The Mortgage Gallery

Hi I’m Cheryl! I’m passionate about mortgages, and finding you the best rate possible on the home of your dreams. I love building lifelong relationships with all my clients and supporting their real estate journey, however that may look. From first time home buyers, to those looking to create a real estate revenue stream, my experience will ensure you are getting what you need to reach your real estate goals. As a Mortgage Broker, I work for you. My expertise takes the guess... work out of your mortgage options and allows you to know you’re getting the best deal, without any of the work! Leave it to me to be your advocate! I’d love to meet you! 403-809-6217 . [email protected] #yycmortgages #yycrealtors #yycaccountants #yycadvisors #bnialbertasouth #bni #calgaryrealestate #calgarymortgagebroker #mortgagebroker

It’s frustrating that mortgages are always advertised based on rate, especially since cheapest is not always best and, as they say: "the devil is in the details". Once you read the fine print, you may find you don’t qualify for that rate, and often there are restrictions and fees that could cost you in the long run. Important mortgage privileges those that can save you money and give you flexibility don’t fit in a rate ad... but they're key in building you the right mortgage matched to your needs and goals. If you're seeing low online rates, do all of the research you can, but be sure to get in touch to discuss!

"Instead of rushing to complete your dream renovation, it’s important to prioritize taking on those tasks that will be good for the overall health of your home." Great advice! Make a list of renovation 'needs' and 'wants' and go from there.

An annual mortgage checkup is an important stepping stone for long-term success. It will help make sure you’ve: determined if you can take advantage of today’s ultra-low pandemic rates; looked at maximizing your mortgage principal reduction; ... consolidated debt for one manageable payment, improved cash flow, and interest savings (if you have enough equity); and, accessed the lowest-cost funds for large looming expenses. I'll help make sure your mortgage incorporates what may be ahead: it could pay big dividends and is the best way to get you where you’re going in your financial future. Book a consultation today!

Most Canadians suffer with their highest personal debt load at this time of year, when holiday spending credit card statements have arrived. You may be able to use your home equity to consolidate that high-interest debt (20% equity is needed) into your mortgage. With extremely low pandemic mortgage rates, every month you could be seeing a big difference: a boost to your monthly cash flow... one easy payment faster debt paydown, and potentially thousands of dollars in interest savings. I can crunch the numbers to see if this makes sense for you. It could be the start of a new financial life!

Will prices go up or down? How about rates? Here are some predictions... but nobody can say for certain what the future holds. Stay focused on your goals and get in touch for expert mortgage advice tailored to your situation.

There are some common pitfalls among many first-time buyers who don’t seek out professional advice and guidance. When you work with a Mortgage Broker, you get the education you need to make informed decisions throughout the homebuying process. Knowledge is power and it’s best to get that knowledge as early in the process as possible. Are you getting ready to jump into homeownership? Let's have a conversation to make sure your experience is efficient, cost effective and, above all, successful!

This is good info for anyone planning to buy their first home.

If you need help polishing your score so you can qualify for the best rates, get in touch.

The Bank of Canada has announced it is maintaining the benchmark rate, noting that Canada’s economic recovery will continue to require extraordinary monetary policy support. The Bank says it will hold the policy interest rate at the effective lower bound until economic slack is absorbed so that the two per cent inflation target is achieved, which the Bank doesn’t expect to happen until sometime in 2023. The next rate-setting day is January 20th, 2021. The beginning of the new year will be a great time to get in touch for a review of your mortgage strategy. It's important to get advice and a personal assessment of your situation if you want to switch your mortgage for a lower rate, need a new mortgage, are renewing or looking to refinance for debt consolidation, renovations or other large expenditures.