Andrew Gillespie - Edmonton Mortgage Broker

04/08/2026

Is it time for your mortgage renewal time... but you find yourself short on time?

I can help you review your options ALL online.

Follow the link below to get started:

https://velocity.newton.ca/sso/public.php?sc=15wei1p2o5moh

03/20/2026

Start With a Pre-Approval,

So when THE HOME appears, you are prepared to win!

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

02/23/2026

Same mortgage.
Same rate.
Same payment.

Two different lenders.

One difference: pre-payment privileges

If you have the room in your budget and want to aggressively paydown your mortgage balance, but locked with a lender that has minimal privileges - or penalizes you for paying off your mortgage too quickly.. it might be time to make a switch.

Here is why !

On a $350,000 mortgage at 3.99%...

Comparable renewal offer from 2 different lenders - one allows 10% payment increases, another 20% increase to regularly scheduled payments.

What does that look like over the course of a 5 year fixed term.

Increasing payments by 20% versus only 10%

= >$12,000+ more principal paid in 5 years
= 10 Years shaved off your amortization
= Thousands saved in interest

Don't get me wrong, a good interest rate is important.

But don't obsess over it.

The value of privileges with lenders that match your goals outweighs a couple decimal points any day.

Smart borrowers look at:
• Pre-payment limits
• Lump sum flexibility
• Penalty structure
• Long-term payoff strategy

Because your mortgage isn’t just about approval.

It’s about how fast you can eliminate that major debit and ultimately live MORTGAGE FREE !

If you’re buying or up for renewal, make sure your mortgage gives you options.

Reach out to see how fast you can payoff your mortgage today.!

02/20/2026

Win the Home Before the Offer Even Goes In!

Shoot me message and let's get you Pre-Approved today.

02/19/2026

There’s a wave of mortgage renewals incoming.

And a lot of homeowners are about to sign whatever their bank sends them — because it’s easy... but if it isn't great let's see what else is out there!

This is where I can help you:

• Renegotiate
• Restructure
• Access equity
• Improve flexibility
• Or avoid locking into the wrong term

If your mortgage renews in the next 6–12 months, now is when planning starts !

Send a message to learn more

02/04/2026

"Working with Andrew was one of the least stressful parts of buying my home. He was extremely thorough, explained everything clearly upfront, walked me through all my questions, and calculated different options so I could make informed decisions. He consistently checked in throughout negotiations and right through to finalizing the mortgage (even coordinating with the lawyer), which truly made me feel cared for and supported.

He also kept me updated on mortgage rates during the buying process and was able to beat one of the rates for me. His communication and follow-ups helped ease my anxiety and made the entire experience feel calm and manageable. I would absolutely recommend him to anyone! thank you so much for all your help and support!."

It was a pleasure working with you and being part of your home-buying journey. Thank you again for your trust and kind words, and congratulations on your new home!

If you ever need anything in the future, I’m always here to help.

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

02/03/2026

Today's mortgage rate update for February 3rd, 2026

Prime = 4.45%

Green means Go !

*Rates subject to change without notice

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

02/02/2026

Paying off your mortgage faster isn’t about sacrifice — it’s about strategy.

Most homeowners don’t realize how much flexibility they already have built into their mortgage.

A few small adjustments today can shave years off your amortization and tens of thousands in interest — without changing your lifestyle.

If you’ve never reviewed your mortgage beyond the rate, it might be worth a second look.

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

01/29/2026

Ready for Spring Market ? Get a Pre-Approved Frist !

A pre-approval backed by a mortgage broker helps build confidence — for you and your Realtor — when you’re heading into a competitive offer with real negotiations

It also means less stress during your condition period, because financing is already checked off your list.

If you want clarity, confidence, and fewer last-minute surprises, let’s get you prepared now.

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

01/26/2026

Building a home is exciting… and a little overwhelming.

From choosing layouts and finishes to managing timelines and budgets, there’s a lot happening at once. The mortgage side shouldn’t be the part that keeps you up at night.

I work closely with builders and buyers to make sure financing aligns with the build — not the other way around. Clear expectations, flexible options, and no last-minute scrambling.

If you’re thinking about building in 2026, planning early makes all the difference.

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com

01/19/2026

Thinking about investing in commercial real estate?

Getting the right financing isn’t just about finding the lowest rate — or stepping over the lowest bar for easiest qualifying.

It’s about matching your business and property to a lender that will bring you the most success today, and for the long run.

Banks, Private lenders, credit unions, and monoline CMHC-backed lenders each serve a purpose.

The smartest investors move strategically between them as a property stabilizes, grows, or matures.

Read the full guide here on:

How lenders assess risk (NOI & DSCR simplified)
The three stages of commercial financing
How to plan for long-term growth and renewal

https://andrewgmortgages.com/blog/f/commercial-mortgages-how-to-plan-for-each-stage-of-investment

01/19/2026

Banks sell products. Brokers build strategies.

Your mortgage isn’t just a rate — it’s a plan.

A broker can help you:

Save on interest, early planning and strategizing
Negotiating and advocacy
Approval Guidance, Problem solving, and education
Specialized products with access to more lenders

Protect your options!!

Stop letting your bank call the shots.

Apply now: andrewgmortgages.com

Andrew Gillespie
Mortgage Broker
P. (780) 719-6673
E. [email protected]
W. http://andrewgmortgages.com