Mortgages by Paul & Suki

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Mortgages by Paul & Suki

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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

10/30/2026

Still waiting on a callback from your bank?

Plenty of Calgary homeowners tell us the same story. They submit the application and documents, then hear nothing for days as a possession date or renewal deadline keeps getting closer.
When you work with us, you get a real person who answers your messages and keeps you updated along the way. We work with dozens of lenders, so if one is slow or says no, we have other options instead of starting over.

If your bank has gone quiet, send us a message, and we will take it from there.

www.pstmortgages.com

10/28/2026

The Bank of Canada raised its overnight rate this morning, from 2.25% to 2.50%. It’s the first increase since 2023, and prime rate at the big banks is moving from 4.45% to 4.70%.

If you have a variable rate mortgage or a home equity line of credit, your rate moves with prime. Depending on your lender, that means a higher payment or more of each payment going to interest. Fixed-rate holders won’t see a change until renewal.

If your renewal lands in the next few months, plan now. Fixed rates were already climbing this fall, and the Bank said another increase is possible. A rate hold can lock in today’s rate while we review your options.

With Calgary heating bills on the way, knowing your numbers helps. Let’s talk before you sign anything.

10/26/2026

Moving day in Calgary feels very different at minus 25.

If you want to be settled before the deep cold arrives, the timeline starts earlier than most people think. Possession dates are often 30 to 60 days after an offer is accepted, and that’s after you’ve found the right home. Getting pre-approved now gives you a clear budget before you start looking, so you’re not rushing a decision once the weather turns.

Let’s work backward from the date you’d like to be in your new place.

403.919.7205

10/23/2026

Most people budget for the mortgage payment and stop there, but owning a home comes with a few other monthly costs worth planning for.

Property tax, home insurance, utilities, and condo fees if you're in a condo all factor into what owning actually costs each month. Maintenance adds up too; even in a newer home, things like furnace filters, eavestrough cleaning, or summer lawn care add up.

None of this should scare you off buying. It just means using real numbers instead of guessing.

Want to see what full ownership costs could look like for you?
Let's run the numbers together.

10/21/2026

Picking paint colours, furniture, and how you'll set up your space is one of the best parts of moving into a new place.

It's even better when the home is yours. No landlord to ask, no lease restrictions on what you can change, just a space you get to make your own from day one.

If you've been holding off on buying because renting feels easier, it might be worth finding out what owning could actually look like for you.

Let's talk about what's possible. Send us a message, and we'll walk through your options.

403.919.7205

10/20/2026

Calgary winters can show up fast, and closing on a home before the snow hits makes moving day a lot easier.

Getting pre-approved now means you're ready to make an offer as soon as the right home comes up, instead of scrambling once the weather turns. Movers, inspections, and paperwork also tend to go more smoothly before the first big snowfall.

If you've been thinking about buying before winter, now's the time to get your financing in place.

Let's get you pre-approved. Reach out, and we'll get started.

10/15/2026

Deciding to move is rarely just about the house. It affects everyone in the home, and that's worth talking through as a family before you start looking.

Talk about what's driving the move, whether it's more space, a shorter commute, or a change in your finances. Loop in your kids if they're old enough to understand what's changing, especially if a new school or neighbourhood is part of the picture. And get a clear sense of your budget together, so everyone's on the same page before you fall in love with a home you can't afford.

Once your family is aligned, getting pre-approved is the next step, and we're happy to walk you through it.

Let's talk about where to start. Send us a message anytime.

10/10/2026

Where to start when you're house hunting. Not Realtor.ca, at least not first.

Getting pre-approved before you fall in love with a home tells you exactly what you can afford and what your payments will actually look like. That number shapes which homes are even worth booking a showing for.

Skip this step, and you risk falling for a place that's outside your range, or losing it to another buyer because your financing wasn't ready.

Let's get your pre-approval sorted first. Reach out, and we'll get you started.

403.919.7205

10/08/2026

Life doesn't always stay in one place, and neither should your mortgage!

Mortgage portability lets you take your current mortgage, rate and all, with you when you move to a new home. Instead of breaking your term and paying a penalty, you can carry your existing terms over to your next purchase.

Portability depends on your lender, your mortgage type, and the specific terms in your agreement, so it's worth checking early.

If a move might be in your future, send us a message, and we'll walk you through what your mortgage allows.

10/06/2026

Mortgage rates aren't pulled out of thin air, and understanding how they're set can help you make sense of what you're being offered.

Fixed rates are tied to bond yields, which move with investor expectations about inflation and the economy. Variable rates follow the Bank of Canada's overnight rate, which is why they tend to shift right after a rate announcement. Lenders then add their own margin on top based on risk, so two lenders can offer different rates for the exact same borrower.

Knowing this helps explain why your neighbour's rate might not match yours, even on a similar mortgage.

Curious what's actually driving the rate you're seeing? Send us a message and we'll break it down for your situation.

Address

7 Westwinds Crescent NE
Calgary, AB
T3J5H2

Telephone

+15874325000

Website

http://www.pstmortgages.ca/

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