Harold Hagen, Mortgage Broker

Harold Hagen, Mortgage Broker Mortgage Broker with Verico MyMortgage.ca Inc.

A Mortgage Broker with Verico MyMortgage.ca Inc., I commit to my clients through developing beneficial relationships, solid communication and integrity!

03/12/2026

Energy prices could potentially shake up mortgage rates soon! ⛽📈

Canada’s 5-year bond yield — the key driver of fixed mortgage rates — jumped about 35 basis points before easing slightly. That’s a big move in a very short time.

What caused it?
Rising oil prices tied to escalating tensions in Iran. As energy prices climb, inflation risks increase because fuel impacts transportation, food, and nearly every part of the economy.

When inflation fears rise, bond yields usually follow… and in Canada, fixed mortgage rates follow bond yields.

What this could mean:
• Higher fixed mortgage rates
• Potential delays in interest rate cuts
• In a worst-case scenario, the Bank of Canada could even revisit rate hikes.

Global conflict → higher oil → higher inflation risk → higher bond yields → higher mortgage rates.

If you’re wondering how this could affect your mortgage or plans to buy, let’s talk.

OilPrices CalgaryRealEstate HomeFinancing MortgageTips

01/30/2026

Drop a 💡 if you’ve ever thought landlords have to use rent money only for expenses!

Most landlords believe rent must go straight to covering property costs. But here’s the truth: when rent hits your account, it’s yours. You can do what you want with it—invest, pay down debt, or fund your lifestyle.

Even better—using a home equity line of credit (HELOC) to cover rental expenses can turn your personal mortgage into a business debt, thus creating annual tax refunds you can use to further accelerate your mortgage pay down!

It’s like turning your home into a financial machine, not just a place to live. Why keep your money locked in outdated rules?

Worth thinking about.

Would you try using your home equity for your rental business? Comment your thoughts!

01/12/2026

Well, interest rates drop in 2026? 🧐 Stay informed to make your mortgage work for you!

12/04/2025

Rental Cash Damming 101

Here’s a truth bomb 💣 waiting for the “perfect” mortgage rate might feel smart… but it could actually cost you more.Yes...
11/26/2025

Here’s a truth bomb 💣 waiting for the “perfect” mortgage rate might feel smart… but it could actually cost you more.

Yes, rates might go down slightly. But while you wait:
🏠 Prices can rise
📅 You may miss the perfect home
📉 Your financial progress is delayed

Trying to time the market is a gamble. Making a well-aligned, confident decision? That’s strategy.

🔎 If you’re waiting for a magic number, let’s chat about what’s really at stake.

🌐 www.haroldhagen.ca
📩 [email protected]
📲 403-800-5531

A simple shift in mindset can transform your financial future. Prioritize saving, then spend with intention. This applie...
11/24/2025

A simple shift in mindset can transform your financial future. Prioritize saving, then spend with intention. This applies to everything from daily budgeting to your mortgage strategy.

Self-employed and dreaming of homeownership in the next year or two? The key is preparation, especially before tax seas...
11/19/2025

Self-employed and dreaming of homeownership in the next year or two? The key is preparation, especially before tax season.

Lenders look at your income differently when you’re self-employed, which means:

📂 You’ll need to show consistency.
📉 Too many write-offs could work against you.
🗓️ Planning early gives you time to adjust strategy for stronger mortgage eligibility.

If buying in 2026 is on your radar, now’s the time to talk.

📅 Book a consult to get your ducks in a row!

📩 [email protected]
📲 403-800-5531

Your mortgage should be a tool, not a trap. The right mortgage strategy can help you build equity, protect your cash flo...
11/17/2025

Your mortgage should be a tool, not a trap. The right mortgage strategy can help you build equity, protect your cash flow, and align with your long-term goals. Ready to make your mortgage work for you? Let’s chat.

Is your mortgage up for renewal soon? Don’t just auto-renew with your current lender, this is your chance to optimize.He...
11/12/2025

Is your mortgage up for renewal soon? Don’t just auto-renew with your current lender, this is your chance to optimize.

Here are 5 key questions to ask before you lock in:

✅ Has your financial situation changed?
✅ Planning to move, refinance, or borrow soon?
✅ Want to lower payments or pay off faster?
✅ Did your lender offer the best rate/terms?
✅ Are you missing out on features like a HELOC or prepayment options?

A little preparation can save you thousands and help you align your mortgage with your life.

🔍 Curious how your current deal stacks up? Let’s review your renewal strategy.

📩 [email protected]
📲 403-800-5531

Remembrance is more than a moment of silence, it’s a promise to honour the past and protect the peace they fought for.
11/11/2025

Remembrance is more than a moment of silence, it’s a promise to honour the past and protect the peace they fought for.

Address

3739 Brooklyn Crescent NW
Calgary, AB
T2L1G9

Opening Hours

Monday 8am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 5pm

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