Category: Blog

If you are legally married in Alberta and your property is considered a “homestead,” your spouse must provide written, legally advised consent for any new

Adding a non-residing individual with strong income and credit to your property title and mortgage application instantly lowers your Total Debt Service (TDS) ratio, allowing

When a primary borrower defaults on a second mortgage in Calgary, a guarantor faces immediate and severe financial liability. Under Alberta law, guarantors are “jointly

Assuming guarantor responsibilities for a second mortgage in Calgary means accepting 100% legal and financial liability for a borrower’s debt without receiving any of the

To successfully execute an equity buyout and clear a property title, the remaining homeowner must refinance the existing mortgage to pay out the departing partner’s

Adding an adult child’s employment income to a retired parent’s mortgage application mathematically lowers the Total Debt Service (TDS) ratio, allowing seniors to access trapped

In the 2026 Calgary real estate market, having a parent back your second mortgage typically means they must become a registered co-borrower on your property

If you are unmarried in Alberta, the titled owner of your shared home can legally take out a second mortgage without your consent. Because the

Adding a partner to your home equity financing application instantly combines your verifiable household incomes, drastically lowering your debt service ratios and significantly increasing your

For Calgary homeowners facing significant financial undertakings in 2026, peer-to-peer (P2P) lending platforms frequently fall short due to restrictive $35,000 borrowing caps and high unsecured