Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection

Home
Canada
Calgary, AB
Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection

587.436.2348 or 403.389.5202 Helping you find the right mortgage. Ryan Iannone & Shannon Lazorko are mortgage brokers in Calgary.

09/09/2026

Here's a mortgage fact that's easy to overlook:
Two mortgages can have the same interest rate and still cost you differently.

Why?

Because the rate is only one part of the mortgage.
Things like:
• Prepayment privileges
• Penalties for breaking the mortgage
• Portability
• Payment frequency
• Ability to refinance
• Fixed vs. variable structure
• Other lender-specific restrictions
can all affect the overall value and flexibility of your mortgage.

This is why we don't believe in simply chasing the lowest number on a rate sheet.
A mortgage is a financial product, not just a percentage.

The right mortgage depends on what you're trying to accomplish and what you expect your next few years to look like.

Lowest rate? Maybe.
Best fit? That's the real question.

09/07/2026

Your mortgage renewal notice arrives. You sign it. Done. Right?
Not necessarily. 👀

A mortgage renewal is actually an opportunity to stop and ask:
“Is my current mortgage still the right fit for me?”

Your finances may have changed since you first got your mortgage. Maybe your income is different. Maybe you've paid down other debt. Maybe you're thinking about renovations, investing, moving, or simply paying your mortgage off faster.

Your original mortgage might have made perfect sense a few years ago.
That doesn't automatically mean it's the best option for your next term.

Before you simply sign on the dotted line, it can be worth comparing your options and understanding the full cost, flexibility and features of the mortgage you're being offered.

Your renewal is more than a piece of paperwork.
It's another opportunity to make your mortgage work for you. 🏡

09/04/2026

Things you didn’t care about before… but now you do:
• Which way the house faces
• Where the nearest grocery store is
• If there’s a garage (Calgary winters make sure of that 😅)
• Property taxes

Buying a home changes how you look at everything.

09/02/2026

📊 Bank of Canada Announcement — September 2, 2026

Today’s decision matters — but your strategy matters more.

With rates expected to remain relatively stable through the rest of 2026, the focus shifts to how you structure your mortgage, not just what the rate is.
✔ Variable vs fixed
✔ Term strategy
✔ Long-term planning

📲 Let’s break it down for your situation

08/31/2026

Maybe you're not ready to buy today.

That's okay.

Maybe you're thinking about moving next year.
Maybe your mortgage is coming up for renewal.
Maybe you're wondering whether you can afford to upgrade.
Maybe you're simply trying to figure out what your next financial move should be.

You don't have to have every answer before you start the conversation.

Sometimes the most useful first step is simply understanding what your options are.

No pressure. No crystal ball required.

Just a plan.
If your plan happens to include a Calgary home, we're here when you're ready. 🏡

08/28/2026

➡️Here's a mortgage detail that doesn't get nearly enough attention:
Your amortization period can have a pretty big impact on your monthly payment.

A longer amortization can lower the required payment, which may make a home more manageable from a monthly cash-flow perspective.

But there's a trade-off: you'll generally pay considerably more interest over the life of the mortgage.

🏡Here's something that changed the conversation for some buyers:
Eligible first-time buyers and buyers purchasing new builds with less than 20% down can now have access to a 30-year amortization, subject to the applicable mortgage-insurance and lender rules.

So when you're comparing mortgages, don't just ask:
“What's my payment?”

Ask:
“What will this mortgage cost me over time?”

That's where having someone walk through the numbers with you can make a big difference.

08/26/2026

The numbers matter.

The interest rate matters.

The monthly payment matters.

But they're not really the why behind homeownership.

The why is the backyard where your kids play.
The kitchen where everyone somehow ends up at the same time.
The garage full of bikes, tools and questionable amounts of camping gear.
The quiet Sunday mornings.
The Christmas mornings.
The years of ordinary moments that eventually become the memories you remember most.

A mortgage is a financial commitment.

A home is where life happens.

And that's why we believe mortgage advice should look at more than just today's rate. It should consider the life you're trying to build.

08/24/2026

This one trips up a lot of people.

When someone says: “I have a 25-year mortgage.”
They usually mean their amortization is 25 years.

That does NOT necessarily mean they have a 25-year mortgage contract.

Your mortgage term is the length of your current mortgage contract. It might be 1, 2, 3, 4 or 5 years, for example.

Your amortization is the estimated amount of time it would take to pay the mortgage off if you maintained the same payment structure and rate.

At the end of your term, you typically renew or otherwise deal with the remaining balance.

So yes, you can have:
25-year amortization + 5-year term.
You'll likely go through several mortgage terms before that 25-year amortization is complete.

It's a small distinction, but understanding the language can make the mortgage process a whole lot less confusing.

08/21/2026

One of the biggest mistakes you can make when looking at Calgary real estate is assuming the entire city is moving in the same direction.

It isn't.

CREB's latest June data shows a pretty dramatic difference between property types.

Calgary's overall market had just over three months of supply, which is generally considered balanced.

But apartment condos were sitting at nearly five months of supply, putting that segment into buyer's-market territory. Meanwhile, detached homes had much tighter supply.

Translation?

A buyer looking at a $300K condo and a buyer looking at a $750K detached home can be experiencing two completely different markets.

That's why “Is Calgary a buyer's market or a seller's market?” doesn't always have a simple answer.

The better question is:
“What is happening in the specific type of property I'm looking to buy?”

08/19/2026

No Bank of Canada rate announcement this month.
The next scheduled announcement is September 2, 2026.

But that doesn't mean the mortgage conversation goes quiet until then.
Between now and September, the Bank will continue watching the things that influence its decisions, including inflation, economic growth and labour-market conditions.

Here's the important part for borrowers:
The Bank of Canada's overnight rate isn't the only thing that determines the mortgage rate you'll see.

Variable-rate mortgages are more directly connected to the Bank's policy rate, while fixed mortgage pricing is influenced by broader financial-market conditions, including Government of Canada bond yields.

So if you're buying, renewing or refinancing this fall, don't put your entire strategy on one calendar date.

Know your options before the announcement.

Then you'll be in a much better position to make a decision based on your situation rather than the headline of the day.

Address

1121 Centre Street NW
Calgary, AB
T2E7K6

Website

http://www.mortgageconnection.ca/

Alerts

Be the first to know and let us send you an email when Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Ryan Iannone & Shannon Lazorko, Mortgage Brokers, Mortgage Connection:

Featured

Moraine Wealth Advisory
1920, 407 2 Street SW

Want your business to be the top-listed Finance Company in Calgary?