Cheryl Shaw Mortgages

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Canada
Sherwood Park, AB
Cheryl Shaw Mortgages

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.

09/09/2026

Have a side hustle? That extra income may help you qualify for a mortgage — but how lenders look at it can vary.

Whether it’s contract work, a small business or income you earn on the side, lenders generally want to understand how long you’ve been earning it, whether it’s sustainable and how it can be documented.

And this is where working with a mortgage broker can really help. Not every lender looks at additional income the same way, and sometimes knowing **where to take the application** can make all the difference.

If you’re thinking about buying or refinancing and wondering whether your side income can help you qualify, reach out. I’m happy to take a look at your situation and walk you through your options.

09/07/2026

Happy Labour Day! 🇨🇦

Today is a good reminder to recognize the hard work that goes into building our businesses, supporting our families and contributing to our communities.

I’m fortunate to work with so many hardworking people — clients, business owners, colleagues and referral partners — and I never take those relationships for granted.

However you’re spending the long weekend, I hope you get a chance to slow down, enjoy it and spend some time with the people who matter most.

Happy Labour Day!

09/02/2026

Thinking about buying an investment property — or adding another one to your portfolio?

The financing side isn’t always as straightforward as it looks, and the right mortgage structure can make a difference not only on this purchase, but on your ability to qualify for the next one.

Whether you’re buying your first rental, growing your portfolio, or looking at refinancing an existing property, I can help you understand your options and figure out what makes the most sense for your plans.

And if you’re considering a larger or more complex project, we also have access to our Commercial Division for additional financing solutions.

If an investment property is on your radar, reach out. I’m always happy to have a conversation and help you figure out where to start.

08/27/2026

Your mortgage isn't one size fits all, and it shouldn't be treated that way.

A bank can offer you their rates, on their terms. A licensed mortgage agent/broker can shop the market and build a mortgage around your life: 1, 2, 3, 5, or 7 year terms, structured to match your income, your goals, and your plans down the road.

That difference doesn't just matter today. It compounds. The right term now can mean more flexibility at renewal, less interest paid over time, and a mortgage that actually grows with you instead of one you're stuck renegotiating around.

Working with a broker means having someone in your corner for the life of your mortgage, not just the day you sign.

Let's build a mortgage that's customized to you. Reach out today!

08/25/2026

Most people hear "mortgage broker" and think home purchase. But for entrepreneurs, business owners, and investors, our work often looks a little different.

We help clients navigate financing for:

✅ Retail, office, industrial, and mixed-use property purchases
✅ Refinancing commercial assets to unlock equity or improve cash flow
✅ Real estate-backed business expansion financing
✅ Apartment buildings and multi-unit residential (5+ units)
✅ Construction and development projects

Commercial deals aren't like residential ones. The structures are different, the lenders are different, and the qualifying criteria shift from deal to deal. That's exactly the kind of complexity an experienced broker is built to handle.

No two commercial scenarios look the same — so we don't treat them that way.

📩 Have a commercial deal in mind? Let's talk through what's possible.

08/20/2026

Ready to transform your current home into your dream space? 🏡

Refinancing your mortgage can be a smart way to access the funds needed for that major renovation you've been dreaming of!

By tapping into your home's equity, you could consolidate high-interest debt, fund significant improvements, and potentially even increase your property's value.

Let's explore how refinancing can help bring your renovation vision to life!

08/19/2026

🏡 The term of your mortgage is the specific length of time (e.g., 6 months, 1 year, 3 years, 5 years, or 10 years) that your current mortgage agreement, including your interest rate and conditions, is in effect.

It's not the full amortization period, but rather the period until you need to renew or renegotiate your mortgage!

You'll likely need multiple terms to repay your mortgage. If you pay the balance at the end of your term, you don't need to renew your mortgage.

Understanding your term helps you plan for future renewals and potential rate changes. Want to learn more? Let's chat!

08/18/2026

The Bank of Canada announces its next interest rate decision on Wednesday, September 2, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

08/13/2026

With the cost of living rising and financial pressures adding up, many homeowners are looking for ways to free up cash flow, consolidate debt, or access home equity for other projects.

A mortgage refinance could help you:

✅ Reduce high-interest debt through consolidation
✅ Unlock home equity for renovations or investments
✅ Improve cash flow by adjusting your mortgage terms

If you’re feeling the squeeze, let’s talk about smart solutions that can give you some breathing room. A quick conversation could open up new financial possibilities!

08/11/2026

When Traditional Lending Isn’t the Right Fit, Alternative Lending Might Be 🏡💡

Not every borrower meets the strict guidelines of traditional lenders. That's where alternative lending comes in - offering flexible solutions for those who need a different approach to financing.

We are seeing more homeowners and business owners turn to alternative lenders due to:

✅ Higher TDS (Total Debt Service) Ratios. If your debt levels exceed prime lender limits, alternative lending can provide solutions that better match your financial situation.

✅ Self-Employed or Small Business Income. Many business owners claim lower taxable income, making it harder to qualify with banks. Alternative lenders allow for a more flexible income review based on bank statements, business financials, and other supporting documents.

✅ Financing for Unique Situations. Whether you are purchasing, refinancing, or need access to equity, alternative lenders provide options that go beyond the traditional lending box.

If you have been turned down by a bank/prime lender, it doesn't mean your mortgage goals are out of reach. Let’s explore your options and find a solution that works for you!

Address

Sherwood Park, AB
T8A6J5

Telephone

+17809669691

Website

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

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