 🏡

Home where Sunday mornings unfold slowly, where friends and family gather around the table, where milestones are celebrated, and where so many of life’s little moments become lasting memories.

For some, a home represents the beginning of a new chapter. For others, it may be a place to grow a family, build equity, pursue new opportunities, or simply create a space that feels truly their own.

Whatever your vision for the future looks like, having a thoughtful plan can help turn possibilities into a path forward.

As a Mortgage Specialist, one of the most rewarding parts of what I do is being part of those conversations - listening to what matters to you, answering questions, and helping you understand the options available as you plan for what comes next.

Because ultimately, it’s not just about financing a home. It’s about creating the space and opportunity for the life you envision.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

Dreaming of homeownership? A gifted down payment could be the key. 🔑 At ATB, we know that buying a home is a big step. B...
09/29/2026

Dreaming of homeownership? A gifted down payment could be the key. 🔑

At ATB, we know that buying a home is a big step. But did you know that a gifted down payment could be the boost you need to make it happen?

Using gifted funds for your down payment can help get you one step closer to owning your dream home - without the wait.

Here’s how it works:

✔️ Typically, gifted funds come from close family members, such as parents, grandparents, or siblings.

✔️ We will provide you with a gift letter form which must be signed by the donor and the borrower, stating that the money does not need to be repaid.

Using gifted funds for your down payment allows you to contribute a larger amount upfront, which can help reduce your mortgage insurance premiums. It also increases your purchasing power, as you won’t need to rely solely on your savings to cover the down payment. This reduces your time to homeownership, since you’ll have a quicker path to hitting your down payment target.

Every homebuyer is unique, and I’m here to guide you through the entire process - from securing gifted funds to ensuring everything is in order for your mortgage application. I can help you understand all the ins and outs of using gifted money as part of your home purchase.

➡️ Reach out and let’s explore how gifted funds can help you reach your goal sooner.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

09/25/2026

Have you found a home that checks most of the boxes, but needs a few upgrades to truly make it yours? 🏡

With ATB’s Purchase Plus Improvements Mortgage, you can finance both your home purchase and the renovations in one convenient mortgage. Whether it’s a new kitchen, updated flooring, or finishing the basement - we can help you invest in your future home from day one.

This is a great option for buyers who see the potential in a home but need a little extra help to bring their vision to life.

➡️ If you’re curious how this mortgage works or wondering if this could be the right fit for your home buying journey, I would be glad to walk you through the process.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

Happy First Day of Fall! 🍁As the seasons change, it’s the perfect time to reflect not just on your goals - but on your f...
09/22/2026

Happy First Day of Fall! 🍁

As the seasons change, it’s the perfect time to reflect not just on your goals - but on your finances too.

Fall is an ideal time to:

✔️ Re-evaluate your overall financial strategy
✔️ Consolidate high-interest debts
✔️ Review your investment and borrowing portfolio
✔️ Free up cash flow for future goals

Through personalized mortgage planning, I work with clients to explore smart borrowing opportunities, manage debt more efficiently, and free up cash flow for future investments - all with their unique goals in mind.

Whether you’re a homeowner or preparing to become one, let’s talk about how your mortgage can support your broader financial goals.

➡️ Feel free to reach out to schedule your Fall financial check-in. Let’s make this season one of clarity, strategy, and smart moves.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

09/21/2026

“A peaceful home is the art of making ordinary moments feel extraordinary.” 🏡

There’s a certain comfort in coming home at the end of the day. The familiar surroundings, the people you love, and those simple routines that make a space feel like your own.

As a Mortgage Specialist at ATB, I’m here to help make the journey to homeownership feel just as comfortable and personal as the place you’re working toward.

Because finding the right mortgage isn’t just about numbers - it’s about creating a foundation for the life you want to live.

If a new home is on your horizon, I would be happy to have a conversation and help you explore what’s possible.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

The Bank of Canada held its rate. So why are some mortgage rates still moving? 🏡It’s a great question - and one I’ve bee...
09/18/2026

The Bank of Canada held its rate. So why are some mortgage rates still moving? 🏡

It’s a great question - and one I’ve been hearing from clients lately.

