Rahul Soni Mortgages

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Rahul Soni Mortgages License: M24003313
DLC ~ Brokers For Life
Mortgage agent Level 1

09/06/2026

This week, I’m doing a Mortgage Review Sprint for clients in Alberta and Ontario.

This is for you if you’re buying soon, renewing, refinancing, carrying high-interest debt, self-employed, dealing with credit concerns, or simply unsure what the bank will say.

The goal is simple: understand your options before you make a move.

Message me “REVIEW” and I’ll send you the right document checklist and next steps.

Rahul Soni Mortgages
Mortgage Associate
Serving Alberta & Ontario

Fixed and variable mortgage rates are moving differently right now.The lowest rate is not always the best mortgage — the...
20/05/2026

Fixed and variable mortgage rates are moving differently right now.
The lowest rate is not always the best mortgage — the right option depends on your payment comfort, renewal plans, penalty risk, and long-term goals.
If you’re buying, renewing, or refinancing, don’t guess your next move.
📲 DM “RATE” and I’ll help you compare your current options.
Rates shown are starting points and subject to change. OAC.

09/05/2026

The house price is not the full cost of buying a home.

A lot of buyers focus only on the monthly payment, but there are other costs that can surprise you later:

Down payment
Closing costs
Legal fees
Title insurance
Appraisal
Home inspection
Property tax
Home insurance
Utilities
Repairs after possession
Moving costs
Adjustments

Before you start house hunting, know your real cash-to-close number.

Your mortgage approval matters, but your full cost matters too.

DM me COST and I’ll send you a simple buyer cost checklist.

08/05/2026

Thinking about buying a $500,000 home in Edmonton or Calgary?

The price is only one part of the story.

What really matters is:
✔️ your down payment
✔️ your income
✔️ your debts
✔️ the stress-test rate
✔️ whether the lender and insurer approve the file

In this example, a first-time buyer with 5% down may need around $108K–$114K household income, depending on the mortgage option.

But your real number could be different.

Comment 500K or DM me 500K and I’ll send you a personalized affordability breakdown.

Rahul Soni Mortgages
Mortgage Associate
Licensed in Alberta & Ontario
📞 780-839-3330

Example only. Subject to credit, income, property, lender and insurer approval. Rates and payments may change.

05/05/2026

First-time buyers are hearing “$50,000 rebate” everywhere… but not every buyer gets it.

The biggest mistake is assuming it applies to every home.

Property type matters.
Price matters.
Eligibility matters.

A regular resale home may not qualify the same way an eligible new or substantially renovated home can.

So before you budget with money you may not actually receive, check the rules first.

Comment REBATE and I’ll send you a simple checklist.

01/05/2026

Mortgage rates didn’t change? Not exactly.

The Bank of Canada can hold rates, but that does not mean every mortgage rate stays the same.

Variable rates usually follow prime.
Fixed rates are more connected to bond yields.

So when someone says “rates didn’t change,” the real question is:

Which rate are we talking about?

Comment FIXED and I’ll make a simple breakdown.

01/05/2026

The Bank of Canada held rates at 2.25%, but that doesn’t mean mortgage rates are automatically staying still.

The bigger message is that the Bank is still watching inflation, oil prices, global uncertainty, and the economy closely.

Even with Ottawa buying Canada Mortgage Bonds, rates are not guaranteed to drop.

If you’re buying soon or your mortgage is renewing later this year, don’t wait until the last minute.

A rate hold can give you protection while you watch what happens next.

DM me LOCK and I’ll help you review your options.

Buying, renewing, or refinancing in Alberta?Your mortgage should fit your goals, not just the rate.I help homebuyers and...
29/04/2026

Buying, renewing, or refinancing in Alberta?
Your mortgage should fit your goals, not just the rate.
I help homebuyers and homeowners understand their options clearly before they make a move.
📍Serving Edmonton & Alberta
📲 DM REVIEW for a free mortgage review.

26/04/2026

Your mortgage renewal is not just paperwork.

That one signature can affect your monthly payment, your family budget, and your peace of mind for the next few years.

Before you sign your bank’s renewal offer, take a pause and ask yourself:

Is this really the best option for my family right now?

Compare your options before you commit.

DM me RENEWAL if your mortgage is coming up for renewal.





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