October 7, 2026
Can you use the equity in one rental to buy another?
An Alberta landlord refinanced one rental to make a 20% down payment on another. Her bank sent both files back.
Case Studies
Real client files from Josh Tagg and the Mortgages for Less team, with the actual numbers: what the borrower faced, which lender said yes, and what it saved them.
Read more- Read moreOctober 6, 2026
What if your bank declines your refinance because of the stress test?
A retired Calgary couple's bank declined their $310,000 refinance on the stress test. A second bank approved it, cutting their
- Read moreOctober 2, 2026
How an Edmonton Homeowner Beat Her 4.24% Renewal Offer and Cleared $30,000 of Debt
Instead of signing her lender's 4.24% renewal offer, an Edmonton homeowner switched to 3.99% and used her home equity to
- Read moreSeptember 30, 2026
How do you buy out your ex’s share of the house without breaking your mortgage?
An Edmonton-area homeowner kept the family home and bought out his ex's $48,563 share by refinancing $356,000 at maturity, with
- Read moreSeptember 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 moreSeptember 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 moreSeptember 16, 2026They 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 moreSeptember 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 moreSeptember 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
