Spire Mortgage Team

Spire Mortgage Team Creative mortgage solutions inSPIREd by your own story.
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09/02/2026

Fixed-rate mortgages are going up. Period.

If you took a fixed-rate mortgage in 2023 or 2024, now is the time to take a look at it.

There may still be opportunities to break, restructure, reposition or take advantage of meaningful interest savings.

But those opportunities are starting to slip away.

Call our team and let us do the math.

Current rate.
Penalty.
New options.
Actual savings.

No guessing. No pressure. Just a clear look at whether there is money sitting on the table before the window gets smaller.

403-804-5465
[email protected]

Last year, I was completely surprised and incredibly honoured to be named one of CMP’s Top 50 Women of Influence.To be i...
08/06/2026

Last year, I was completely surprised and incredibly honoured to be named one of CMP’s Top 50 Women of Influence.

To be included again in 2026 honestly leaves me a little speechless.

While I’m deeply grateful for the recognition, what means the most to me is what it represents.

I’ve always believed that financial literacy changes lives. Whether it’s helping Canadians navigate one of the biggest financial decisions they’ll ever make or helping mortgage professionals build stronger businesses and better serve their clients, that’s the work that fills my cup.

This year, I’ve had the privilege of meeting brokers from every corner of Canada. Men and women who are investing in themselves, sharpening their skills, asking better questions, and constantly looking for ways to better serve the families who trust them.

That gives me so much hope.

Because when we raise the bar as an industry, Canadians benefit. They receive better advice, make more confident financial decisions, and build stronger financial futures.

To everyone who has trusted me, challenged me, learned alongside me, or supported me over the year, thank you.

Congratulations to all of the incredible women recognized this year. It is an honour to stand beside you.

Here’s to continuing to learn, to teach, and to make a difference—one conversation, one family, and one mortgage at a time. ❤️

Thank you to CMP, to everyone who nominated me, and to the brokers who let me be part of their year.

08/04/2026

🚨 Building a new home?

If there is any chance your current home may not sell before possession, please call us at least 3️⃣ months before you get the keys 🔑.

Not three weeks before.
Not when the builder is already calling.
Three months before.

There may be creative financing solutions available to help you avoid:

💸 Builder interest that can be as high as 18%
🏠 The potential loss of your deposit
📉 A rushed or deeply discounted sale
😰 A tremendous amount of financial and emotional stress

Our team can help you understand the numbers early and put backup plans in place in case your property does not sell on schedule.

We are navigating far too many of these situations right now because people are reaching out after the pressure has already started. Bankers are just not the solution for these deals.

Please do not wait until you are in crisis mode.

The earlier we are involved, the more options we may have.

📞 403-804-5465.

Let’s make a plan & a backup plan … and another back up plan so that you and your family are well protected.

07/02/2026

Question #16: Can I switch lenders at renewal?

Renewal isn't just paperwork, it's your chance to shop around.

Lenders compete hard for mortgage business, and moving your mortgage can often be easier (and less expensive) than people think.

Before you sign that renewal offer, make sure you know what other options are on the table.

06/30/2026

Question #15: What happens if my mortgage is declined?

A decline isn't always the end of the road.

One lender might say no, while another sees the file completely differently. That's why having options matters.

The goal isn't just getting approved—it's finding the right path to approval in the first place.

06/25/2026

Question #14: Can my mortgage broker get a better rate than I could get at the bank?

Potentially—but rate is only part of the equation.

Mortgage brokers have access to multiple lenders, which can create more options and competitive pricing. More importantly, a good broker continues to monitor opportunities throughout your mortgage term.

The real value isn't always the rate you start with—it's having someone in your corner looking for ways to save you money over time.

06/23/2026

Should you lock in your rate or keep waiting?

Everyone wants the perfect timing, but the reality is there's no universal right answer.

If rate changes are going to stress you out, locking in can provide peace of mind. If you're comfortable riding out some ups and downs, a variable rate may still be worth considering.

The best mortgage isn't the one with the lowest rate—it's the one that lets you sleep at night. 😴

06/18/2026

Question #12: What should I budget for closing costs?

Down payment? Check. Closing costs? Don’t forget those. 👀

In Alberta, closing costs are often lower than buyers expect, but they’re still an important part of your budget.

A good rule of thumb: have $5,000–$7,500 set aside so you're ready when possession day arrives.

The last thing you want is a surprise bill when you're getting the keys. 🔑

06/16/2026

Question #11: What is the minimum down payment required in Canada?

Current minimum down payment requirements are:

✔️ 5% of the first $500,000 of the purchase price
✔️ 10% of the portion between $500,000 and $1.5 million
✔️ 20% down payment for homes purchased above $1.5 million

For example:
• $500,000 purchase price = $25,000 minimum down payment
• $1.5 million purchase price = $125,000 minimum down payment
• $1.6 million purchase price = $320,000 minimum down payment

Understanding these thresholds is essential when budgeting for a home purchase and determining what price range makes the most sense for your financial goals.

06/11/2026

Debt ratios might sound boring… but they’re a big deal when buying a home.

Your GDS and TDS help lenders figure out how much mortgage you could qualify for, AKA how much home may fit your budget.

Mortgage math made simple.

Address

807 85 Street SW
Calgary, AB
T3H1W7

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