Mortgages by Paul & Suki

Mortgages by Paul & Suki We are a full-service mortgage brokerage assisting clients in Calgary and all over Alberta. With acc You can trust us to find solutions to complex situations.

We’re here to support you in achieving your financial targets, no matter how big or small. We want to create long-term relationships. You can count on us to provide ongoing support, advice and preparation for your next move or investment

Having student loans doesn't automatically rule you out of homeownership, but many people assume it does.Lenders look at...
09/05/2026

Having student loans doesn't automatically rule you out of homeownership, but many people assume it does.

Lenders look at your total debt load against your income, not just whether a loan exists. Student loans get treated like any other monthly obligation, so depending on your payment amount, there's often more room to qualify than people expect.

Your income, your credit history, your down payment, and yes, your student loan payments all factor in together.

If you've been holding off on buying because of student debt, it might be worth finding out where you actually stand. Send us a message and let's take a look together.

The Bank of Canada left its policy rate at 2.25 percent this morning, marking six holds in a row.Here is what that actua...
09/02/2026

The Bank of Canada left its policy rate at 2.25 percent this morning, marking six holds in a row.

Here is what that actually means for you. When the policy rate stays put, the prime rate stays put too, and it is currently 4.45 percent. If you have a variable-rate mortgage or a home equity line of credit, your rate is not changing because of today's news.

The Bank pointed to a stronger economy this quarter and a slightly better jobs picture, but also flagged that oil prices and trade uncertainty could push inflation higher. That is why they are staying cautious instead of cutting.

Many Calgary homeowners hear a rate hold and assume there is nothing to do. That is usually not true. If your renewal is coming up in the next 12 months, this is a good window to review your numbers while things are steady. Same if you are carrying balances on a few different payments and wondering if there is a simpler way to handle them.

The next announcement is October 28th.

If you want to know what today's decision means for your specific mortgage, send me a message, and we can go through it before your renewal date sneaks up on you.

Banks can only offer what's on their own shelf. As brokers, we work with dozens of lenders, which means we're comparing ...
08/26/2026

Banks can only offer what's on their own shelf. As brokers, we work with dozens of lenders, which means we're comparing your options instead of defaulting to one.

That difference shows up in real ways. Rate, but also flexibility around prepayments, portability if you move, and how a lender treats self employed income or a shorter credit history.

A lot of Calgary homeowners come to us after their bank gave them one number and called it their best option. Often it wasn't.

Before you sign anything with your bank, let's take a look together. www.pstmortgages.com

Calgary and Airdrie get compared a lot, and the right answer really depends on what you're solving for.In Calgary, you'r...
08/24/2026

Calgary and Airdrie get compared a lot, and the right answer really depends on what you're solving for.

In Calgary, you're paying for proximity. Shorter commutes, more established neighbourhoods, and a wider range of home styles, but that usually comes with a higher purchase price.
Airdrie tends to offer more house for your budget and newer builds, with a tradeoff of commute time into the city for work or errands.

Neither one is the better choice on its own. It comes down to your budget, your lifestyle, and what your monthly payment actually looks like in each scenario.

Many homeowners don't realize how much that comparison can shift once financing is factored in. Let's review your options and figure out what makes sense for you.

www.pstmortgages.com
403.919.7205

Most homeowners have no idea their mortgage came with built-in features that can knock years off their payments! Lenders...
08/19/2026

Most homeowners have no idea their mortgage came with built-in features that can knock years off their payments! Lenders aren't exactly rushing to remind you either.

Switching from monthly to accelerated bi-weekly payments is the easiest place to start. You won't really feel the difference in your bank account, but you'll make one extra payment a year. Over a 25-year mortgage, that adds up fast.

Most lenders also let you bump up your payment by 10 to 20 percent each year, or drop a lump sum on your anniversary date. Even putting your tax refund toward your mortgage once a year can make a difference.

Every lender has different rules on what you can and can't do. We can pull up your mortgage and tell you exactly what's available to you.

Drop us a message, and we'll take a look.

www.pstmortgages.com

We know mortgages can feel confusing, especially if this is your first purchase, your first renewal, or you're navigatin...
08/17/2026

We know mortgages can feel confusing, especially if this is your first purchase, your first renewal, or you're navigating the process as someone new to Canada. So we start simple. We ask about your life first, your goals, your timeline, what's changed recently, and what you're hoping this next step looks like. No paperwork, no pressure, just a real conversation.

