Janey Ali - Mortgage Specialist

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

09/02/2026

“A home is the foundation where love grows strong.” 🏡

A home doesn’t just hold your life. It helps shape it.

It’s the kitchen where stories stretch long after dinner is over. The doorway where little ones take their first steps.

The quiet mornings, the loud celebrations, the ordinary days that somehow become the ones you remember most.

And helping people find that foundation is one of the most rewarding parts of what I do.

Whether you’re dreaming about your first set of keys or ready for a new chapter, I’m here to help you navigate the mortgage journey - so you can focus on what really matters: making a house your home.

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

Looking to buy a second property or help your kids with their first home? 🏡Many homeowners don’t realize they can use th...
08/28/2026

Looking to buy a second property or help your kids with their first home? 🏡

Many homeowners don’t realize they can use the equity in their current home to make that next big move. A Home Equity Line of Credit (HELOC) can be a smart, flexible option to help cover a down payment - without having to sell or refinance your home.

As a Mortgage Specialist at ATB, I work with clients every day to help them understand how a HELOC can:

🔹 Tap into home equity efficiently
🔹 Keep monthly payments manageable
🔹 Create opportunities for property investment or family support

Everyone’s financial situation is unique, and I’m here to help you find the right solution. If you’re curious about using a HELOC for a down payment or just want to explore your options, I’d be happy to connect.

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

08/26/2026

Some of the most important parts of the home-buying process happen before you ever make an offer.

Before you start looking at homes, take the time to have these conversations:

🏡 With yourself and your family: What can you comfortably afford, and how does homeownership fit into your broader financial goals?

💬 With your Mortgage Specialist: What financing options are available, and what should you understand before you begin shopping?

🔑 With your real estate professional: What can your budget realistically provide in the current market?

A little preparation at the beginning can make the home-buying journey feel much more manageable - and help you make clear decisions that make sense for you and your family.

If you have questions about purchasing a home, I’m always here to help.

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

If you’re thinking about buying a home, getting pre-approved is one of the best places to start. It gives you a better u...
08/25/2026

If you’re thinking about buying a home, getting pre-approved is one of the best places to start. It gives you a better understanding of your options and can help you approach the home buying process with confidence. 🏡

Here are three things I recommend keeping in mind:

1️⃣ Come prepared with a clear picture of your finances.

Your income, existing debts, credit history and available savings are all important pieces of the picture. Having this information organized can make the pre-approval process smoother and help identify any questions early on.

2️⃣ Remember that a pre-approval isn’t a final mortgage approval.

A pre-approval gives you an indication of what you may be able to borrow based on the information available at the time. Once you have an accepted offer, the property and final application will still need to meet ATB Financial’s requirements. Understanding this distinction can help you make a more informed decision when you’re ready to put in an offer.

3️⃣ Focus on what you’re comfortable with - not just what you qualify for.

There’s an important difference between the maximum amount you may be able to borrow and the amount that makes sense for your circumstances. Property taxes, insurance, utilities, maintenance, other financial commitments and your longer-term goals should all be part of the conversation.

➡️ If you’re considering buying a home, I’m always happy to sit down and talk through the process. Feel free to reach out anytime.

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

08/21/2026

“Beyond the floor plan and finishes lies something greater - a place to belong.” 🏡

Buying a home is more than just real estate - it’s about finding your space in the world.

As a Mortgage Specialist, I’m here to help you navigate every step of the journey, from pre-approval to move-in day, so you can focus on what truly matters: building a place where memories are made and futures begin.

Let’s talk about how we can turn your homeownership dreams into a reality.

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

Are you considering a mortgage switch? 🏡At ATB Financial, we offer clear advantages that could help you save time, give ...
08/20/2026

Are you considering a mortgage switch? 🏡

At ATB Financial, we offer clear advantages that could help you save time, give you peace of mind, and secure a competitive rate.

Here are the benefits of making the move to ATB:

1️⃣ Rate guarantee for 120 days

We’ll hold your mortgage rate for 120 days, giving you the flexibility to review your options. If rates drop during that period, you’ll receive the lower rate at funding.

