TMG The Mortgage Group/Doina Biolan

09/03/2026

This 👇👇👇👇👇👇👇

Sellers with stale listings, please read this article, as it will make you understand why your property isn’t selling .

The Bank of Canada is holding its key interest rate at 2.25 per cent for the fourth consecutive time, while cautioning of higher short-term inflation.

09/02/2026

https://www.canadianmortgagetrends.com/2026/09/nearly-60-of-new-cmhc-insured-mortgage-volume-has-longer-amortizations/?_cldee=quzFns3DFbLSR3dmHDW9iMToIK4gOo7Q_pl86lT0QYxwH0xUc0s4FNtXpFf_tq2M&recipientid=contact-a19fd2954593e911b80200155d23e106-fe9efc2e8cc244bda66571bfbedce92d&esid=d900e139-2ba6-f111-aaad-7ced8da684b4

Mortgages amortized over more than 25 years accounted for 58.6% of new insured homeowner volume in Q2, down slightly from Q1 but well above year-ago levels.

09/02/2026

CURRENT CALGARY HOMES SALES STATS show that August 2026 home sales are 16% LOWER THAN August 2025.

If you want to sell ( not sell fast … just SELL ), you must be very aggressive in the way you list your home . You cannot list based on feelings, emotional attachments or based on last year’s prices. PRICES WENT DOWN GREATLY ( this trend actually started in June 2024).

Listing it too high will only help your neighbours sell and your listing will become a STALE listing. That is not a good position to be in, as buyers always worry “ what is wrong with this home 🏠?! “.

Consistent with trends throughout most of 2026, both sales activity and the number of new listings coming onto the market have continued to trend down compared with 2025 levels. In August, sales in Calgary were 1,660 units, down 16 per cent compared with last year, while new listings fell by nearly....

09/01/2026

Current CREB stats .

08/26/2026

When you have nowhere to turn, think “refinance” , as this is the cheapest way to get out of trouble.

And winning the lottery 😉😉

September has a way of arriving all at once. Tuition, supplies, activities, and a calendar that fills overnight.

Looking at your mortgage and your household budget together, before all of that lands, takes some of the pressure off later. It doesn't need to be a big exercise. Often it's a single conversation.

If seasonal costs end up on credit cards every fall, that's a pattern worth reviewing rather than repeating. It's an extremely common one, and there's usually something that can be done, whether that's consolidating, adjusting your payment structure, or simply planning the timing differently.

And if you have a renewal coming in the next year, the fall budget and the renewal are really one conversation rather than two.

Book a short review with us before the month is out. Twenty minutes now is a great deal easier than a scramble in October.

Doina Biolan B.Comm
Mortgage broker for 21 yrs

I am also a realtor, financial advisor and commissioner for oaths .

https://m.facebook.com/TmgTheMortgageGroupDoinaBiolan/?__xts__%5B0%5D=68.ardwqrwkhyjio...

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08/26/2026

September has a way of arriving all at once. Tuition, supplies, activities, and a calendar that fills overnight.

Looking at your mortgage and your household budget together, before all of that lands, takes some of the pressure off later. It doesn't need to be a big exercise. Often it's a single conversation.

If seasonal costs end up on credit cards every fall, that's a pattern worth reviewing rather than repeating. It's an extremely common one, and there's usually something that can be done, whether that's consolidating, adjusting your payment structure, or simply planning the timing differently.

And if you have a renewal coming in the next year, the fall budget and the renewal are really one conversation rather than two.

Book a short review with us before the month is out. Twenty minutes now is a great deal easier than a scramble in October.

Doina Biolan B.Comm
Mortgage broker for 21 yrs

I am also a realtor, financial advisor and commissioner for oaths .

https://m.facebook.com/TmgTheMortgageGroupDoinaBiolan/?__xts__%5B0%5D=68.ardwqrwkhyjio...

https://www.Facebook.com/DoinaBiolanUrbanRealEstate

https://m.facebook.com/azurefinancialsolutions/jf

08/25/2026

Getting a refinance approval in between getting ⏰⏰ready for doctors appointments & having the actual appointments. Good news are good news. 🙏🙏

08/23/2026

Moving before your term is up?

You may be able to take your mortgage with you instead of breaking it and paying a penalty. It's called porting, and it's one of the more useful features people forget they have.

Every lender handles it differently, particularly the window between selling and buying. At some it's as short as 30 days, at others as long as 120. If your closing dates don't line up inside that window, the option can disappear entirely.

If you need more money for the new place, the additional amount is usually blended in at current terms rather than the ones you're holding now.

And porting isn't automatic. You still have to qualify again, and the new property has to be acceptable to the lender, which isn't a given with rural properties or unusual builds.

Thinking of moving? Contact us before you list. We'll confirm your porting terms in writing so you know what you're working with well before an offer is on the table.

Doina Biolan B.Comm
Mortgage broker for 21 yrs

Business located in McKenzie Towne.

I am also a realtor, financial advisor and commissioner for oaths .

https://m.facebook.com/TmgTheMortgageGroupDoinaBiolan/?__xts__%5B0%5D=68.ardwqrwkhyjio...

https://www.Facebook.com/DoinaBiolanUrbanRealEstate

https://m.facebook.com/azurefinancialsolutions/jf

08/22/2026

Saturday so what ? 😎

Just finished packaging a new refinance for me repeat - and SUPER AWESOME- clients🥰🥰🥰. Good luck to my clients ! 🤞🤞

08/21/2026

REFINANCE TIPS

If you have high interest debts, a refinance may be the solution to get these paid out affordably. .

However, to be approved , there are some conditions to be met :

- good credit score for both applicants. Do not wait until you can’t pay your debts, as this will affect your credit . Topping up your trade lines will also cause your beacon score to drop drastically.
- your credit score will influence the interest rate you are offered, depending on the lender.
- refinance rates are always HIGHER than purchase or mortgage switches rates .
- the amount of refinance you will be able to obtain from your lender is based on your property APPRAISED VALUED . If the appraised value is low, you risk not covering all your debts or even a decline. This is important to know. Apply for a refinance when the real estate market is high and avoid waiting until the home values drop.
- the appraisal cost is the client expense.
- you will also incur a legal cost ( some lenders will mandate using a lawyer , and some will be ok for FCT - First Canadian Title - to be used for closing . FCT fees are lower than a lawyer fees . Always.
- the bank doing your refinance needs one month to approve and close the deal without any unnecessary delays. Be aware of this timeframe, especially if you are starting the refinance before your existing mortgage maturity date.
- in many cases is better to initiate the refinance process in the middle of your existing mortgage term. You may be paying penalties to your existing lender, but you will be saving tens of thousands in credit card interest ( we all know most credit cards have over 20% interest ).

Are you struggling with your high interest debts ?

Send me a text message to (403) 613-2205 to connect and see if the math makes sense for you .

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