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Welcome to the Mortgages for Less blog! Here, you'll find expert advice, industry news, and helpful tips to guide you through every step of your home financing journey. Whether you're a first-time homebuyer or looking to refinance, our blog is your go-to resource for staying informed and making smart mortgage decisions.

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September 25, 2026
A cheaper variable rate can work if your budget can absorb increases. See the payment and crossover math on a $500,000 uninsured mortgage.
September 23, 2026
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still calls you self-employed. A real Calgary refinance showing why the two disagree, what documents get asked for, and why the burden is front-loaded rather than forever.
September 21, 2026
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could mean for buyers.
September 18, 2026
Self-employed, carrying about $70,000 in CRA tax debt, one income on maternity leave, a fully gifted down payment — and this Calgary family still bought their first home at 4.39%. Here is exactly how we did it.
September 17, 2026
High gas prices are raising inflation risks and putting Bank of Canada rate hikes back on the table. Here’s what Alberta mortgage borrowers should know.
September 16, 2026
A Grande Prairie couple could buy only about $160,000 if they kept their home. A refinance cleared a $1,417-a-month vehicle loan; then they bought a $385,000 home with 5% down and rented the first for $2,800.
September 15, 2026
Refused at 72 because their RRIF income was too new, a retired Alberta couple bought a $418,000 home with a reverse mortgage. Funded in 13 days.
September 14, 2026
Calgary secondary suites are booming. Learn when rental income from a basement suite may help you qualify for a larger mortgage.
September 11, 2026
A self-employed Calgary couple were told they wouldnt qualify. Eleven months later, through a credit rebuild, a brand-new business and a nationwide tax-software glitch, they got the keys to their first home.

September 25, 2026
Should I take a variable rate when it’s cheaper than a fixed rate?
A cheaper variable rate can work if your budget can absorb increases. See the payment and crossover math on a
Read more
September 23, 2026
I Pay Myself a Salary From My Own Company. Why Does My Lender Call Me Self-Employed?
You own your corporation and pay yourself a T4 salary, so the CRA calls you an employee. Your lender still
Read more
September 21, 2026
Could Cutting Taxes and Development Charges Make Canadian Homes More Affordable?
Poilievre says taxes, fees and red tape are driving up home prices. Josh Tagg examines what cutting those costs could
Read more
September 18, 2026
Self-Employed, Owing the CRA, and On Maternity Leave — and They Still Bought Their First Home
Self-employed, carrying about $70,000 in CRA tax debt, one income on maternity leave, a fully gifted down payment — and
Read more
September 17, 2026
High Gas Prices Have the Bank of Canada Talking About Rate Hikes Again
High gas prices are raising inflation risks and putting Bank of Canada rate hikes back on the table. Here’s what
Read more
September 16, 2026
They Kept Their First Home as a Rental and Bought the Next One With 5% Down
A Grande Prairie couple could buy only about $160,000 if they kept their home. A refinance cleared a $1,417-a-month vehicle
Read more
September 15, 2026
Turned Down at 72: How a Retired Couple Bought a Calgary-Area Home With a Reverse Mortgage
Refused at 72 because their RRIF income was too new, a retired Alberta couple bought a $418,000 home with a
Read more
September 14, 2026
Secondary Suites Are Booming in Calgary — Could the Rental Income Help You Qualify for a Mortgage?
Calgary secondary suites are booming. Learn when rental income from a basement suite may help you qualify for a larger
Read more
September 11, 2026
Turned Away, Then Handed the Keys: How a Self-Employed Calgary Couple Bought Their First Home
A self-employed Calgary couple were told they wouldnt qualify. Eleven months later, through a credit rebuild, a brand-new business and
Read more