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Leslie Palmer MortgageLine

Mortgage Associate with MortgageLine Inc. Education-first mortgage guidance for purchases, renewals & refinances in Alberta.

28/08/2026

Thinking about moving?

Before focusing entirely on the next house, there's something worth checking:

Your current mortgage.

If you're still within your mortgage term, selling the property may mean dealing with that existing mortgage before arranging the next one.

Depending on your mortgage terms and circumstances, there may be options.

For example, some mortgages are portable, which may allow you to transfer the mortgage to a new property, subject to the mortgage terms and qualification.

There can also be costs associated with ending a mortgage before the term is complete.

This doesn't mean you shouldn't move.

It means understanding the mortgage you already have should be part of the planning.

Before you list, it's worth finding out what you're working with.

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26/08/2026

Your annual earnings show $92,000.

So that's the income used to qualify for a mortgage... right?

Not necessarily.

This comes up frequently for people working in trades, but it can apply to many occupations.

Your earnings might include:

• base wages
• overtime
• shift premiums
• bonuses
• variable hours
• other additional income

Depending on the type of income, your history and the lender's guidelines, some income may require additional documentation or a demonstrated history before it can be used for qualification.

That's why two people who both earned $92,000 last year don't necessarily have identical qualifying income.

If a significant part of your pay comes from overtime or other variable income, understanding how that income may be viewed can be especially useful before you start setting a home-buying budget.

The number you earn and the number available for mortgage qualification aren't always exactly the same thing.

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24/08/2026

When people compare mortgages, it's natural to look at the rate and monthly payment first.

They're important.

But they're not the entire mortgage.

Prepayment privileges, penalties, portability, term length and other features can become much more important if your circumstances change before the term is over.

That doesn't mean everyone needs the mortgage with the most bells and whistles.

It means it's worth knowing what you're getting — and what you're giving up — when comparing your options.

Sometimes the mortgage that looks best on day one isn't necessarily the one that fits best over the next five years.

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22/08/2026

I need to know where everyone lands on this.

You wake up Saturday morning and somehow...

No errands.

No appointments.

No kids' activities.

No projects that absolutely have to get done.

The entire day is yours.

Are you:

A — Staying home and protecting that empty calendar with your life

B — Getting outside and doing something

C — Heading out shopping, wandering, grabbing lunch

D — Immediately texting people to make plans

I'm pretty sure there are two kinds of people here: those who see an empty calendar as freedom... and those who immediately try to fill it. 😂

What's your answer?

21/08/2026

You've been pre-approved.

You found the house.

Now seems like the perfect time for the new vehicle and furniture...

Please don't. At least not yet.

A pre-approval is based on your financial picture at that time.

Taking on new debt, financing large purchases, changing employment, or making other significant financial moves before your purchase closes can potentially change that picture.

If you're unsure whether something matters, ask before doing it.

Between pre-approval and possession, boring finances are a beautiful thing.

Once you have the keys, we can all get excited about the new couch.

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19/08/2026

Here's one that surprises people:

Having a $0 balance on a credit product doesn't always mean it's irrelevant to a mortgage application.

Depending on the type of credit and the lender's guidelines, available limits can sometimes become part of the conversation—particularly with things like lines of credit.

That does NOT mean everyone should start closing unused credit accounts. Closing credit can have other consequences, including potential effects on your credit profile.

This is exactly why I don't love blanket mortgage advice.

The better approach is to look at the entire application before deciding whether anything needs to change.

Sometimes the right answer is: do nothing.

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17/08/2026

One of the assumptions I hear is:

"I'm not buying for another year, so there's no point talking to a mortgage professional yet."

I actually see that time as an advantage.

If you're a year away, there's no offer on the table. No financing deadline. No pressure to fix something quickly.

There's simply time to look at the bigger picture.

Maybe everything looks great.

Or maybe there are a few things you could work on now that would put you in a stronger position later.

Getting information early doesn't commit you to anything.

It just gives you time—and time can create options.

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15/08/2026

It's amazing how quickly summer passes.

The weekends have a way of filling up before we know it.

Whether you're camping, golfing, spending time with family, or simply enjoying a quiet evening outside, I hope you find a little time to slow down and appreciate the season.

Wishing you a wonderful weekend.

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14/08/2026

The best mortgage isn't always the one with the lowest rate.

It's the one that still fits your life.

As your circumstances change, it's worth taking a few minutes to ask:

Does my mortgage still support my goals?

Sometimes the answer is yes.

Sometimes there are opportunities you haven't considered.

Either way, asking the question is a great place to start.

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12/08/2026

A mortgage review isn't about trying to convince you to make changes.

It's an opportunity to step back and ask a few important questions.

Has your income changed?

Are your goals different?

Have interest rates or mortgage products changed?

Are you planning renovations or another purchase?

Sometimes the answer is to stay exactly where you are.

Sometimes there are opportunities worth exploring.

The value is knowing your options before you need them.

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Alberta

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