West Block Mortgages

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Canada
Calgary, AB
West Block Mortgages

Tim Westman is a mortgage agent at Invis and has access to over 50 lenders nationwide.

08/30/2024

You don't have to worry about getting rate quotes when you work with a me! With access to major Banks, credit unions, national, regional, and private lenders, I shop the market for you.

If you are looking at low online rates, do your research, and get in touch to discuss. Rock-bottom online rates often come with restrictions and high penalties that could work against you in the long run. Necessary mortgage privileges don't fit in a rate ad but are critical when determining your situation's best mortgage.

08/28/2024

Accessing the equity in your home and using it to increase your financial well-being can be a solid financial strategy. Below are three examples of how your equity can help improve your wealth.

📌 Renovations 🛠️ – the right renovations not only make your living space more enjoyable but also increase the value of your property.

📌 Investing 🏦 – whether investing in a second property or the stock market, using the equity in your home to make money is a great way to increase wealth.

📌 Education 🎓 –Whether it is career advancements or post-secondary education, pursuing further studies is an investment that can benefit you financially in the long run.

08/26/2024

We know that borrowing money is harder for self-employed Canadians which is one of the reasons why working with a Mortgage Broker like myself, is so important.

I have access to lenders who specialize in self-employed mortgages and understand the challenges that business owners face.

If you are self-employed and looking to buy, renew or refinance, reach out to start the process.

08/23/2024

Looking to add value to your home without breaking the budget? Below are 5 easy renovations you can take on that will increase the value of your home.

1️⃣ Replacing or refreshing your front door, even adding a smart lock

2️⃣ Replacing old caulking and changing the towel racks, storage and hardware can help modernize your bathroom

3️⃣ For your kitchen, replace kitchen lighting and re-face kitchen cabinets

4️⃣ Upgrading door hardware

5️⃣ Replacing your garage doors

08/21/2024

Below are 5 things to consider when applying for a mortgage:

1️⃣ Check your credit score
2️⃣ Save a large down payment
3️⃣ Keep your income stable
4️⃣ Pay down existing debt
5️⃣ Know what you can afford and what you can’t

Of course, a great rate always helps too! Reach out to start the process.

08/19/2024

A rate hold is when you secure your interest rate for a period of time while you shop for a house. The next Bank of Canada interest rate announcement, is September 4th. If rates drop, you can still secure the lowest rate available for you when you are ready to buy.

08/16/2024

If you’re a homeowner, now could be the perfect time to consider refinancing. Refinancing your mortgage can help you shorten your mortgage term, access equity in your home or consolidate high-interest debt. 💳💰

With access to multiple lenders, I work with you to find the best refinancing solution to meet your unique needs. Don’t wait to take control of your financial future. Reach out to explore how refinancing can help you achieve your goals.

08/14/2024

With a Cash Back Mortgage you receive a percentage of your total mortgage amount as cash. You can use this money for closing costs, moving expenses, renovations or to pay down existing debt.

Although the rates for Cash Back Mortgages are higher it can still be beneficial to your financial situation.

Reach out to see if a Cash Back Mortgage is right for you.

08/12/2024

Understanding the difference between being pre-qualified and pre-approved for a mortgage is crucial for homebuyers. 🏡

✅ Pre-qualification is a preliminary assessment based on information provided by the borrower, such as income and debts. It offers an estimate of how much you could potentially borrow.

✅ Pre-approval, however, involves a thorough verification process where the lender examines your credit report, verifies your income, and assesses your financial background. It provides a more accurate picture of your borrowing capacity and demonstrates to sellers that you are a serious and qualified buyer.

Knowing the difference helps homebuyers set realistic expectations, streamline their home search, and strengthen their negotiating position when making an offer on a property. It also ensures that they are financially prepared for the mortgage process ahead. 📑📋

08/09/2024

Energy-efficient Upgrades 💡: Invest in energy-efficient appliances, smart thermostats, and LED lighting to lower your utility bills and reduce energy consumption. It’s a win-win for your wallet and the environment.

DIY and Home Maintenance 🛠️: Take on simple home maintenance tasks yourself, such as changing air filters, caulking windows, and landscaping. By doing it yourself, you can save on hiring professionals and keep your home in top shape.

Bundle your services 🏠: Consider bundling your home insurance, internet, and other services to take advantage of discounts and promotional offers. This can help you cut down on monthly expenses and keep more money in your pocket.

Implement these money-saving strategies to make your homeownership journey even more financially rewarding.

08/07/2024

🔔 Is your mortgage up for renewal? With the latest rate drop and the indication rates could go down even more, seeking the advice of a mortgage broker is crucial in today's market. 📈

Reach out and let's secure your financial future together. 🏠💼

08/02/2024

While many people decide to co-own a home for cultural reasons or to help take care of elderly parents or young children, more Canadians are now turning to co-ownership as a means to combat housing in-affordability.

By dividing the cost of a home between more people, Canadians can get their foot on the property ladder more easily and expand their home search to more desirable locations or larger properties that may not have been accessible with their budget alone.

A co-ownership strategy allows you to get into a home today, build equity, cash out, and then buy your home with the equity you’ve built over the first four or five years.

Address

B5-1921 Pembina Highway
Calgary, AB

Telephone

+14038889038

Website

http://westblockmortgages.com/

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