Troy Champ Mortgage Advisor

Directions Website

Troy Champ Mortgage Advisor For service that is out of the ordinary, you should call Troy for all your home financing needs.

Time is running out to register!🍷 Great w**e. Big savings. One night only!Our W**e & Spirits Event is coming up soon, an...
10/16/2026

Time is running out to register!

🍷 Great w**e. Big savings. One night only!

Our W**e & Spirits Event is coming up soon, and you won’t want to miss this one.

With up to 60% off w**es, exclusive savings on spirits and a minimum 20% off the ENTIRE STORE, it’s the perfect opportunity to get your holiday entertaining and gift giving sorted early.

Come sample featured w**es, chat with sommeliers, enjoy complimentary charcuterie from The Italian Store and enter to win some great prizes.

📅 Wednesday, October 21 | 6–9 PM
📍 Craft Cellars, 2120–5111 Northland Drive NW

Bring a friend and make a night of it!
Space is limited, so scan the QR code or click the link to RSVP.

https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

📉 Variable Rates Are Getting Attention Again — But How Do They Actually Work?Unlike a fixed mortgage, a variable mortgag...
10/14/2026

📉 Variable Rates Are Getting Attention Again — But How Do They Actually Work?

Unlike a fixed mortgage, a variable mortgage rate can change during your term. It’s generally tied to your lender’s prime rate, which is influenced by changes to the Bank of Canada’s policy rate.
So what happens when rates move?

⬇️ Rates fall: Your borrowing cost decreases. Depending on your mortgage, your payment may decrease or more of your payment may go toward principal.

⬆️ Rates rise: Your borrowing cost increases. Your payment may increase, or with some fixed-payment variable mortgages, more of each payment goes toward interest.

The Bank of Canada often adjusts its policy rate in 0.25 percentage-point (25 basis point) increments, although moves can be larger or smaller.

Variable rates are getting more attention as they currently can be priced below some fixed-rate options, and some borrowers value the flexibility of a rate that can move with the market. But that also means accepting the possibility that rates could rise.
🏡 Fixed or variable? Your budget, risk tolerance and future plans all matter.

Talk to our team and we can help you understand the options.
CALL TROY 403-615-9414
www.mortgagetree.ca

🍷 Calgary, our W**e & Spirits Event is back!This could be our BIGGEST SALE YET!Join Kent, Troy, Colette and the team for...
10/07/2026

🍷 Calgary, our W**e & Spirits Event is back!
This could be our BIGGEST SALE YET!

Join Kent, Troy, Colette and the team for a fun evening of great w**e, great company and some incredible savings.

🍷 Up to 60% off w**es
🥃 Exclusive savings on spirits
🛍️ Minimum 20% off the ENTIRE STORE
🍇 W**e samples and a chance to meet sommeliers
🎁 Prizes to be won
🧀 Complimentary charcuterie pairings catered by The Italian Store
📅 Wednesday, October 21 | 6–9 PM
📍 Craft Cellars, 2120–5111 Northland Drive NW

Stock up for the holidays, discover a new favourite or simply come out and enjoy the evening with us!
Space is limited so scan the QR code or click the link to RSVP.
https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

💰 October is Financial Planning MonthA strong financial plan isn’t just about saving and investing.Your mortgage and oth...
10/05/2026

💰 October is Financial Planning Month

A strong financial plan isn’t just about saving and investing.

Your mortgage and other debts are important pieces of the picture too.

This month is a good opportunity to take a closer look at your overall finances and ask:

• Is your mortgage still structured to meet your goals?
• Could high-interest debt be costing you more than necessary?
• Are you preparing for an upcoming mortgage renewal?
Could your home equity play a role in your longer-term financial plans?

Small adjustments today can make a meaningful difference over time.
🏡 Your mortgage should work with your financial plan, not separately from it.

If it’s been a while since you reviewed your mortgage strategy, October is a great time to start the conversation.

CALL TROY 403-615-9414
www.mortgagetree.ca

🍷 It’s back, Calgary! This is shaping up to be our BIGGEST SALE YET!Our W**e & Spirits Event is returning and it’s the p...
10/01/2026

🍷 It’s back, Calgary!
This is shaping up to be our BIGGEST SALE YET!

Our W**e & Spirits Event is returning and it’s the perfect time to stock up before the holiday season!

Enjoy savings of up to 60% on w**es and exclusive savings on spirits PLUS A MINIMUM 20% OFF the ENTIRE STORE!

Meet sommeliers, enter to win prizes, and sample featured w**es and learn a little about the vineyards behind them.

