Spire Mortgage Team

Spire Mortgage Team Creative mortgage solutions inSPIREd by your own story.
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05/27/2026

Question #9: What credit score do I need to get a mortgage in Canada?

While many people assume they need a perfect credit score, the reality is that a score of around 600 may be enough to access AAA lending in Canada.

But lenders are not only reviewing the score. They also want to understand how you manage credit.

A helpful guideline is the Rule of Twos:

• Two different types of credit
• Each with a limit of at least $2,000
• Maintained for at least two years

This shows lenders that you have access to credit and can manage it responsibly over time.

A strong credit profile is about more than a high score. It is about consistency, responsible usage, and the depth of your credit history.

05/21/2026

Self-employed and wondering if a mortgage is still possible? Good news: yes, absolutely. 🙌

In Canada, self-employed buyers have more mortgage options than they might think — from major banks to alternative and private lending solutions built for more flexible income situations.

The key? Don’t try to guess which box you fit into. Talk to a mortgage broker, share the full picture of your business and finances, and get options that actually match your life.

Because when you’re self-employed, your mortgage should work around your reality — not the other way around.

05/15/2026

What a night. 🤍

Our Spire Ambassador Event was such a success, and honestly, we’re still feeling so grateful.

This event was about pausing for a moment to celebrate the people who make Spire what it is. The clients who trusted us with big decisions. The friends, family, and partners who referred people our way. The supporters who have stuck with us while we quietly kept our heads down, focused on doing right by people and building something we’re truly proud of.

Spire has always been built through relationships first. Not noise. Not shortcuts. Just trust, hard work, and a lot of good people believing in what we’re doing.

To everyone who showed up, supported us, referred us, cheered us on, or trusted us with one of the biggest financial decisions of your life: thank you. We don’t take it lightly.

And a huge thank you to our incredible sponsors for helping make the night possible:
Our presenting Sponsor:
and in partnership with: , ,
, and

And another huge shoutout to for hosting us. The service and food were amazing, and it was the perfect spot to bring everyone together.

Here’s to what’s been built together, and what’s still to come. 🥂

05/12/2026

Think of a bridge loan like… well, a bridge
You’ve got your new home closing July 1st, but your current one doesn’t sell until August 1st

So how do you cover the gap?
That’s where a bridge loan comes in — helping you access your equity *before* it officially lands.

Smooth move, no stress.

05/04/2026

Question #7 - What documents do I need for a mortgage?
Honestly… not as scary as it sounds.

Think:
📄 Pay stubs + job letter
📄 T4s / tax returns
📄 Down payment history (yep, we check the last 90 days 👀)
📄 ID that hasn’t expired
📄 Info on any other properties

That’s it. No mystery, no chaos.
The real secret? Send it early so you’re not scrambling when your dream home pops up.

04/27/2026

Getting a mortgage approved doesn’t have to feel like waiting for paint to dry.

If your docs are ready, your file is clean, and your broker has everything upfront… approvals can happen in as little as 48–72 business hours

But here’s what slows things down:
Missing paperwork
Property appraisals (especially in tricky locations)
Going back and forth on documents

Moral of the story? The more organized you are, the faster you get the keys

04/22/2026

Question #5: How much mortgage can I be approved for?

A commonly used guideline is:
• Minimal monthly debt (under ~$300)
• Stable, reliable income
- Estimated affordability of **up to 4.5× household income

Example:
A $100,000 household income may support a mortgage of nearly $450,000.

However, this is only a general benchmark.
Your true approval amount depends on:
• Debt ratios
• Credit profile
• Interest rates
• Down payment

For clarity and confidence in your home search:

1. Use our mortgage app to explore scenarios
2. Connect with our team for a precise affordability assessment

Understanding your numbers is the first step to making informed decisions.

04/21/2026

Ever felt like you're chasing your mortgage broker for updates? 😅 Yeah… that’s not how it should be.

Quick truth: you get what you tolerate. If your bank, broker, or any professional isn’t showing up for you, don’t just sit with it. Speak up or move on.

There are SO many of us out here who actually care, who answer the phone, who keep you in the loop, and who want your experience to be smooth from start to finish.

You deserve better service. Period.

04/17/2026

Question #4 : Do mortgage brokers charge fees?
Short answer: sometimes… but usually NO.

If your mortgage fits the “AAA” lane (strong credit, solid income), the lender actually pays us — not you. 🙌
But if things get a little more outside the box, there might be a fee (and you’ll always know upfront).

No surprises. Just clarity.

Address

807 85 Street SW
Calgary, AB
T3H1W7

Website

https://linktr.ee/SpireMortgage

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