Mortgage Alliance Linda Plese
303 - 300 Manning Road NE T2E8K4 Calgary, AB, Canada

If you are a homeowner and carrying high interest debt, it may be best for you to refinance for better cashflow. Refinancing your mortgage to pay off high interest debt can reduce your monthly interest payments which will put more money in your pocket. Reach out today to review your options.

Refinancing to reinvest in your home is a smart financial move. Not only will you love your space all over again but you will also increase the value of your home when you focus on key renovations like kitchens and bathrooms. Reach out today to learn about your options.

Looking to purchase or refinance your mortgage? Get in touch as soon as possible! Uninsured mortgages (having more than 20% equity) that get approved by June 1st will not be subject to the new stress test announced by OSFI. This means that qualifying could be easier, and it also applies to properties closing after June 1st with a signed Purchase & Sale Agreement. Reach out today.

When it comes to accessing funds for a renovation, you have options! Whether it is through refinancing, a HELOC or alternative credit products, I will work with you to see what's best for you. Reach out today.

Unlocking equity through refinancing or a home equity line of credit (HELOC) is a great way to leverage the value of your house. Refinancing allows you to access equity and possibly obtain a better interest term and rate. Whereas a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message and we can look at your options.

1 in 10 homeowners rent or plan to rent an area of their home (according to Mortgage Professionals Canada 2020 Consumer Report). If you are interested in exploring how a rental income can impact your affordability, send me a message and we can look at your options.

Why use a mortgage broker? Choice with access to multiple lenders you can be sure you are getting the right mortgage for you. When you get your mortgage from a bank you only have access to one lender, that bank. As a mortgage broker I have access to banks, credit unions, private funds and more.

Did you know that 41% of first-time buyers use a Mortgage Broker? I specialize in helping first time homebuyers get approved. If you are ready to buy or thinking about buying, send me a message and we can find the mortgage that's right for you.

Let the equity in your house, work for you! Refinancing your mortgage to renovate your backyard not only adds value to your house it lets you create the oasis you need to escape this summer. Send me a message to discuss your options, my services are free.

If you are in the market to buy, send me a message for a pre-approval to find out how much you can afford. To help with the process, I included a list of items below you will need: ID Proof of employment Proof you can pay the down payment & closing costs... Info about any other assets you have (car, cottage, boat, etc.) Info about any debts or financial obligations that you have See more

Here are 7 tips to help you get approved for a mortgage: 1. Check your credit score 2. Save a larger down payment 3. Keep your income stable... 4. Pay down existing debt 5. Get a mortgage pre-approval 6. Get a great rate 7. Know what you can afford and what you can’t See more

It’s that time of year just a reminder to all our first-time home buyers to take advantage of the Home Buyers Tax Credit (HBTC). It can give you up to $750 in tax relief. https://www.canada.ca///line-31270-home-buyers-amount.html

As we get used to our new normal many Canadians are finding ways to get away close to home. You may be surprised to find out you can utilize the equity in your home to purchase a vacation property, just ask!

To best meet your needs, mortgage brokers like myself, have a wide array of products to choose from banks, private sources, independent lenders, etc. If you are in the mortgage market, we should talk. Whether you are looking to explore your options or get a second opinion, the lending options available could save you thousands!

If you are a homeowner and struggling with high-interest debt payments, we should talk. It may make sense for you to refinance and access the equity in your home to pay off your high-interest debt. Your mortgage is typically the lowest interest rate to borrow money. Refinancing to pay off high-interest debt and lumping everything into your mortgage payment could free up extra cash each month by saving you on interest. Send me a message and we can see what's available to you.

Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Click below for more details about factors that impact your credit score. https://www.consumer.equifax.ca//what-impacts-credit-sco/

Do you know the difference between using a broker vs the bank? A mortgage broker works for you. We have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. If you are getting ready to buy, renew or refinance your mortgage, send me a message, it might save you thousands in unnecessary interest.

Just a reminder how we are able to conduct business while keeping you and your family safe.

If you are thinking about buying your first home or moving up, now is the time! Bank of Canada Governor, Tiff Macklem made a statement informing Canadians that if you are thinking about making a large purchase you can be confident interest rates will stay low into 2023. Read the full report here: https://www.bankofcanada.ca//10/fad-press-release-2020-10/

Top 3 reasons homeowners choose to refinance: 1. Take advantage of a lower interest rate. 2. Consolidate high interest debt. 3. Fund home renovations.... If you interested in exploring your options send me a message. I'm here to help and my services are free.

