Mortgages by Arch

Mortgages by Arch .EASY .CLEAR .PERSONAL
That's your mortgage journey with me ! AP

I believe, your monthly payments should not make you sweat -
let me assist you with a mortgage that keeps you aligned !

Your home is worth protecting — but so is everything inside it. 🏡Mortgage payment protection is designed to keep your pa...
05/21/2026

Your home is worth protecting — but so is everything inside it. 🏡

Mortgage payment protection is designed to keep your payments covered if life takes an unexpected turn — whether that's job loss, illness, injury, or the unthinkable. In today's economic climate, that peace of mind matters more than ever.

Whether you're buying your first home, refinancing, renewing, investing, or building a new life in Canada, the right protection plan ensures your financial goals stay on track no matter what comes your way.

A Mortgage Protection Plan is more than a life insurance policy — it's a safety net for the people and the future you're building.

➡️ Let's talk about the right layer of protection for you and those you love.

Your income tells a story — and it may be more mortgage-worthy than you think.Many applicants are surprised to learn tha...
05/18/2026

Your income tells a story — and it may be more mortgage-worthy than you think.

Many applicants are surprised to learn that non-traditional income sources like the Canada Child Benefit, spousal or child support, maternity or parental leave, and even foster care income may count toward your mortgage eligibility depending on the lender.
Every situation is different, and not all lenders assess income the same way. That's where we come in. As licensed mortgage agents, we take the time to understand your full financial picture and match you with the lender that works best for you.

Let's review your income sources together and find the right fit!

🏠 Rental Income and Using It Help You Qualify for a Mortgage.If you earn rental income from a secondary suite, investmen...
05/14/2026

🏠 Rental Income and Using 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.

Connect with us today to discover how your rental/investment income can improve your mortgage options.

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year ter...
05/12/2026

Your Term is how long your rate and mortgage conditions are locked-in. While many Canadian borrowers choose a 5-year term, shorter and longer options exist depending on your goals and market conditions.

Your Amortization is the total time to pay off your mortgage (with regular payments). Most are set at 25 years, though some buyers, including first-time buyers, and those purchasing new builds, may have access to 30-year amortizations (longer amortizations can lower monthly payments but increase total interest over time).

Choosing the right amortization can impact both affordability today and cost over the life of your mortgage. Pairing that with the right term helps ensure your mortgage stays aligned with your plans as things change.

📞Before you lock in a rate or commit to a lender, talk to a licensed mortgage agent first. Unlike a bank, a mortgage agent works for you — not the lender — ensuring your mortgage is structured around your goals from day one.

📲 Like, follow, or share to stay informed and empowered.

We need to talk 📞➡️ Many mortgage holders assume they need to wait until their mortgage is up for renewal to make change...
05/07/2026

We need to talk 📞

➡️ Many mortgage holders assume they need to wait until their mortgage is up for renewal to make changes. In reality, your mortgage can be reviewed and adjusted during your term, (penalties may apply) depending on your goals and current situation.
➡️ As rates shift and your balance changes, there may be opportunities to improve cash flow, access equity, or restructure your mortgage to better fit your present needs, not just when your renewal date arrives.

📞 If it has been a while since your last mortgage review, connect with us today to see what options may be available to you now.

# independentadvise

Homeownership in Canada looks different than it did a few years ago - and buyers are adapting! Creative strategies are h...
04/30/2026

Homeownership in Canada looks different than it did a few years ago - and buyers are adapting!

Creative strategies are helping more Canadians get into the market: co-purchasing with family, friends, or partners as well as mult-generational living is on the rise.

Buying with others comes with important considerations - ownership structure, shared mortgage responsiblity, credit impact, and an exit strategy for all parties need to be part of the conversation before you sign your mortgage.

The right structure makes all the difference. A licensed mortgage professional such as a mortgage agent/broker can help structure your mortgage so homeownership works for everyone involved, today and in the future!

📞Drop us a message to get started!

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situat...
04/28/2026

For many homeowners, refinancing is an opportunity to adjust their mortgage to better fit their current financial situation.

A refinance can be a great option if you're looking to consolidate higher-interest debt, fund renovations, access equity for investments, or to adjust monthly payments. It can also be a useful strategy if your mortgage is coming up for renewal and you want to access available equity without the threat of payout penalties.

Like any mortgage decision, the right approach depends on your full financial picture, including your home’s value, current mortgage terms, and long-term plans. Working with a licensed mortgage agent (broker) helps ensure you understand the full range of options available before making a decision.

💡 Connect with us today to explore whether a refinance could support you in your financial goals.

We're here for your commercial financing needs. Whether you're acquiring new property, refinancing existing assets, expa...
04/20/2026

We're here for your commercial financing needs. Whether you're acquiring new property, refinancing existing assets, expanding your business, or exploring investment opportunities - our experienced commercial team is ready to support you every step of the way. We understand each scenario is unique, and we tailor our approach to meet your needs.

🏢 Ready to unlock your business’s potential? Let’s connect and turn your vision into reality.

Life changes, and so do our financial needs. Maybe your household income has increased and you’re looking to pay off you...
04/16/2026

Life changes, and so do our financial needs. Maybe your household income has increased and you’re looking to pay off your mortgage faster. Alternatively, a job loss, illness, or new family member might prompt the need for a more manageable payment schedule.

Whatever the changes, we’re here to help! We work to understand your situation, and assist you in navigating your options - mid-term or at renewal.

Unlike the banks, we have access to numerous lending options which means you have the added value of choice, as well as an increased chance of getting approved.

➡️ Contact us today to get started!

A Capital Gain occurs when a property sells for more than what was originally paid. In Canada, your primary residence is...
04/13/2026

A Capital Gain occurs when a property sells for more than what was originally paid. In Canada, your primary residence is exempt from Capital Gains Tax, but if you're selling an investment property, vacation home, or rental unit, a portion of this profit is taxable.

💡The taxable amount is 50% of the gain, which is added to your income for the year of sale.

Understanding capital gains is important when buying and selling real estate, especially for investors and those considering refinancing or leveraging equity for future purchases.

Be sure to hit the button for the best mortgage industry education and insights.

Some mortgages allow you to transfer your existing rate and terms to a new property - no penalty. It's called portabilit...
04/10/2026

Some mortgages allow you to transfer your existing rate and terms to a new property - no penalty. It's called portability, and it can save you significantly if your rate is favourable or market conditions have shifted.

Not all mortgages offer it and the details vary by lender. That's why looking beyond the headline rate matters - features like portability, flexibility, and penalty structures can make a big difference when your plan(s) change.

We help you see the full picture, not just the rate. Connect with us today for your free mortgage review!

Address

300 Manning Road NE
Calgary, AB
T2E8K4

Opening Hours

Monday 9am - 3pm
Tuesday 9am - 3pm
Wednesday 9am - 3pm
Thursday 9am - 3pm
Friday 9am - 3pm

Telephone

+15877009333

Website

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