Cheryl Shaw Mortgages

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Canada
Sherwood Park, AB
Cheryl Shaw Mortgages

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Mortgage Loans - Home Equity Lines of Credit - Credit Counselling - Renewals - Refinances - Budgeting

Cheryl has been helping people achieve homeownership since 2007. Her passion, above anything else, is to assist her clients in achieving their financing goals – so whether that involves introducing you to a unique product you normally wouldn’t have considered or counselling you through some credit issues – you can count on her for honest, exceptional service.

11/02/2026

💬 Let's Talk Money!

November is Financial Literacy Month in Canada, and I think it's a great reminder that talking about money shouldn't be complicated or uncomfortable.

Whether it's managing debt, building savings, planning for the unexpected, or making smarter mortgage decisions, a little knowledge can go a long way.

I've always believed that understanding your options is the first step toward making confident financial decisions. And sometimes, all it takes is a good conversation!

Throughout November, I'll be sharing some practical tips and insights from to help you make the most of your money.

Because at the end of the day, it's not just about your mortgage. It's about your bigger financial picture and the goals that matter most to you. 🏡❤️

Financial information shared is for educational purposes and isn't a substitute for personalized advice from a licensed financial planner or accountant. I believe in working together with trusted professionals to help you make well-informed decisions.

10/31/2026

🎃👻 **Happy Halloween!** 🎃

Whether you're handing out candy, taking the little ones trick-or-treating, or enjoying a spooky night at home, I hope your evening is filled with lots of fun, laughter, and maybe a few too many treats! 🍬🍫

Wishing everyone a safe and Happy Halloween!

And remember… the only thing that should be scary tonight is the costumes, not your mortgage! 😉🏡

10/28/2026

🏡❤️ **Life Changes… And Sometimes Your Mortgage Needs to Change Too.**

Life doesn't always go according to plan. Some changes are exciting, while others can be difficult and overwhelming.

A new baby, a separation or divorce, blending families, a career change, caring for an aging parent, or losing someone you love.

These are all situations that can bring some pretty big financial decisions, often at a time when you already have enough on your plate.

**And that's where having someone you trust to help you navigate your mortgage options can make a real difference.**

Over the years, I've helped clients through all kinds of life changes. Sometimes it's about refinancing, buying out a spouse, moving to a new home, or simply finding a way to make mortgage payments more manageable.

Other times, it's just about having a conversation, understanding your options, and putting a plan in place.

**My goal has always been to help people make informed financial decisions that are right for their circumstances, not just today, but for the future.**

💬 If life has thrown you a curveball, or you're planning for a new chapter, I'm always happy to have a conversation and help you explore what's possible.

And if you know someone going through a life change who could use some guidance, please feel free to share this with them. ❤️

10/28/2026

🏡 **First Bank of Canada interest rate increase in over THREE years!**

The Bank of Canada raised rates by 0.25% today, bringing the prime lending rate from 4.45% to 4.70%.

For homeowners with variable-rate mortgages or lines of credit, this means higher borrowing costs.

But before you rush to lock into a fixed rate, remember that one rate announcement shouldn't determine your mortgage strategy.

**What matters is choosing what's right for your financial situation and long-term goals.**

Not sure what this means for you? Let's chat!

10/26/2026

🏢 **Business Owners — Have You Ever Considered Owning Your Space Instead of Renting?**

If you're paying rent every month for your business location, have you ever stopped to think about what it might look like to own that property instead?

For some business owners, purchasing their commercial space can be a great long-term investment. Rather than paying rent to someone else, you could be building equity in a property of your own.

There are some great potential benefits:

✅ **Build equity** while growing your business.

✅ **More control** over your space and future occupancy costs.

✅ **Additional income opportunities** if there's extra space you can lease out.

✅ **Flexibility** to renovate or customize the property to suit your business.

Of course, commercial financing is different from getting a mortgage on your home. Down payment requirements, financing options, and lender guidelines can vary depending on the property and your business.

**The important thing is understanding the numbers and whether purchasing makes financial sense for you.**

💬 If you're a business owner who's been thinking about buying your own space, let's have a conversation. I'd be happy to help you explore your financing options and see what's possible!

