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Lacroix Mortgage Group

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Calgary, AB
Lacroix Mortgage Group

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Calgary Mortgage Broker & REALTOR®

Purchases • Refinancing • Renewals

Where You Matter.
🌐 lacroixmortgagegroup.com

Tim empowers his clients with his expertise & ensures his clients get the best mortgage solutions for their unique situation.

10/31/2026

🎃👻 Happy Halloween from all of us at Lacroix Mortgage Group!

The LMG crew is getting into the Halloween spirit, and we couldn't resist having a little fun with our team photo! 🧙‍♂️🦸‍♂️🏴‍☠️

Whether you're heading out trick-or-treating, handing out candy, or enjoying a spooky movie at home, we hope you have a fun and safe Halloween!

Enjoy the treats, watch out for the tricks, and stay warm out there, Calgary! 🍬🍫

👻 We'd love to know — what's everyone dressing up as this year? Share your costumes in the comments! 👇

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/30/2026

🏡 From one home to the next, it's the relationships we build along the way that mean the most! A big thank you to Breyden & Lindsey for this wonderful 5-star Google review and for continuing to trust Lacroix Mortgage Group with your mortgage needs over the past several years! ❤️

We're so grateful to have been part of your homeownership journey, including your recent move into a new home.

Knowing our clients feel supported and well taken care of throughout the mortgage process is exactly what our team works hard to achieve.

Whether you're buying your first home, moving to your next property, or renewing your mortgage, we're always happy to answer your questions and help you explore your options.

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/29/2026

Getting extra cash when you take out a mortgage sounds like a great deal, especially when you're buying a home and have moving costs, legal fees, and other expenses to cover.

But before you accept a cash-back mortgage offer, it's important to understand what you're really paying for.

Here's what you should know:

💰 1. CASH UPFRONT

Some lenders offer a lump sum of cash when you get your mortgage. This can help cover certain home-buying costs.

📈 2. A HIGHER INTEREST RATE

Cash-back mortgages often come with higher interest rates. That means you could end up paying more in interest over your mortgage term than the cash you received.

⚠️ 3. BREAKING YOUR MORTGAGE EARLY

Planning to sell, refinance, or switch lenders before your term ends? You may have to pay back some or all of the cash you received, along with other possible mortgage penalties.

🏡 SO, IS A CASH-BACK MORTGAGE WORTH IT?

It depends on your situation!

For some buyers, having extra money upfront can be helpful. But for others, choosing a lower interest rate without cash back could save more money over time.

The best way to know? Compare both options side by side:

✅ How much cash will you receive?
✅ What interest rate will you pay?
✅ How much interest will you pay over the term?
✅ What happens if you need to break your mortgage early?

Before you sign, make sure you understand the full cost — not just the cash bonus.

Thinking about buying a home in Calgary or Alberta? Our mortgage team is happy to compare your options and help you make an informed decision.

📩 Send us a message anytime. No pressure, just helpful advice! 😊

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/28/2026

🏦 BREAKING NEWS: Today, October 28, 2026, the Bank of Canada announced a 0.25 percentage point increase, bringing its policy rate from 2.25% to 2.50%.

This is the first rate increase since July 2023.

So, what does this mean for your mortgage? 🏡

Here's what Canadian homeowners and homebuyers should know:

📈 VARIABLE-RATE MORTGAGES

If you have a variable-rate mortgage, your interest rate may increase as lenders adjust their prime rates.

Depending on your mortgage, this could mean a higher monthly payment OR more of your existing payment going toward interest instead of paying down your mortgage.

🏠 FIXED-RATE MORTGAGES

If you have a fixed-rate mortgage, your current interest rate and payment won't automatically change.

However, if you're renewing your mortgage soon, the rates available to you may be different from what you're currently paying.

💳 HOME EQUITY LINES OF CREDIT (HELOCs)

If you have a HELOC tied to your lender's prime rate, your borrowing costs may increase when your lender raises its prime rate.

🤔 WHY DID THE BANK OF CANADA RAISE RATES?

The Bank pointed to ongoing inflation concerns, including higher energy prices and rising costs for businesses.

The goal is to help keep inflation under control.

✅ WHAT SHOULD YOU DO NEXT?

If you're buying a home, renewing your mortgage, or currently have a variable rate, now is a good time to review your numbers.

You don't necessarily need to make changes, but understanding how today's rate increase affects your mortgage can help you plan ahead.

The next Bank of Canada rate announcement is scheduled for December 9, 2026.

Have questions about how today's rate increase affects you?

Our team at Lacroix Mortgage Group is always happy to review your options and help you understand what makes sense for your situation.

📩 Send us a message anytime. No pressure, just helpful mortgage advice! 😊

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/27/2026

Another year older, wiser… and apparently even more legendary! 😂 Mike Shanks brings a ton of knowledge, dedication, humour, and personality to the Lacroix Mortgage Group team, and we're lucky to have him!

Today, we're giving him a break from mortgage numbers so he can focus on the only numbers that matter… how many slices of birthday cake he can eat! 🎂🤣

Happy Birthday, Mike! 🎈 We appreciate everything you do for our clients and our team. Hope you have an amazing day!

