Alice - Pinay Realtor and Mortgage Broker

11/03/2026

Higher rate, less money? It happens. Before you choose, check 3 things: fees, lock-in period, and whether the return is actually guaranteed. Short-term or long-term — what's your goal? Tell me below 👇

Keywords: interest rate, investment returns, fees, lock-in period, guaranteed return, short-term goals, long-term goals

11/01/2026

Selling before your mortgage term ends? An open mortgage can skip the prepayment penalty, but a higher rate can cost you more overall. Get both options in writing and compare the total cost up to your sale date.

💬 Comment SELL for the questions to ask your lender.

Keywords: open mortgage, selling your home, mortgage term, prepayment penalty, mortgage rates, lender questions, home sale

10/31/2026

10/27/2026

Shopping for a mortgage? The lowest interest rate isn’t always the only thing to consider.

While the rate is important, the terms and features of your mortgage can also affect your overall costs and flexibility.

🔍 Before choosing a mortgage, compare:

📉 Interest rate
📅 Mortgage term
💰 Prepayment privileges
⚠️ Potential penalties
🔄 Portability options
📋 Other conditions and fees

A mortgage with a slightly lower rate may not necessarily be the best fit if its restrictions don’t match your plans.

Take the time to understand the full offer, not just the number that catches your attention.

The right mortgage should fit your financial situation and your long-term goals.

10/26/2026

Think buying a home is out of reach? Before ruling it out, take a closer look at your numbers.

You might be surprised by what you can explore once you understand your financial situation and available mortgage options.

💡 Start by reviewing:

💰 Your household income
🏦 Your available down payment
💳 Your existing debts
📊 Your monthly expenses
🏡 Your preferred price range

Remember, the amount you qualify for and the amount you’re comfortable paying are two different things.

The goal is to understand your options and find a realistic budget that works for you.

You don’t need to have everything figured out before asking questions. Sometimes, the first step is simply understanding where you stand.

Planning to buy in Calgary or Alberta? Let’s talk about your mortgage options.