From there, we take the time to explain what your options actually look like based on your situation, not a generic script. We'll walk you through the documents you'll need, give you a clear sense of timelines, and answer every question you have, even the ones that feel small or obvious. Many homeowners tell us they wish they'd called sooner, simply because they didn't realize how much clarity a short conversation could bring.

You're never locked into anything by reaching out, and you're never made to feel rushed. This is about making sure you feel informed and supported before you make any decisions about your mortgage.

If you've been putting off that first call, this is your sign. Reach out to get started at 403.919.7205, send us a message anytime, or visit www.pstmortgages.com to learn more.

Quick question. How long have you been at your current job?It might not be something you think about when it comes to yo...
08/05/2026

Quick question. How long have you been at your current job?

It might not be something you think about when it comes to your mortgage, but lenders pay close attention to your employment history. They want to see stability, and what that looks like can vary quite a bit depending on your situation.

For a standard salaried position, two years with the same employer or in the same field goes a long way. If you recently changed jobs, even for a higher salary, some lenders treat that as a risk factor, especially if you are still in a probationary period.

Refinancing has its own set of considerations. If your income has changed since you first got your mortgage, a gap in employment shows up clearly on your application. That does not mean refinancing is off the table, it just means the approach needs to be right.

Knowing how your employment situation reads to a lender before you apply saves a lot of stress and back and forth. That is exactly what we walk through together before anything gets submitted.

Send us a message and let's review where you stand.

403.919.7205

Something to think about. When did you last actually look at your mortgage and ask whether it still makes sense for your...
07/31/2026

Something to think about. When did you last actually look at your mortgage and ask whether it still makes sense for your life right now?

A lot of Calgary homeowners are sitting in mortgages that made sense three or four years ago. The rate was fine at the time, the payment was manageable, and life moved on. But circumstances change, and your mortgage should keep up.

Here are some situations worth paying attention to.

Your renewal is coming up and you haven't compared what else is available. Your interest rate is noticeably higher than what lenders are currently offering. You are carrying high interest debt on top of your mortgage and your monthly cash flow is feeling tight. Your income has grown and you want to pay your home off faster. You have equity built up and a financial goal, a renovation, an investment, a major expense, that it could help you reach.

None of these are emergencies. But each one is a signal worth taking seriously before your next term locks in.

Refinancing is not always the right move. Sometimes it is. The only way to know is to actually look at the numbers.

Before you sign anything, let's take a look together. www.pstmortgages.com

📱 403.919.7205

New to Canada and thinking about buying? Your credit history back home doesn't come with you. As far as Canadian lenders...
07/17/2026

New to Canada and thinking about buying? Your credit history back home doesn't come with you. As far as Canadian lenders are concerned, you're starting fresh.

That doesn't mean you can't get a mortgage. It just means the path looks a little different than it would for someone born and raised here.

Most traditional lenders want to see at least 12 months to 2 years of Canadian credit history, ideally with a couple of active accounts in good standing. A credit card, a car loan, a cell phone bill in your name. Anything that shows you can borrow and pay back on time in this country.

If you're not there yet, there are still options. Some lenders specialize in newcomers and look at things like your employment, your down payment size, and your rental history instead.

Newer to Canada and wondering where you actually stand? Send us a message and we'll help you figure out the right next step.

www.pstmortgages.com

Today the Bank of Canada held its key interest rate at 2.25 percent. This is the sixth announcement in a row without a c...
07/15/2026

Today the Bank of Canada held its key interest rate at 2.25 percent. This is the sixth announcement in a row without a change, so if you were expecting something different, you are not alone.

With the hold, most major lenders' prime rate stays at 4.45 percent. That brings a bit of steadiness for Calgary homeowners, but it does not mean every mortgage rate stays exactly where it is. Lenders still adjust based on funding costs and market conditions, so your options can shift even when the Bank's rate does not.

If you are approaching a renewal or considering your options, this is a good time to check in rather than wait and see. Many homeowners don't realize how much their situation can change even during a period of stability.

Let's take a look together and make sure your mortgage still fits your life today.

Send me a message today!

Address

7 Westwinds Crescent NE
Calgary, AB
T3J5H2

Telephone

+15874325000

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