CPMG Mortgages

Call Directions Website Contact the business

CPMG Mortgages Mortgage Broker & Owner in Lethbridge | Helping First-Time Buyers, Rental Property Owners & Homeowners with Low Credit or Home Equity Financing. Call us today

Helping you make confident mortgage decisions and move closer to the home and future you’re working toward At Centum, our professional mortgage associates understand mortgages, and they work to make sure you understand them as well. Our professionals review all mortgage commitments and go over every aspect of it so you can be assured of what kind of mortgage you are getting. Plus we work with each client to make sure they know all the financial tricks that are available to them so he or she can pay off their mortgage years sooner. When dealing with Centum, you are dealing with a friend. And like a friend, our service (in most cases) is free to you because we get paid by the lenders for placing your mortgage with them. We strive to make sure your mortgage needs are suited to your life style. Remember that as Independent Mortgage Brokers; Centum has direct access to over 30 different mortgage lenders. With our strong relationship with these lenders, we can get fast approvals and with low interest rates. We understand after your mortgage has been advanced you may still have questions. That is why Centum believes our job really starts AFTER you get your mortgage. We understand life happens and things may and probably will change. That is why we offer our exclusive mortgage tune-up program. We review everything with you and advise if a refinance to restructure your debts is required. Remember that when it comes to your financial needs, it is important to talk to a professional who is willing to take the time to understand your unique situation. So what are you waiting for? Start by making your most important decision with the mortgage brokerage you can trust: Centum Professional Mortgage Group.

Fixed or variable? The right mortgage depends on what matters most to you.A fixed rate offers predictable payments and p...
10/18/2026

Fixed or variable? The right mortgage depends on what matters most to you.

A fixed rate offers predictable payments and protection from rising interest rates during your term. A variable rate can move with interest rate changes and may offer opportunities for savings, but it also comes with uncertainty.

There’s no one-size-fits-all answer. Your budget, comfort with risk, future plans, and mortgage terms all matter when choosing between the two.

Let’s find the option that makes sense for your financial goals.

Your mortgage payment frequency can make a difference over the life of your loan.While monthly and standard bi-weekly pa...
10/17/2026

Your mortgage payment frequency can make a difference over the life of your loan.

While monthly and standard bi-weekly payments follow different schedules, accelerated payment options help you pay a little extra toward your mortgage each year. Over time, that can shorten your amortization and reduce the total interest you pay.

The right choice depends on your budget, cash flow, and long-term goals. It’s not just about how often you pay, but how your payment strategy works for you.

Want to understand which option makes the most sense for your mortgage?
Let’s talk.

Canadian mortgage rates are caught in a tug-of-war.Some economic factors may put pressure on rates to come down, while g...
10/14/2026

Canadian mortgage rates are caught in a tug-of-war.

Some economic factors may put pressure on rates to come down, while global events and rising bond yields can push fixed mortgage rates higher.

Here’s what to keep in mind:

- Trade tensions can affect Canada’s economic growth
- A weaker economy may put pressure on the Bank of Canada to lower rates
- Oil prices and global bond yields can influence fixed mortgage rates
- Fixed and variable rates don’t always move together
- A rate hold can offer protection while keeping flexibility, depending on the lender’s terms

If you’re buying a home or approaching renewal, focus on understanding your options rather than trying to predict every rate move.

A lower credit score doesn’t automatically mean your dream of homeownership is over.Every mortgage application has its o...
10/13/2026

A lower credit score doesn’t automatically mean your dream of homeownership is over.

Every mortgage application has its own story, and understanding your credit profile is an important first step toward finding the right path forward. With the right guidance and a plan tailored to your situation, you may have more options than you think.

Don’t give up on your goal before exploring what’s possible. Let’s talk about your mortgage options and your next steps.

Buying a home isn’t just about getting approved for a mortgage. Where you keep your savings can also make a difference.F...
10/05/2026

Buying a home isn’t just about getting approved for a mortgage. Where you keep your savings can also make a difference.

From an FHSA and RRSP to a TFSA, HISA, GIC, and even your chequing account, each can play a different role in your home-buying journey.

The key is knowing what each account is designed for and how it fits into your plans before you make an offer.

Save this post as a quick reference, and if you’re planning to buy, let’s make sure your finances are set up with the bigger picture in mind.

09/30/2026

Understanding GDS and TDS can make mortgage qualification a lot less confusing.

• GDS: Looks at your housing costs — mortgage payment, property taxes and heating.
• TDS: Adds your other debts into the calculation.
• 39/44: These ratios are commonly used as qualification benchmarks, depending on the mortgage and borrower profile.
• Property taxes matter: Higher taxes can affect how much you qualify for.
• Small details count: Your overall debt and the property you choose can impact your borrowing room.

Knowing these numbers before you start house hunting can help you set a more realistic budget.

09/28/2026

Planning your down payment? Here are a few options worth knowing:

• RRSP: The Home Buyers’ Plan may let eligible buyers withdraw up to $60,000, subject to repayment rules.
• GST/HST rebate: Eligible first-time buyers purchasing qualifying new homes may be able to recover some or all of the GST/HST, subject to the applicable price limits.
• FHSA: Contribute up to $8,000 per year, with a $40,000 lifetime contribution limit, subject to eligibility.
• Tax benefits: Eligible FHSA contributions can provide a tax deduction.
• Plan ahead: Using the right combination of savings and available programs can make your down payment go further.

Always check the current government rules and your eligibility before making a move.

09/25/2026

Buying your first home? There may be a few advantages worth knowing about 👇

• 30-year amortization may help lower your monthly payment or increase your purchasing power.
• More flexibility — you can potentially increase payments later to pay off your mortgage sooner.
• Variable or adjustable rates may offer a lower qualifying rate in some situations.
• More qualifying room can sometimes help when your debt ratios are tight.
• You may have the option to switch to a fixed rate later, depending on your mortgage terms and lender.

Your mortgage strategy should fit your budget, goals, and comfort with rate changes.

Address

1261 2a Avenue North
Lethbridge, AB
T1H0G1

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 3pm

Telephone

+14037956054

Website

Alerts

Be the first to know and let us send you an email when CPMG Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to CPMG Mortgages:

Shortcuts

Share

Category