October 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
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 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
- Read moreOctober 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.
- 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