The Bank of Canada has held its policy rate at 2.25%, which means there’s no change to the Bank’s rate with this latest announcement.

But here’s the part that’s important to understand: Not all mortgage rates move for the same reasons.

🔹 Variable mortgage rates are influenced by the Bank of Canada’s policy rate and prime. With prime currently at 4.45%, this latest rate decision means no immediate change for variable mortgages tied to prime.

🔹 Fixed mortgage rates are different. They’re influenced more by the bond market than directly by the Bank of Canada. That means fixed rates can move even when the Bank holds - or changes - its policy rate.

So, what does this mean if you’re a homeowner or planning to buy?

If you’re buying:

Don’t focus on the rate alone. Your down payment, monthly budget, mortgage features and long-term plans all play a role in choosing the right mortgage.

If you have a variable mortgage:

A rate hold means there’s no immediate change resulting from this announcement. It may also be a good opportunity to review how your current payment is being allocated between principal and interest.

➡️ The right mortgage should fit your financial goals, your comfort level and your plans for the future. If you’re wondering what today’s mortgage environment means for you, I’m always happy to have a conversation and walk through your options.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

09/17/2026

Wondering what a financing condition date means? Here’s what you need to know. 🏡

The financing condition date is an important milestone in the home-buying process. It is the date by which the buyer needs to have their mortgage financing confirmed for the property they are purchasing.

This date is typically included in the Offer to Purchase and gives the buyer a specific timeframe to work with their mortgage professional and lender to confirm that financing is in place.

It’s an important date to keep in mind. If financing has not been confirmed by the deadline, it can create uncertainty around the purchase and may impact the transaction.

My advice to buyers is simple: know your financing condition date and make sure you understand what needs to be completed before it arrives.

Having your financing organized early can help make the process smoother and give you confidence as you move forward with your purchase.

➡️ If you have questions about financing conditions or the mortgage approval process, I’m always happy to help.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

Are you looking to buy your next investment property, or thinking about how to leverage your home equity to fund your ne...
09/15/2026

Are you looking to buy your next investment property, or thinking about how to leverage your home equity to fund your next big project or adventure? 🏡

I’m excited to be joining a wonderful group of ATB Mortgage Specialists for an exclusive, in-person masterclass event: “Unlock Your Property’s Value: The Real Estate Advantage!”

Whether you’re actively ready to make a move or just starting to gather information and map out your future, we’re breaking down everything you need to know about accessing your home’s value.

Join us for a casual, informative session, connect with others on the same real estate journey, and bring all your questions - we’ll have the answers!

📅 When & Where: Saturday, September 26 - 11am - 1pm at the ATB Financial Calgary Campus (3699 63 Avenue Northeast Calgary, AB T3J 0G7)

🎟️ Reserve your spot here: https://www.eventbrite.ca/e/unlock-your-propertys-value-the-real-estate-advantage-tickets-2000495004410

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

09/11/2026

“You don’t just move into a home. You grow into it.” 🏡

At ATB, we understand that a home is more than just a roof over your head - it’s where memories are made, families grow, and dreams take root.

Whether you’re buying your first place or your forever home, I’m here to make the financing seamless, so you can confidently step into the next chapter of your journey - and grow into the home that’s truly meant for you.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

If you’re buying your first home, moving into your next one, or considering transferring your mortgage, it may be a good...
09/10/2026

If you’re buying your first home, moving into your next one, or considering transferring your mortgage, it may be a good time to take a look at your options. 🏡

ATB has a limited-time mortgage offer, available until October 31, 2026. Eligible clients can choose between:

💵 Up to $6,000 cash back on a qualifying mortgage

📉 ATB’s lowest rate on a qualifying 5-year fixed Rate First mortgage

🔑 And if you’re transferring from another lender, eligible switch fees are covered

The right choice is about looking at the bigger picture - your plans, your priorities, and what makes sense for your financial goals.

As a Mortgage Specialist, I’m here to make that conversation simple, informative, and tailored to you. If you’re curious about your next steps, I would be happy to talk through the options with you.

Janey Ali
Mortgage Specialist, ATB Financial
[email protected]
403-771-5145

Address

Calgary, AB

Telephone

+14037715145

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