3 Reasons you should use a mortgage broker vs going to your bank: 1.Better Rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2.Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders. 3.Our services are free we are compensated by the le...nder. If you have questions about your mortgage or home financing options send me a message, I'd be happy to chat.

Renewing your mortgage is your chance to renegotiate everything relating to your mortgage with no penalties! It is important to get in touch and start conversations early so there is time to review your financial goals and determine if it makes more sense to switch your mortgage for a lower rate or even refinance to consolidate debt.

Nearly 1 in 5 Canadians ages 18-34 say the pandemic has accelerated their plans to purchase a home or investment property. (According to a survey conducted by Scotiabank) If you are one of those Canadians who have turned their living room into an office or dining room into a classroom and are looking for more space, send me a message. Rates are at record lows and I can provide you with a free consultation so you can shop in confidence.

If you have a minimum of 20% equity in your home refinancing is a low-cost way to access needed money. Some homeowners are refinancing to pay off high interest debt and have one low monthly payment. While others are doing it to access funds for renovations since we are all spending more time at home. Whatever your need is, contact me for a free consultation.

Using a mortgage broker gives you access to lending options you can’t get on your own. At Mortgage Alliance we deal with many lenders, from major banks to private lending. More choices with one simple call. Contact me for a free consultation.

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The downpayment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and lets start the conversation.

Is it time to break your mortgage for a lower rate? For some the answer is easy, while for others in a fixed-rate mortgage it can become a difficult and complex question when facing prepayment penalties. What we know for sure is that rates are at record lows. If you are unsure of what’s best for you, reach out. Together we will run the numbers to see what makes sense for you.

If you currently own a home, now is the right time for a mortgage checkup to find out if you can save on interest costs and what steps you can take today to help you get closer to reaching your short- and long-term financial goals. Always remember that as a Mortgage Professional I’m here to offer you unbiased advice and answer any questions you might have. Please don’t hesitate to reach out.

Rates are low and can be locked in for 90 days. If you are thinking about buying a new home, contact me so you can be ready to make an offer.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. If you are interested in exploring the possibilities available to you send me a message for a free consultation.

We want to pay your mortgage! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or click the link below. It pays to use the right broker!... https://www.mortgagealliance.com//MortgageAllianceWinYourM

Using a mortgage broker gives you access to lending options you can’t get on your own. We deal with many lenders, from major banks to private lending options. When you are ready to renew, refinance or purchase your next home, contact me for a consultation.

Fixed or variable? How much of a down payment do you need? What is mortgage default insurance? Do you qualify for any first-time home buyer incentives? When it comes to securing your mortgage there are a lot of questions. That's where I come in. I'll help you navigate the process, present you with options, and ensure you get not only the best rate but the terms you need. Feel free to reach out with any questions, I'm here to help.

With interest rates low, and expected to stay there, now is a great time to refinance to pay off high interest debt. Use this as an opportunity to streamline your finances and incorporate everything into one payment, your mortgage. Contact me for a free consultation.

To improve something, it is important to understand it! Pay your bills on time, have a good mix of credit accounts, and keep a lower ratio of debt used to credit available. Regardless of your financial milestones it is important to know what makes up your score so you can keep it on track. Click below for more details https://www.consumer.equifax.ca//what-impacts-credit-score/

Win your mortgage payments for a year! One lucky Mortgage Alliance customer will win the value of their new Qualifying Mortgage payments during their first year, up to a maximum of $25,000. Contact me for more details or visit: https://www.mortgagealliance.com//MortgageAllianceWinYourM

With all the information you have been hearing about interest rates and policy changes it makes sense to schedule a free mortgage check up. We will look at your current rate and term, discuss your plans and make sure your mortgage is right for you. Send us a message and we can start your mortgage check up today.

3 Reasons you should use a mortgage broker vs going to your bank: 1. Better rates Because lenders compete for our business, we get access to discounted rates based on volume and we pass these savings directly on to you. 2. Access to more lenders - When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you get access to dozens of lenders.... 3. Our services are free we are compensated by the lender.

Are you a homeowner that can benefit from the current low rates? According to CIBC Economics, the weighted average mortgage rate currently paid by borrowers [is] roughly 50 basis points higher than the current rate no less than 20% of borrowers have already renegotiated their rates. We expect more to come. Contact me and we can do a cost/benefit analysis for you as well as look at other options.

