November 13, 2026
Buying Before Selling: How a Repeat Calgary Client Used Bridge Financing to Move Up
A real Calgary case study: repeat clients used bridge financing and a 120-day rate hold to buy their $680,000 move-up
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 moreNovember 12, 2026
Can you get a mortgage in Calgary on a closed work permit with no Canadian credit?
He was on a closed work permit with one Canadian credit card and a frozen US credit file. He still
- Read moreNovember 4, 2026
Can you get a mortgage in Calgary when your income comes from a US client?
A Calgary web developer bills a US company in US dollars. Her lender qualified her on Canadian tax returns, and
- Read moreOctober 30, 2026
How a Newcomer Bought Her First Edmonton Home on One Modest Income
A real Alberta first-time-buyer case study: a newcomer on a non-permanent healthcare income bought a $245,000 Edmonton home on her
- Read moreOctober 29, 2026
Buying a Home When You Already Own Several Rental Properties: A Clean Calgary Approval
She co-owns six mortgage-free rentals, so her file looked hard. She qualified on income alone and bought a $1.045M Calgary
- Read moreOctober 23, 2026
Bankrupt in 2020, Homeowners in 2026: Getting a Mortgage After Bankruptcy
A real case study: after a bankruptcy triggered by a first responder’s on-the-job injury, a family rebuilt their credit, restructured
- Read moreOctober 22, 2026
Can you add the cost of replacing Poly-B to your mortgage when you buy?
A Calgary couple's new house had Poly-B that had to come out. $28,734 of plumbing, drywall and paint went into
- Read moreOctober 16, 2026
How an Alberta Couple Bought Their First Home After Credit Counselling
They assumed credit counselling had shut them out of home ownership. Instead this Alberta couple bought a brand-new home just
Read moreOctober 9, 2026How an Edmonton-Area Family Turned a Mortgage Renewal Into a $60,000 Debt Reset
At renewal time, an Edmonton-area family rolled $60,400 of credit cards, a line of credit and an overdraft into their
