Mortgages by ChristineM

Mortgages by ChristineM Helping with home purchases, FTHB, refinancing for renovations & debt consolidation, mortgage renewals, reverse mortgages, vacation & rental properties.

Let's discuss your options! The best part, my service is free!!

If you want to pay off your mortgage faster in Canada, changing your payment frequency is one of the easiest strategies ...
08/31/2026

If you want to pay off your mortgage faster in Canada, changing your payment frequency is one of the easiest strategies to start with.

Switching to accelerated bi-weekly mortgage payments automatically adds one extra monthly payment toward your principal balance every year.

Over a standard amortization period, this simple shift can shave years off your payoff timeline and save you thousands in interest.

If you want guidance on setting up this payment structure, I can help.

📞 403-968-2784
📧 [email protected]
🌐 www.mortgagesbychristinem.ca

If your mortgage renewal is coming up in Canada, you might be seeing variable rates and fixed rates move in different di...
08/26/2026

If your mortgage renewal is coming up in Canada, you might be seeing variable rates and fixed rates move in different directions.

Fixed options react to bond yields, while variable options follow central bank decisions.

Watching both trends gives you a clearer picture when planning your next step.

Send a message if you would like to review your options together.

📞 403-968-2784
📧 [email protected]
🌐 www.mortgagesbychristinem



Saving a twenty percent down payment can feel like a moving target for first time home buyers in Canada.Default insured ...
08/10/2026

Saving a twenty percent down payment can feel like a moving target for first time home buyers in Canada.

Default insured mortgages allow eligible buyers to enter the housing market sooner with a smaller initial down payment.

By insuring the loan through providers like CMHC, lenders can offer competitive terms even with five percent down.

This strategy keeps your capital working for you while you build equity in your own home.

If you want to explore your down payment options, I can show you what is possible.

📞 403-968-2784
📧 [email protected]
🌐 www.mortgagesbychristinem


Perfect pairings for future homeowners 🥂🍓📄🏠Certain things in life simply belong together because they make the entire ex...
07/13/2026

Perfect pairings for future homeowners 🥂🍓📄🏠

Certain things in life simply belong together because they make the entire experience much better.

When you start looking at properties, having a pre-approval in hand is essential. It establishes your exact purchasing power before you visit open houses, saving you time and preventing unexpected budget surprises.

Taking this step early ensures you look at properties within your actual financial comfort zone.

If you are ready to start this process, I am here to guide you.
Call or DM

📞 403-968-2784
[email protected]
🌐 www.mortgagesbychristinem.ca


Lenders require specific documents to verify your income, assets, and identity. Having these ready in advance can signif...
05/18/2026

Lenders require specific documents to verify your income, assets, and identity. Having these ready in advance can significantly speed up your application process.

Organization is the key to a stress-free mortgage experience.

To get started, you will generally need your most recent pay stubs, your last two years of T4s, and a current bank statement showing your down payment funds.

If you are self-employed, you will likely need your full tax returns and Notices of Assessment from the CRA.

If you want a full checklist for your situation, I can help.

📞 403-968-2784
📧 [email protected]
🌐 mortgagesbychristinem.ca


Choosing between renting and buying is one of the biggest financial decisions you will make.While a mortgage payment can...
05/15/2026

Choosing between renting and buying is one of the biggest financial decisions you will make.

While a mortgage payment can often seem higher than rent, it is crucial to look at how much of that payment is going directly toward building your personal net worth.

Buying also offers long-term stability and protection against rising rental costs, though it does require a significant upfront investment and maintenance costs.

If you want to run the numbers for your specific situation, I can help.

📞 403-968-2784
📧 [email protected]

🌐 www.mortgagesbychristinem


As rental costs continue to rise across Canada, many are looking closer at the numbers.This graphic shows the significan...
05/14/2026

As rental costs continue to rise across Canada, many are looking closer at the numbers.

This graphic shows the significant variation in average rent for one- and two-bedroom units from coast to coast.

In provinces like British Columbia and Ontario, these monthly payments can match or even exceed the cost of a mortgage in other parts of the country.

When your rent is comparable to a mortgage, it is worth exploring if you are ready to transition your monthly payment from a landlord's investment to your own home equity.

If you want to look at the numbers for your situation, I can help.

📞 403-968-2784
📧 [email protected]
🌐 www.mortgagesbychristinem.ca





source: rentals.ca

Your tax refund could be the boost your savings account needs.Putting that extra cash toward your future home shows lend...
04/23/2026

Your tax refund could be the boost your savings account needs.

Putting that extra cash toward your future home shows lenders a strong history of saving.

It is a simple way to get closer to your homeownership goals without changing your monthly budget.

Feel free to reach out to discuss your down payment options.

📞 403-968-2784
📧 [email protected]
🌐 www.mortgagesbychristinem.ca


Thinking about buying a second property?Many Canadians carry two mortgages for rentals or vacation homes. What matters m...
04/10/2026

Thinking about buying a second property?

Many Canadians carry two mortgages for rentals or vacation homes.

What matters most is how lenders view your income, debt, and long-term plan.

Done right, this can support both lifestyle and investment goals.

If you want to explore your options, I can walk you through it.

📞 403-968-2784
📧 [email protected]
🌐 [mortgagesbychristinem.ca

Changing jobs during a mortgage approval is not always a problem, but it can slow things down.The type of job, income st...
04/08/2026

Changing jobs during a mortgage approval is not always a problem, but it can slow things down.

The type of job, income structure, and probation period all matter.

If you want clarity before making a move, I can help you plan it properly.

📞 [403-968-2784
📧 [email protected]
🌐 mortgagesbychristinem.ca

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Sherwood Park, AB

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Wednesday 9am - 7pm
Thursday 9am - 6pm
Friday 9am - 3pm
Saturday 11am - 2pm

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