Kubik Mortgage Group

Kubik Mortgage Group Understanding mortgage requirements, paperwork, approvals, and closing details can feel daunting. C.S.

We guide you through each step with clarity and care, so your path forward feels secure and supported. Lewis once said, "We all want progress, but if you're on the wrong road, progress means doing an about-turn and walking back to the right road. In that case, the man who turns back soonest is the most progressive." I have and continue to make it my mission to get to know my clients and their uniq

ue needs at the ONSET, as most of the time, they call me shortly after realizing that they are on the wrong road! Whether its a full audit of your financial plan with recommendations, residential mortgage/refinance, retirement ready mortgages, new construction/renovation financing, commercial and business lending, business planning with cash flow analysis or simply budgeting help, I am excited to provide these services directly OR through my Real Estate, Financial Advisor and Insurance partners! When I'm not helping my clients make progress, you will find me working on my faith, increasing my knowledge base, or exploring beautiful Alberta with my wife, our four kids and our three dogs!

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgag...
09/02/2026

Whether you’re a first-time investor, expanding your existing portfolio, or looking to renew/refinance, having a mortgage agent (broker) on your side means more options, expert guidance, and a smoother path to long-term growth.

Looking for financing options for an investment property - we have solutions from our Commercial Division for large projects to your first residential rental property. Contact us today for all your financing needs!

Your mortgage isn't one size fits all, and it shouldn't be treated that way.A bank can offer you their rates, on their t...
08/27/2026

Your mortgage isn't one size fits all, and it shouldn't be treated that way.

A bank can offer you their rates, on their terms. A licensed mortgage agent/broker can shop the market and build a mortgage around your life: 1, 2, 3, 5, or 7 year terms, structured to match your income, your goals, and your plans down the road.

That difference doesn't just matter today. It compounds. The right term now can mean more flexibility at renewal, less interest paid over time, and a mortgage that actually grows with you instead of one you're stuck renegotiating around.

Working with a broker means having someone in your corner for the life of your mortgage, not just the day you sign.

Let's build a mortgage that's customized to you. Reach out today!

Most people hear "mortgage broker" and think home purchase. But for entrepreneurs, business owners, and investors, our w...
08/26/2026

Most people hear "mortgage broker" and think home purchase. But for entrepreneurs, business owners, and investors, our work often looks a little different.

We help clients navigate financing for:

✅ Retail, office, industrial, and mixed-use property purchases
✅ Refinancing commercial assets to unlock equity or improve cash flow
✅ Real estate-backed business expansion financing
✅ Apartment buildings and multi-unit residential (5+ units)
✅ Construction and development projects

Commercial deals aren't like residential ones. The structures are different, the lenders are different, and the qualifying criteria shift from deal to deal. That's exactly the kind of complexity an experienced broker is built to handle.

No two commercial scenarios look the same — so we don't treat them that way.

📩 Have a commercial deal in mind? Let's talk through what's possible.

Ready to transform your current home into your dream space? 🏡 Refinancing your mortgage can be a smart way to access the...
08/20/2026

Ready to transform your current home into your dream space? 🏡

Refinancing your mortgage can be a smart way to access the funds needed for that major renovation you've been dreaming of!

By tapping into your home's equity, you could consolidate high-interest debt, fund significant improvements, and potentially even increase your property's value.

Let's explore how refinancing can help bring your renovation vision to life!

🏡 The term of your mortgage is the specific length of time (e.g., 6 months, 1 year, 3 years, 5 years, or 10 years) that ...
08/19/2026

🏡 The term of your mortgage is the specific length of time (e.g., 6 months, 1 year, 3 years, 5 years, or 10 years) that your current mortgage agreement, including your interest rate and conditions, is in effect.

It's not the full amortization period, but rather the period until you need to renew or renegotiate your mortgage!

You'll likely need multiple terms to repay your mortgage. If you pay the balance at the end of your term, you don't need to renew your mortgage.

Understanding your term helps you plan for future renewals and potential rate changes. Want to learn more? Let's chat!

The Bank of Canada announces its next interest rate decision on Wednesday, September 2, 2026.Whether you're buying, rene...
08/18/2026

The Bank of Canada announces its next interest rate decision on Wednesday, September 2, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

With the cost of living rising and financial pressures adding up, many homeowners are looking for ways to free up cash f...
08/13/2026

With the cost of living rising and financial pressures adding up, many homeowners are looking for ways to free up cash flow, consolidate debt, or access home equity for other projects.

A mortgage refinance could help you:

✅ Reduce high-interest debt through consolidation
✅ Unlock home equity for renovations or investments
✅ Improve cash flow by adjusting your mortgage terms

If you’re feeling the squeeze, let’s talk about smart solutions that can give you some breathing room. A quick conversation could open up new financial possibilities!

When Traditional Lending Isn’t the Right Fit, Alternative Lending Might Be 🏡💡Not every borrower meets the strict guideli...
08/11/2026

When Traditional Lending Isn’t the Right Fit, Alternative Lending Might Be 🏡💡

Not every borrower meets the strict guidelines of traditional lenders. That's where alternative lending comes in - offering flexible solutions for those who need a different approach to financing.

We are seeing more homeowners and business owners turn to alternative lenders due to:

✅ Higher TDS (Total Debt Service) Ratios. If your debt levels exceed prime lender limits, alternative lending can provide solutions that better match your financial situation.

✅ Self-Employed or Small Business Income. Many business owners claim lower taxable income, making it harder to qualify with banks. Alternative lenders allow for a more flexible income review based on bank statements, business financials, and other supporting documents.

✅ Financing for Unique Situations. Whether you are purchasing, refinancing, or need access to equity, alternative lenders provide options that go beyond the traditional lending box.

If you have been turned down by a bank/prime lender, it doesn't mean your mortgage goals are out of reach. Let’s explore your options and find a solution that works for you!

Your mortgage is more than a transaction. It is a long-term financial decision, and you deserve long-term support.Unlike...
08/10/2026

Your mortgage is more than a transaction. It is a long-term financial decision, and you deserve long-term support.

Unlike a bank specialist who works for one institution, we work with a multitude of lenders, which means we have more options and more opportunity to find the mortgage right for you.

✅ We are with you before approval, helping you plan and position your finances.
✅ We are with you during the process, comparing rates, negotiating terms, and keeping things on track.
✅ And we are still here after the deal closes, answering questions, reviewing renewals, and helping you plan for the future.

Know someone who could use this kind of care and guidance? Tag them below or share this post to help them get started.

Separation is hard enough. Your mortgage shouldn’t make it harder.If you're navigating divorce or separation, it's impor...
08/07/2026

Separation is hard enough. Your mortgage shouldn’t make it harder.

If you're navigating divorce or separation, it's important to understand the options available early on (before finalizing your agreement - divorce/separation). A licensed mortgage agent (broker) can help you explore solutions like the Spousal Buyout Program, which may allow one partner to stay in the home by accessing up to 95% of its value.

This is more than just a financial decision, it’s about creating stability during a major life transition.

Reach out today to learn how we can provide support through the process, and help you move forward with confidence.

Address

223/14th Street NW
Calgary, AB
T2N1Z6

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5am

Telephone

+15872275778

Website

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