Sarah Astles-The Mortgage Group Inc.

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Canada
Lacombe, AB
Sarah Astles-The Mortgage Group Inc.

I am a mobile Mortgage Specialist in Alberta. I love helping and educating others on the home buying

As a mobile mortgage associate I do all the tough work for you and find the mortgage and rate that will work the best for you and your current situation. At The Place To Mortgage we pride ourselves in doing Mortgages differently, we will be there during the approval process and longer, doing yearly checkups for the life of your mortgage to make sure you are where you want to be when it comes to your mortgage needs.

05/19/2026

💡 Mortgage Tip:

Your mortgage approval is based on more than just your income.

Lenders also look at:
✔️ Credit score
✔️ Existing debt
✔️ Down payment
✔️ Property taxes & heating costs
✔️ Employment history

A quick pre-approval can help you understand:
✅ Your budget
✅ Monthly payments
✅ What to improve before buying

Sometimes a few small changes can make a big difference in approval options and rates. Reach out and let’s chat!

05/07/2026

Some seasons test you.
Some teach you.
And some remind you that your mindset is your greatest strength.

I believe in focusing on what you can control — showing up, working hard, staying positive and moving forward one step at a time.

Because the right perspective can change everything. 🏡

05/05/2026

Our team attended TMG Academy in April and came home with the cutest little reminder that…everything is totally fine . 🫠😂🔥

This emotional support dumpster fire now lives front and centre on my desk and I love it.

Huge thank you to Sharp Insurance for this adorable (and wildly relatable) desk buddy.

04/17/2026

“Should I wait for rates to drop before buying?”

The truth is, there’s never a “perfect” time to buy. I’ve seen clients wait for rates to come down, only to watch house prices rise significantly in the meantime. In the end, they may pay less interest, but more for the exact same house.

And sometimes what experts predict will happen with rates… simply doesn’t.

The best time to buy is when you are financially and personally ready — not when you are waiting for the market to be perfect. Because chances are, that perfect combination of low rates and low prices may never come.

04/14/2026

Things no one really tells you as a first-time home buyer:

• You’ll second-guess everything the moment your offer gets accepted.
• Your first home likely won’t be your forever home—and that’s okay.
• You don’t have to feel 100% ready… just financially ready.

It’s a big step, but you figure it out as you go. I can help!

03/30/2026

New home = new expenses 🛋️

Good news: you could qualify for up to 3% cash back on your mortgage to help cover things like furniture or those unexpected costs along the way.

It does come with a higher interest rate but gives you access to additional cash at a time when you may need it most. Reach out and let’s chat!

03/20/2026

FAQ Friday 💬

Can you use a gifted down payment?

Yes—you can have up to 100% of your down payment gifted.

There are a few conditions:
• You still need to qualify for the mortgage
• Not everyone will be eligible
• The gift must come from an immediate family member

But if you do qualify, this can be an amazing way to get into the market sooner.

Have questions about your options? Let’s chat!

03/18/2026

Renting or buying… there’s no one-size-fits-all.

It really comes down to your lifestyle, your goals, and where you’re at right now.

Want flexibility and lower upfront costs? Renting might be your move.

Ready to put down roots and build equity? Buying could be the next step.

Both paths have their perks—it’s just about choosing what fits you best.

If you’re not sure where to start, I’m always here to help you break it down and make a plan 💬

03/10/2026

What it actually costs to buy a $450,000 home in Central Alberta: 🏡

A lot of buyers focus on the purchase price…but there are a few other costs to plan for.

Here’s a quick breakdown:

• 5% down payment: $22,500
• Legal fees: approx. $2,500
• Home inspection: approx. $650
• Adjustments: $300–$3,000
(things like property taxes the sellers may have already prepaid)

Every purchase is a little different, but this gives you a realistic idea of what to expect when budgeting for your first home.

Thinking about buying and not sure where to start? Let’s chat.

03/04/2026

Are you a first time home buyer that doesn’t know the questions to ask? That’s totally normal!

• Do I need 20% down?
• What credit score do I actually need?
• How much do I need saved besides the down payment?
• What if I still have student loans?

You don’t need to know the answers. That’s my job! Reach out and let’s chat. ☕️

Address

Lacombe, AB

Telephone

+14037043674

Website

http://www.sarahastles.ca/

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