CMHC recently announced that as of July 1 they will be tightening their underwriting guidelines which will have a huge impact on buying power for Canadians. In Canada we have 3 companies that provide mortgage insurance for those who need to buy with less than 20% down. CMHC is the most popular because they are government owned, but Genworth and Canada Guaranty announced they will not follow CMHC in tightening their policy. This is one more reason why it is so important to work with a mortgage broker who can give you options.

With the recent CMHC announcement about qualifying for a mortgage, and our ever-changing rate landscape, now more than even you should be working with a Mortgage Broker. We deal with multiple lenders and flexible terms. As we have all seen over the past few weeks life changes, your mortgage needs to adapt with you. Contact me for a free, unbiased, consultation.

I work for you! As a mortgage broker I shop the market to save you money. One call gives you access to dozens of banks, credit unions and trust companies.

Getting in touch before renewing will simply help you make a better decision, especially since the current rate environment is very confusing. It’s important to have the conversation early so there is time to review your financial goals, determine if it makes sense to switch your mortgage for a lower rate, or possibly refinance to consolidate debt. Overall, it’s an important moment of opportunity because you can renegotiate everything pertaining to your mortgage with no penalties.

Should you break your fixed rate mortgage to save money? Every situation and mortgage agreement is different. Contact me and we can review your situation to see if the cost to break your mortgage is worth the savings over time.

Are you renewing this year, planning to buy or looking to unlock equity? The pandemic might have thrown a wrench in your plans and you are uncertain about your options. Reach out for free, honest, unbiased advice.

As a mortgage broker I work for you. I have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you. Now more than ever you need a broker on your side. Contact me for a free consultation. I’m here to help and answer your questions.

I'm here to help! Thanks to technology we are still able to connect, answer your questions and complete transactions whether you are buying, refinancing, or renewing your mortgage.

Even in uncertain times it’s important to look ahead to the future. Here are 4 ways first-time buyers can get assistance to help achieve their goals of home ownership.

As we navigate turbulent waters the best advice I can give you is to get in touch early if you are anticipating any challenges. Whether you need a new mortgage or are unsure of your current situation, there has never been a better time to get advice tailored to you.

During these difficult times it is important for purchasers to know that we are seeing delays in all aspects of the mortgage loan process from application to appraisals. What we want you to know is that this situation is new to all of us, brokers and lenders are working diligently to meet the needs of Canadian Mortgage Consumers. As a reminder, the following options may be available to assist homeowners during these times. Contact me with any questions, I’m here to help. De...ferral of payments Re-amortization of the loan Capitalization of outstanding interest & costs Special payment arrangements See more

If you find yourself in the position that you need help with your mortgage payments due to COVID-19 please reach out. Most lenders have options available to skip a payment or put a hold on a payment. Each lender has different options and have updated their policies. If you have any questions do not hesitate to reach out. As a mortgage professional I’m here to provide unbiased advice and counsel during these times.

Buying Power! The Stress Test changes coming into effect this April will give buyers access to about 5% more buying power. It’s more important now than ever to use a broker not only to get unbiased advice but also access to the best rates.

Top 4 tips for saving a down payment!

Due to the recent Stress Test changes we can expect a spike in the spring market. Experts are saying we could see anything from an increase of house prices to interest rates rising. What we know for sure is that come April 6th, what buyers qualify for will be more in line with what they can afford finally! If you are thinking about buying this spring, the best thing you can do today is secure your rate! A rate hold is generally good for 120 days so that means you can secure the lowest rate available to you today and if rates rise you will be protected, if they drop you can still take advantage of a lower rate.

We are well into 2020 and all signs are looking positive for Canadians and their home ownership aspirations. While home prices haven’t appreciated in 2019 to the same extent as in previous years, Canadian Mortgage and Housing Corporation (CMHC) is predicting that the bounce back is expected to play out quicker than what’s been anticipated on the sales front. While more sales are expected, an increase in activity and prices usually follow, that’s why it might just make sense... to act now and see what you could qualify for if you’re a first time home buyer or if you’re thinking of moving up to the next home. Did you know that it might be possible to move up to a bigger home or your dream home without increasing your monthly payment significantly, especially if you have built some equity in your current home or have paid down your mortgage over the last few years? It is even possible to move without having to pay penalties on your existing mortgage. Together we can find out what’s possible for you. February is typically one of the best months to get pre-approved. Rates are low and those rates can be locked in for 90 days meaning if you decide to buy and interest rates move upwards, you’re protected. So if you or someone you know is thinking of getting a mortgage pre-approval, contact me for a free pre-approval.

