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.

09/04/2026

Things I can predict:

Alberta will have all four seasons in one week.
Someone will complain about the Blue Jays
Someone will ask me, “Do you think rates are going down?”

Things I cannot predict:

Exactly where mortgage rates will be six months from now. And honestly? Neither can anyone else with 100% certainty.

That’s why I’d rather help you make a plan based on your finances, your timeline and your comfort level instead of trying to time the market perfectly.

Mortgage strategy > crystal ball. 🔮

08/30/2026

Alberta’s economy feels a little… unpredictable right now.
Oil prices. Trade uncertainty. Inflation. Interest rates. Housing prices.

There’s a LOT of noise out there. But here’s what I want Alberta homeowners and buyers to remember:

You don’t need to predict the economy. You need a mortgage strategy that makes sense for YOU.

Whether you’re:

🏡 Buying your first home
🔑 Moving up
💰 Refinancing
📅 Renewing
🏠 Investing

There may be more options than you think. Instead of spending hours trying to figure out what the Bank of Canada is going to do next… let’s look at what your mortgage options are today.

08/27/2026

Please hold ☎️

08/23/2026

The biggest question I get isn’t:
“What rate can I get?”
It’s:
“Can I actually qualify?”

Most people focus on rates before they know what they qualify for. Step 1 is always the same: understand your budget.

Everything else comes after that.

08/19/2026

Quick Question:
Would you rather have:

A) A dream kitchen 🍷👩‍🍳
B) A huge backyard 🌳☀️
C) A giant garage 🛻🔧

Drop an A, B or C below in the comments!

08/13/2026

Buying a home is exciting…but there are definitely a few things you only learn AFTER you’ve done it.

So I want to hear from you:

What’s the ONE thing you wish someone had told you before buying your home?

The costs? The maintenance?

Drop your best advice in the comments. Let me hear them!

08/04/2026

The best time to buy a home?

When you’re financially ready and it works for your family.

The second-best time?

Right after your friend stops telling you to “wait another year.” 😂

07/29/2026

Thinking about refinancing your home to access equity? If you purchased your home in Alberta within the last 1–3 years with a 5% down payment, it may not be as straightforward as you expect.

When you buy with 5% down, the default insurance premium is added to the mortgage, leaving you with very little equity right from the start. On a refinance, lenders can typically lend up to 80% of your home’s current appraised value.

While many Alberta markets have remained strong, most properties purchased in the last few years haven’t appreciated enough to create significant accessible equity. That means there may not be enough equity available to refinance and pull funds out.

Every situation is different, and there are always exceptions, but it’s important to understand how equity is calculated before making plans based on your home’s value.

If you’re wondering where you stand, let’s take a look at your options.

07/19/2026

Thinking about buying your first home? Here are the minimum documents typically needed for a mortgage pre-approval!

If you’re an employee:
✔️ Last 2 years of T4s
✔️ Letter of employment
✔️ Current pay stub (seasonal workers may have some flexibility)
✔️ Information on your down payment, including whether it’s gifted and who it’s coming from

If you’re self-employed:
✔️ Last 2 years of full T1 Generals
✔️ Business financial statements (if incorporated)
✔️ Notices of Assessment

The pre-approval process is often simpler than people think! Getting your documents together early can help make the home-buying journey much smoother.

Have questions about getting pre-approved? Send me a message!

Address

Lacombe, AB

Telephone

+14037043674

Website

http://www.sarahastles.ca/

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