Plus, enjoy complimentary charcuterie pairings catered by The Italian Store.
📅 Wednesday, October 21 | 6–9 PM
📍 Craft Cellars, 2120–5111 Northland Drive NW

Bring your friends, family or co-workers and make an evening of it!

Space is limited, so scan the QR code or click the link below to RSVP.
https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

House Rich, Cash Poor… What Does That Mean? 🏡💰Your home may be worth significantly more than you owe on it, which means ...
09/28/2026

House Rich, Cash Poor… What Does That Mean? 🏡💰

Your home may be worth significantly more than you owe on it, which means you've built up equity. But that doesn't necessarily mean you have extra cash available for everyday expenses.

That's where the term “house rich, cash poor” comes from: you have substantial wealth tied up in your home, but your monthly cash flow may still feel tight.

It can happen for all kinds of reasons. Maybe you've owned your home for years and watched its value increase. Maybe you're approaching retirement with a small mortgage, or none at all, but most of your wealth is sitting in your property.

The good news? Home equity may give you options.

Depending on your situation and goals, refinancing, a home equity line of credit or a reverse mortgage could provide access to some of that equity. But accessing equity also means borrowing against your home, so it's important to understand the costs and long-term impact.

Your home isn't just where you live, it may also be one of your biggest financial assets.

Curious what options your home equity could give you? Let's talk.
CALL TROY 403-615-9414
www.mortgagetree.ca

What did your first home cost?$150,000? $250,000? $400,000?If you bought your first home in Calgary 10, 20 or 30 years a...
09/25/2026

What did your first home cost?

$150,000? $250,000? $400,000?

If you bought your first home in Calgary 10, 20 or 30 years ago, today’s prices might look very different from what you remember!

Home prices have changed dramatically over the years, but so have mortgage rates, incomes, down payment requirements and the options available to buyers.

Take a look at how Calgary home prices have changed over the past 30 years, then tell us:
What year did you buy your first home and what did you pay? 👇

Looking for mortgage advice. Call one of our experienced advisors today!
CALL TROY 403-615-9414
www.mortgagetree.ca

🏡 How much do I need to buy a $400,000 home?Let’s use a $400,000 home as an example.The minimum down payment is 5%, or $...
09/18/2026

🏡 How much do I need to buy a $400,000 home?

Let’s use a $400,000 home as an example.
The minimum down payment is 5%, or $20,000.
But your down payment is only one piece of the home-buying puzzle.

You’ll also want to consider:
- Your income, Is it enough to comfortably qualify for a $400,000 purchase based on your current debts and monthly obligations?
- Your credit, Your credit history and score can affect which lenders and mortgage options are available to you.
- Closing costs, A good rule of thumb is to have an additional 1.5%–4% of the purchase price available for things like legal fees, property adjustments, inspection, moving expenses and other closing costs.
- Mortgage insurance, With less than 20% down, your mortgage will typically require default insurance, with the premium generally added to your mortgage.

So, while $20,000 is the minimum down payment, a more realistic savings target might be around $26,000–$36,000+ to give yourself room for losing costs and other expenses.

Every situation is different.
The best place to start? A conversation. We can look at your specific situation and figure out what your number really is.

CALL TROY 403-615-9414
www.mortgagetree.ca

09/14/2026

Love the home… but not quite everything about it?

A Purchase Plus Improvements Mortgage could help you finance the purchase and eligible renovations, all as part of your mortgage.

That dated kitchen, tired flooring or unfinished space might not have to be a dealbreaker.
Learn how it works, and let’s talk about whether it could be an option for you!

Call now and let’s discuss how a Purchase Plus Improvement mortgage may be right for you.
CALL TROY 403-615-9414
www.mortgagetree.ca

09/11/2026

🏙️ What makes a condo a good rental investment?

It’s not just about finding a condo you love, it’s about finding one renters will love too.

With Calgary’s condo market currently offering buyers more choice and negotiating room, the right property could make this an interesting time to consider investing.

Look for the things that add rentability:
- a good location
- practical layout
- parking
- reasonable condo fees
- a well-managed building
- easy access to transit and amenities

Most importantly, run the numbers before you buy.
Thinking about an investment property? Let’s look at the mortgage options and see what could make sense.
CALL TROY 403-615-9414
www.mortgagetree.ca

Address

#20/2439 54TH Avenue SW
Calgary, AB
T3E1M4

Website

Alerts

Be the first to know and let us send you an email when Troy Champ Mortgage Advisor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Sponsored

Share

Category