10/22/2026

🏡 **Who says you need a spouse or partner to buy a home?**

Homeownership doesn't have to look the same for everyone!

With the cost of housing today, more people are getting creative and exploring different ways to make homeownership possible.

Here are a few options worth considering:

✅ **Buying with a friend or sibling** – Sharing the costs of homeownership.

✅ **Purchasing with family** – Parents and adult children buying together or creating a multigenerational home.

✅ **Buying on your own** – Exploring properties with rental suites that may help with mortgage qualification.

When purchasing with someone else, lenders may be able to use both incomes to help you qualify for a mortgage. But it's important to understand the responsibilities that come with buying together, including what happens if one person wants to sell or move on.

**The key is having a plan and understanding your options before you start shopping.**

I've helped clients navigate all kinds of unique situations over the years, and sometimes the solution is one they hadn't even considered!

💬 Thinking about buying a home but not sure how to make it work? Let's have a conversation and explore what's possible for you.

10/20/2026

🏡 **Has your bank said NO to a mortgage? That doesn't necessarily mean you don't have options!**

Not everyone fits neatly into a bank's lending guidelines, and that's okay. Sometimes it just means we need to look at things a little differently.

Maybe you're:

✅ Self-employed or earning commission income
✅ Working on rebuilding your credit
✅ Going through a separation or divorce
✅ New to your job or new to Canada
✅ Looking to finance a property that's a little outside the box

**This is where having an experienced mortgage broker on your side can make a difference.**

I work with a variety of lenders, including banks, credit unions and alternative lenders. Each has different guidelines, and sometimes it's simply a matter of finding the right fit for your situation.

And if an alternative lending solution makes sense today, we'll also talk about a plan to get you into a more traditional mortgage down the road.

**My goal isn't just to help you get a mortgage. It's to help you make a good financial decision, both for today and for the future.**

If you've been told no, don't get discouraged. Let's have a conversation and see what options might be available to you.

10/15/2026

🇨🇦 **New to Canada and thinking about buying your first home?** 🏡

You might be surprised to learn that you don't necessarily need years of Canadian credit history to qualify for a mortgage!

There are mortgage programs specifically designed for newcomers to Canada, and depending on the lender, they may consider more than just your Canadian credit score.

✅ Credit history from your home country
✅ A history of paying rent and utilities on time
✅ Your current employment in Canada and previous work experience
✅ Your down payment and where those funds are coming from

Every lender has different guidelines, including how long you've been in Canada and your residency status. That's why working with a mortgage broker who understands these programs can make a real difference.

**My job is to help you understand your options, find the right lender and make the process of buying a home as straightforward as possible.**

If you're new to Canada and homeownership is on your radar, let's have a conversation. You may have more options than you realize!

And if you know someone who's recently moved to Canada, please share this with them. ❤️

09/30/2026

September 30 is the National Day for Truth and Reconciliation.

Today, we honour the children who never came home, the Survivors of residential schools, and the families and communities who continue to live with their lasting impacts.

It’s a day to listen, learn and reflect on the history and experiences of Indigenous Peoples in Canada — and on the role each of us can play in reconciliation.

Every Child Matters. 🧡

09/28/2026

We spend a lot of time making sure you have the right mortgage — but what happens to that mortgage if life doesn’t go according to plan?

The reality is, many homeowners don’t have enough coverage in place to protect themselves or their family if they experience an unexpected illness, injury, job loss or death.

That’s why I believe **some form of protection is important.**

Mortgage payment protection may help cover your mortgage payments in certain circumstances, depending on the coverage you choose, and can provide an important financial safety net when you need it most.

You may already have life or disability insurance through work or privately — and that’s great. But it’s worth taking the time to understand what you actually have, where there may be gaps, and whether additional protection makes sense.

My role is to explain the mortgage protection options available so you can make an informed decision about what’s right for you and your family.

Because getting the mortgage is important. Making sure you can keep it when life changes matters too.

Address

Sherwood Park, AB
T8A6J5

Telephone

+17809669691

Website

https://linktr.ee/cherylshawmortgages, https://www.shawmortgages.ca/

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