Mortgages by Shannon Gervais - Indi Mortgage

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**Licensed Mortgage Associate ** Renewals **1st time Home Buyers **Purchase**Rental Properties**Refinance**Reverse Mortgage**Investment Properties** Mortgage Strategy, not just a Rate**

11/02/2026

November is Financial Literacy Month in Canada, and this year’s national theme is all about one simple idea: talk money.

Follow along with us all month for practical tips on budgeting, saving, managing debt, and making confident decisions about your home and your finances.

The more you know, the better prepared you are for the unexpected, and the closer you get to the goals that matter most to you. 💬🏡

*Please be advised that while we specialize in mortgages, we are not certified financial planners. The (financial) tips we offer throughout the month of November are not intended to replace the guidance of a licensed financial planner or accountant. In fact, we strongly recommend the collaborative approach of assembling a team of professionals when it comes to your financial planning needs. Bringing together experts in various financial domains, such as licensed mortgage professionals (agents/brokers), financial planners, and accountants, ensures a holistic and well-informed financial strategy.

10/31/2026

🎃 Happy Halloween! 👻

From haunted houses to home sweet homes, today is all about spooky fun and a little extra magic in the air.

No tricks here, just trusted mortgage advice and a team committed to helping you feel confident in your financial journey.

Have a safe and spirited Halloween filled with treats and good memories.

10/29/2026

Another 5 🌟 review!
Such a pleasure helping people buy a home- there isn't anything quite like it!

10/28/2026

Nothing is better when everything works out just the way it’s meant to be! 🏡❤️⭐️

10/28/2026

📈 Bank of Canada Rate Increase – October 28, 2026

For the first time since July 2023, the Bank of Canada has increased its key interest rate by 0.25%, bringing the major banks' prime rate to 4.70%, up from 4.45%.

What does this mean for homeowners?

If you have a variable-rate mortgage or a home equity line of credit, you may see an increase in your borrowing costs.

With rates shifting, it's a good time to review your mortgage strategy and ensure it still aligns with your financial goals.

📅 Next Bank of Canada announcement: December 9, 2026.

Have questions about how this impacts your mortgage? I'm always happy to help!

10/28/2026

Life rarely follows the plan, and your mortgage should be able to keep up.

A new baby. A separation. A blended family. A career move across the country. Caring for an aging parent. Losing a loved one. Big life moments often bring big financial questions, usually when you have the least energy to sort through them.

That's where we come in.

✅ We review your current mortgage and what your options really are
✅ We explore solutions like refinancing, spousal buyouts, porting, or restructuring your payments
✅ We help you build a plan that fits the life you're living now

You don't have to figure it out alone. We're here for the milestones, the curveballs, and everything in between.

📲 Going through a change? Let's talk. Know someone who is? Share this with them.

10/27/2026

Shannon is the most knowledgeable and patient mortgage broker out there! She ran different scenarios for us when we were considering to buy a rental property and it really helped us make an informed decision. She just helped us renew our mortgage and the whole process was seamless! I will be recommending her to everyone I know who needs a mortgage!

10/26/2026

Wednesday is a big day.
👇
The last time the Bank of Canada increased its rate was way back in July 2023 and since June of 2024, there have been a total of 9 cuts. We’ve been sitting at 2.25% for nearly one full year.
🧐
Now the markets are expecting a return to rate increases. Mostly if not only, thanks to the US War with Iran and the implications it has had on global energy prices and upward inflationary pressures.
📈
Canada’s headline inflation is 3.1%, way above the optimal 2% and outside the Bank of Canada’s 1% to 3% range....Financial market odds for a rate hike stood at nearly 78 per cent as of Friday afternoon, according to LSEG Data & Analytics.

10/26/2026

Still paying rent on your business space? It might be time to own it.

For many business owners, buying the building they operate from is one of the smartest long-term moves they can make. Instead of paying a landlord, your monthly payment builds equity in an asset you control.

Owner-occupied commercial financing can help you:

✅ Keep your occupancy costs more predictable
✅ Build equity alongside your business
✅ Earn income by leasing out extra space
✅ Renovate and customize on your terms

Clinics, retail shops, trades, restaurants, offices, and light industrial spaces all qualify. Commercial financing works differently from residential, with its own lenders, down payment requirements, and approval criteria. That's why having an experienced agent/broker in your corner matters.

📩 Ready to stop renting and start owning? Let's talk about your commercial goals.

10/21/2026

❌ Myth: You need a spouse or partner to buy a home.
✅ Reality: There's more than one way to become a homeowner.

More Canadians are teaming up with the people they trust to get into the market:

✅ Friends buying together and splitting the costs
✅ Siblings co-owning a home or investment property
✅ Parents and adult children buying a multigenerational home
✅ Solo buyers using a rental suite to help them qualify

When you buy together, lenders can combine everyone's income, which can increase what you qualify for. Just remember: everyone on the mortgage is responsible for the full amount. A written co-ownership agreement that covers who pays what, and what happens if someone wants out, is a must.

📩 Buying with someone, or on your own? Let's map out your options.

Address

Calgary, AB
T2H1Z3

Website

https://www.shannongervais.com/

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