Bryce Kirkpatrick - Mortgage Design Group Inc.

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Calgary, AB
Bryce Kirkpatrick - Mortgage Design Group Inc.

Providing unparalleled choice, convenience and counsel. When you use the RIGHTBroker®, you get the RIGHTMortgage®

05/08/2025

What is Investment Income and How Can It Help You Qualify for a Mortgage?

If you earn rental income from a secondary suite, investment and/or multi-unit property; lenders may consider a percentage of this income toward mortgage qualification.

Depending on the lender, 50% to 100% of verified rental income could be added to your total income to help improve affordability, boost your approval odds, or increase your purchasing power.

To use investment income, you will typically need: ✅ A signed lease agreement ✅ T1 General and T776 (rental income statement) ✅ Proof of deposit or market rent letter for new rentals

Put your investments to good use! Connect with us today to discover how your investment income can improve your mortgage options.

05/05/2025

Happy Cinco de Mayo, everyone!

Today, we celebrate the vibrant culture and heritage of Mexico. Let's honor this special day with delicious food, lively music, and great company. 🌮🎉

02/25/2025

We do more than just help you secure a home loan. We can assist with first-time purchases, renewals, refinancing, and investment property financing—all under one roof.

By working with an agent (broker), you gain access to multiple lenders, benefit from customized advice, and have a partner who negotiates on your behalf for the best possible rates and terms.

It’s about streamlining the process and ensuring you have the right financing strategy to meet your goals, no matter what stage of homeownership you’re in.

02/22/2025

Ever wondered about the magic behind the numbers?

The difference between monthly, bi-weekly and accelerated bi-weekly mortgage payments lies in how payments are calculated and their impact on reducing your mortgage balance over time.

Here's a breakdown:

Monthly Payments What It Is: You make one payment per month, covering the full principal and interest amount for that month. Total Payments Per Year: 12 payments. Impact: This is the most common payment frequency. It matches the original amortization schedule (e.g., 25 or 30 years). No extra payments are made unless you choose to make additional lump-sum payments.

BI-WEEKLY PAYMENTS What It Is: Your monthly mortgage payment is divided in half, and you pay that amount every two weeks. Total Payments Per Year: 26 half-payments, which equals 12 full monthly payments (no extra payments). Impact: Matches the same total payment as monthly payments annually. It does not pay off your mortgage faster

ACCELERATED BI-WEEKLY PAYMENTS What It Is: Your monthly mortgage payment is divided in half, but you pay that amount every two weeks as if there were 13 months in a year instead of 12. Total Payments Per Year: 26 half-payments, but these total the equivalent of 13 full monthly payments annually. Impact: You pay the equivalent of one extra monthly payment per year. This reduces your principal faster, saving you interest and shortening the amortization period. Typically pays off a 25-year mortgage in about 22 years or less.

Which Should You Choose? Accelerated Bi-Weekly is ideal if you want to save on interest and pay off your mortgage faster without a significant impact on your budget. Monthly or Bi-Weekly is better if you prefer consistent payments without adding extra contributions.

Talk to us today to run the numbers!

02/19/2025

Are considering being a co-signer? Let’s weight the benefits and risks!

Adding a co-signer to your mortgage can boost your purchasing power—perfect for first-time homebuyers, the self-employed, or real estate investors aiming to expand. However, co-signing also ties both parties’ credit and financial responsibilities together, so it’s crucial to tread carefully and fully understand the implications. Connecting with a mortgage agent (broker) can help you evaluate every angle, align on a solid plan, and protect everyone’s best interests.

Keep yourself in the know—check in with us for mortgage insights and the latest happenings in Canada’s housing scene.

02/17/2025

Happy Family Day!

Today is all about cherishing the people who matter most—whether you’re spending time at home, exploring your community, or simply reconnecting with loved ones—we wish you a day filled with warmth, laughter, and appreciation for the bonds that make a house truly feel like home.

(OR)

Today, we commemorate the life and legacy of Louis Riel, a champion of Métis rights and a key figure in Manitoba’s history. His vision for a more inclusive society continues to inspire communities across Canada.

Let’s take a moment to reflect on the importance of unity, respect, and the lasting impact one individual can make in shaping our shared future. From our team to yours—happy Louis Riel Day!

02/15/2025

Looking to expand your business or break into new markets? A mortgage agent (broker) does more than just compare rates—we open doors to specialized financing options tailored to your vision. By tapping into an extensive network of lenders and leveraging expert insight, we help you navigate commercial loans with confidence. Your enterprise deserves more than a one-size-fits-all approach—and that’s exactly where we come in.

Get in touch today to connect with one of our Commercial Mortgage experts!

Follow us on social media for more mortgage insights, financing tips, and the latest industry updates!

02/14/2025

Happy Valentine’s Day!

Whether you’re renewing, refinancing, or taking the leap into homeownership for the first time, let our expertise guide you to rates and solutions that truly fit your lifestyle...

Helping you fall in love with your finances one mortgage at a time ;)

02/10/2025

Equity represents how much of your property you truly own. As you pay down your mortgage—or if your property’s value increases—your equity grows. It’s a powerful financial resource that can be leveraged when renewing your mortgage, refinancing for lower rates, or even expanding your real estate portfolio.

By working with a mortgage agent (broker), you’ll gain personalized guidance, competitive lending options, and expert strategies to help you make the most of your home’s equity and achieve your financial goals.

TIP: Stay one step ahead—follow us for consistent mortgage expertise and fresh Canadian housing market intel.

02/06/2025

Your mortgage payment is made of two parts: the interest (the cost of borrowing) and the principal (the original loan amount).

The more funds you direct towards your principal, the faster you can pay off your mortgage, and the less you’ll spend on interest over time. Whether you’re renewing your mortgage, refinancing, or just stepping into the market as a first-time buyer, having the right strategy can accelerate your path to building equity.

That’s where working with a licensed mortgage professional makes all the difference: we help you find competitive rates, tailor payment plans, and provide personalized advice to meet your financial goals.

Ready to maximize your equity and minimize stress? Let’s discuss payment strategies that fit your life/financial needs.

Address

Calgary, AB
T2G0B5

Website

http://mortgagedesigngroup.ca/team/

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