If you want to get in the market but feel like it's impossible, let’s talk. I will review your current financial situation and set you on a plan to homeownership.

Start the year off right with a free mortgage check up. We can take a look at your current mortgage to see if there are ways you can save, or we can help you plan your next move.

Talk to me about smart financial solutions including a unique and ultra-competitive free cash back credit card that offers 5% Cash Back on home improvement purchases*. Send me a message for more information or to apply. *Some conditions apply.

If you own a home with reasonable equity in it you may be surprised to find out you can unlock that equity to reinvest. Just ask how.

This is great news if you are looking to renew, refinance or purchase a home in 2020! Remember, if you are thinking of buying get a rate hold. This way you can always ensure you are getting the best possible rate available to you. https://www.livabl.com///canadian-mortgage-rates-2020.html

47% of all homebuyers last year were first-time homebuyers. Let’s discuss how you can create a first-time homebuyers plan for 2020 and start your journey to home ownership. *Source CMHC 2019 Consumer Survey

Are you a first-time homebuyer having trouble saving your down payment? A flex down payment might be the right solution for you. This allows first-time buyers to borrow the necessary funds to use as their down payment.

These are the kitchen cabinet trends to watch was we roll into 2020. PS. You can incorporate your reno costs into your mortgage, just ask how! https://www.hgtv.ca///kitchen-cabinet-trends-2020-1933926/

Take a look at these 10 renovation projects that will make an impact on your home. PS. You can incorporate your reno costs into your mortgage, just ask how! https://www.hgtv.ca//bathroom-and-kitchen-renovation-proj/

A rate hold will allow you to secure your interest rate so you can take your time house shopping. In the event rates rise you will be able to take advantage of the low rates available today. In the event rates drop, you will still be able to secure the lowest rate available for you when you are ready to buy.

Just a little reminder about our $100,000 Minimize Your Mortgage Sweepstakes! Every Mortgage Alliance customer in the calendar year of 2019 qualifies. Click below or send me a message for complete sweepstakes details. http://authoring.mortgagealliance.com/MortgageAllianceMinim

Purchase + Improvements is ideal for the person looking to purchase a home with great potential but needs a little extra work. Contact me today to learn if this is right for you.

Did you know that high interest debt can be incorporated into your mortgage? End this decade off right and get rid of those high interest payments.

More Canadians are choosing to stay in their current home and renovate vs. moving. Here is a look at the home improvement trends in Canada. Tip: The most cost-effective way to renovate is to incorporate the costs into your current mortgage. Just send me a quick message and I can help you with this. https://www.hgtv.ca//latest-home-improvement-trends-in-ca/#

It is not all about rate check the terms before you sign! The lowest rate may not be the best rate for you. Getting a low rate up front may result in extremely high charges if you need to break your mortgage early or if you try to pay extra. Contact me for more information, my services are free.

Unlocking equity to invest can be a great financial move. Private message or call me to discuss options, my services are free.

Have you ever wondered what your credit score calculations are based on? Take a look at these 5 factors. http://ow.ly/cKsc50wNI5h

Did you know that your renovation costs can be incorporated into your mortgage? Private message or call me to discuss. My services are free, and I am here to help.

5 things you need to know when renewing your mortgage: 1. The posted rate you see is not the best rate! 2. Do your research know what is available vs. what is being offered. 3. Using a broker will get you a better product and rate vs. the bank. 4. Loyalty to your bank will not affect your rate! ... 5. It’s not all about rate check the terms before you sign. See more

Borrowing money to buy a home is harder for Canadians who are self-employed a group that, according to Statistics Canada, has a higher median net worth than paid employees. If you are self-employed and looking to buy a home or renew your mortgage, contact me! I specialize in self-employed mortgages.

80% of Canadians agree that home ownership is a good long-term financial investment. Whether you are looking to get into the market or take equity out to invest, I have a mortgage that’s right for you.

One lucky Mortgage Alliance customer can become $100,000 richer in our Minimize-Your-Mortgage Sweepstakes*. Message me to find out how you can qualify! *Win the value of your mortgage up to $100,000

Do you know the difference between using a broker vs the bank? As a mortgage broker I work for you. I have access to multiple lenders to find the product and rate that meets your needs. A mortgage specialist at the bank works for the bank. They have access to 1 lender and want to sell their product, not necessarily what is best for you.