Drop a 🎉 in the comments to help us celebrate Mike!

10/27/2026

🏡 Meet the faces behind Lacroix Mortgage Group! 👋

We thought it was time to have a little fun and introduce the people who make up our mortgage team! 😄

From answering your questions and exploring mortgage options to helping you through the approval process, each member of our team plays an important role in making your mortgage experience as smooth and stress-free as possible.

We’re a team that takes our work seriously, but we definitely know how to have a little fun along the way! 😉

Whether you’re buying your first home, renewing your mortgage, or looking to refinance, we’re always happy to help.

Now that you’ve met the team, tell us — whose introduction was your favourite? 😂👇

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/26/2026

🏡 A mortgage renewal is more than just finding a new rate — it's about making sure your mortgage still works for you!

A big thank you to Vanessa & Danny for this wonderful 5-star Google review and for trusting Lacroix Mortgage Group with your mortgage renewal! ❤️

We truly appreciate your kind words and are so glad our team could be part of this important step in your homeownership journey.

It's always rewarding to know our clients feel supported and confident in the decisions they're making. That's exactly the experience we strive to provide!

If you have a mortgage renewal coming up, we're always happy to answer your questions and help you explore your options. No pressure, just helpful advice. 😊

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/23/2026

🏡 There's something special about building relationships with clients that last for years! A big thank you to Kristi & David for this wonderful 5-star Google review and for trusting Lacroix Mortgage Group with your mortgage needs for nearly 20 years! ❤️

Your continued trust and support mean so much to our entire team. We're grateful to have been part of your homeownership journey over the years, and we truly appreciate you taking the time to share your experience!

Whether you're purchasing your first home, buying your next property, or renewing your mortgage, our team is always here to help make the process as smooth and straightforward as possible.

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/22/2026

🏡 Thinking about buying your first home someday? Your credit score is a great place to start! A new RBC survey found that 21% of Canadian post-secondary students aged 18–24 either don't have a credit score or don't know what one is.

And 42% said having little credit history has already caused problems, like getting approved for a credit card, loan, or apartment.

So, why does this matter if you're planning to buy a home?

Your credit score helps mortgage lenders understand how well you've managed borrowed money. It can affect your mortgage options and the interest rates available to you.

The good news? You can start building good credit habits long before you're ready to buy a home!

Here are 3 simple ways to get started:

✅ 1. CHECK YOUR CREDIT SCORE

You can check your credit score for free through Equifax or certain banking apps. Checking your own score won't hurt it!

💳 2. USE CREDIT RESPONSIBLY

If you have a credit card, try to use less than 30% of your available limit. Pay your balance in full each month whenever possible.

📅 3. ALWAYS PAY ON TIME

Your payment history is one of the biggest factors affecting your credit score. Even small, regular payments can help build a positive credit history when made on time.

🏠 THE TAKEAWAY?

You don't need to be ready to buy a home to start preparing for one!

Building good credit habits now can put you in a better position when it's time to apply for your first mortgage.

And remember, your credit score is just one part of mortgage approval. Your income, debts, and down payment matter too.

If you're a first-time homebuyer in Calgary or the surrounding area, our team is always happy to answer your questions and help you understand what you can work on before buying.

No pressure, just helpful advice to get you started. 😊

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

10/22/2026

🏡 When your mortgage is up for renewal, your current lender will usually send you an offer with a new interest rate and terms.

It might be tempting to sign and move on, but taking a little time to compare your options could save you money and help you find a mortgage that better fits your needs.

Here are 3 things to consider BEFORE renewing:

📅 **1. START EARLY**

Try to review your mortgage options about 4 months before your renewal date. This gives you time to compare offers and make a decision without feeling rushed.

💰 **2. LOOK BEYOND THE INTEREST RATE**

A lower rate is great, but it's not the only thing that matters. Compare monthly payments, fees, payment flexibility, and any penalties if you need to make changes later.

🏦 **3. ASK ABOUT SWITCHING LENDERS**

You don't have to stay with your current lender!

Some homeowners with uninsured mortgages may be able to switch lenders at renewal without repeating the usual mortgage stress test, as long as their mortgage amount and remaining repayment period don't increase. The new lender still needs to approve the mortgage.

📊 **WHAT ABOUT INTEREST RATES?**

The Bank of Canada's next interest rate announcement is scheduled for October 28th. While no one can predict exactly where rates will go, understanding your options now can help you make a more informed decision.

**The bottom line?** Your mortgage renewal is an opportunity to review your finances and make sure your mortgage still works for you.

If your mortgage is coming up for renewal in Calgary, Alberta, or anywhere we serve, our team would be happy to review your options and help you compare what's available.

📩 Send us a message for a no-cost mortgage renewal review. No pressure, just helpful advice!

Sources: Bank of Canada, OSFI.

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

Address

501/10333 Southport Road SW
Calgary, AB
T2W3X6

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+14036481541

Website

https://lacroixmortgagegroup.com/, https://timlacroixrealtor.com/, https://www.instagram.com/lacroixmortgagegroup/

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