(780) 455-8518 josh@mortgagesforless.ca
Put Your Homeowner Skills to the Test

Put Your Homeowner Skills to the Test

Do you have what it takes to own your own home? If you’re a renter you’re probably already pretty good at doing the dishes, taking out the trash, keeping the grass cut, and paying your rent on time. But what else does it take to become a fully fledged home...
How to Handle Credit Card Debt

How to Handle Credit Card Debt

Do you have a credit card? Do you have more than one? Most Canadians need to use credit cards in order to start building their credit. However, unless you know how you use them responsibly credit cards can be a slippery slope into mounting debt. In April this year...
Beat the Stress Test

Beat the Stress Test

The mortgage stress test. Heard of it? You probably have. If not, it’s a test the OSFI introduced at the start of 2018 to calculate whether borrowers could cope with either the Bank of Canada‚Äôs five-year average posted rate, or 2% higher than the actual mortgage...
Spring/Summer Best Season for a Mortgage

Spring/Summer Best Season for a Mortgage

Winters can be brutal in Alberta, which is why people perk up so much in the spring and summer. When the weather warms up, Albertans can be found starting their spring cleaning, basking in the sunlight, starting a new hobby, or making a new purchase. According to new...