2️⃣ Dedicated support every step of the way

I’ll help you take care of all the details - land titles, appraisals, and connecting with your current lender - leaving you free to focus on what matters most.

3️⃣ No stress tests required

If your mortgage is insured, there’s no need for a stress test.

4️⃣ Easy switching with an insured mortgage

Switching to ATB with an insured mortgage is seamless - just a straightforward transfer with your original mortgage default insurance. Plus, you’ll qualify for competitive high ratio mortgage rates.

➡️ If you’re looking for a smooth and efficient mortgage transition, let’s connect. I’m always here to help.

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

08/18/2026

Buying your next home can come with a few different mortgage options - and understanding what’s available can help make your move easier. 🏡

Here are the options we offer at ATB Financial:

1️⃣ A new mortgage

If your home is mortgage-free, or your current mortgage rate is higher than today’s market rates, a new mortgage may be the right fit. Be sure to consider any pre-payment charges before making a decision.

2️⃣ A mortgage port

If you’re an existing ATB mortgage client, you may be able to move your current mortgage to your new home without renegotiating. Your current mortgage must be portable, and the new home’s value must be equal to or greater than your current home.

3️⃣ Interim (or bridge) financing

If you’re moving into your new home before your current home sells, bridge financing may be an option to complete the purchase by giving you temporary access to the equity in your current home.

4️⃣ 30-year amortization

Purchasing a newly constructed home? You may have the option to choose a 30-year amortization.

➡️ Every move is different, and the right option depends on your unique situation. If a move is on your horizon, I would be happy to help you explore your options and plan your next step.

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

Looking to generate extra income from your home? Let’s talk strategy.If you’ve built equity in your property, there are ...
08/14/2026

Looking to generate extra income from your home? Let’s talk strategy.

If you’ve built equity in your property, there are smart ways to make it work for you - especially through income generating upgrades like:

🔹 Adding a legal basement suite
🔹 Building a carriage house or garden suite
🔹 Creating a steady stream of rental income

By refinancing your mortgage for an equity takeout, you can access the funds to invest in your home — and in your financial future.

As a Mortgage Specialist at ATB Financial, I help Albertans:

✔️ Access equity responsibly
✔️ Navigate refinancing options
✔️ Build wealth through real estate strategy

Your home isn’t just where you live - it can be a powerful financial tool. Let’s connect and explore what’s possible.

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

08/12/2026

“The right home doesn’t just fit your life - it reflects your soul.” 🏡

Home is more than a place to live. It’s where your story unfolds, where memories are made, and where you can truly feel like yourself.

As a Mortgage Specialist, I’m here to help you navigate the journey toward a place that feels right for you and your future.

Whether you’re buying your first home, moving into your next chapter, or simply exploring what’s possible, let’s talk about how we can make your homeownership goals a reality.

Because the right home isn’t just where you live - it’s where you belong.

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

If you’re in the market for a new home, or a homeowner considering a switch to a new bank - ATB Financial has introduced...
08/10/2026

If you’re in the market for a new home, or a homeowner considering a switch to a new bank - ATB Financial has introduced a limited-time mortgage promotion available until October 31, 2026.

Whether you’re purchasing your first home, moving into your next one, refinancing, or transferring your mortgage from another lender, you can choose the option that best fits your goals:

💵 Cash Back Option — Up to $6,000

Qualifying 3, 4, and 5-year residential mortgages may be eligible for a cash back incentive based on mortgage amount for owner-occupied properties.

📉 Lowest Rate Option — 5-Year Fixed Mortgage

Looking to prioritize long-term savings? Clients also have the option to access ATB’s lowest available rate, currently 4.09% on a 5-Year Rate First fixed mortgage. Please note that this rate may change depending on when you apply.

🔄 Thinking About Switching Lenders?

Transferring your mortgage to ATB Financial may still qualify you for this promotion, making it a great opportunity to explore your options.

Every homeowner’s situation is different - sometimes extra cash upfront helps most, while other times securing a competitive rate can create savings over the long term.

➡️ If you’d like to explore which option could work best for you, I’m here to help. Feel free to reach out anytime.

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

Address

Calgary, AB

Telephone

+14037715145

Website

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