100% Medical Office Financing in Canada: How Physicians Can Buy a Clinic with No Down Payment
100% Medical Office Financing in Canada: How Physicians Can Buy a Clinic with No Down Payment
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience and an MBA in Finance, who still answers his own phone from 9 – 9 x 365.
Many physicians dream of owning their medical office instead of paying rent to a landlord. Yet one of the biggest obstacles is coming up with the down payment needed to purchase commercial real estate.
Korean Mortgage in Canada Using Korean Income & Credit History | Calgary Mortgage Broker
Korean Home Buyers in Canada: Get a Mortgage Using Korean Income, Korean Tax Documents, and Korean Credit History
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience specializing in unique and difficult to do deals.
Buying a home in Canada can be challenging if you recently arrived from Korea or still earn most of your income there. Many (as in ALL) of the traditional Canadian lenders (Big6- banks) require extensive Canadian employment history, Canadian tax returns, and established Canadian credit.
Mortgage Financing Fell Through After Waiving Conditions? How We Save Calgary Home Purchases Fast
Mortgage Financing Fell Through After Waiving Conditions? Here’s How We Save Calgary Home Purchases Fast
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience
One of the most stressful calls we get is from a buyer who says:
“My bank just declined the mortgage… and we already waived financing conditions.”
Unfortunately, this is happening more often lately.
Should You Replace Poly B Before Selling in Alberta?
Should You Replace Poly B Plumbing Before Selling Your Home in Alberta?
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience
If you’re selling a home with Poly B plumbing in Alberta, you’re facing a key decision:
Replace it now—or let buyers deal with it?
Buying a Home With Poly B Plumbing in Alberta (2026 Guide)
Buying a Home in Alberta With Poly B Plumbing (2026 Guide for Buyers & Sellers)
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience
Buying a home with Poly B plumbing in Alberta can feel like a deal-breaker—but it doesn’t have to be. The reality is that thousands of homes in Calgary and across Alberta still have Poly B, and many are financed every year.
Divorce and Mortgage Options in Calgary: What to Know Before You Sign
Divorce and Mortgages in Canada: What You Need to Know Before Signing a Separation Agreement
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience, specializing in complicated and standard divorces in Alberta and BC.
Divorce is one of the most stressful financial events you’ll go through. Emotions are high, timelines are tight, and most people just want to get things settled and move on.
RRSP vs TFSA vs FHSA for Down Payments in Canada (2026 Complete Guide)
RRSP vs TFSA vs FHSA for Down Payments in Canada (2026 Guide)
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience in First Time Buyers and Move Ups, and New Builds, in Calgary, Alberta & Victoria, BC.
If you’re buying a home in Canada, you have three powerful tools to build your down payment: RRSP (Home Buyers’ Plan), TFSA, and FHSA.
Fixed vs Variable Mortgage Calgary 2026 | Should You Lock In Now?
Fixed vs Variable Mortgage in Calgary (2026): Why Locking In May Be the Safer Move Right Now
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience
Mortgage rates in Canada—and specifically here in Calgary—are starting to trend upward again. After a period where variable rates often came out ahead, the risk equation has shifted.
Mortgage Penalty Calculator Canada: How Fixed-Rate Penalties Are Calculated (2026 Guide)
Written by Mark Herman; MBA in Finance – Mortgage Broker with 22 Years of Experience
Quick Answer: Mortgage Penalty in Canada
If you break a fixed-rate mortgage in Canada, your penalty is usually:
- 3 months’ interest, or
- Interest Rate Differential (IRD)
You pay whichever is higher.
Most fixed-rate penalties in 2026 fall between:
Can I Use a Mortgage to Pay CRA Tax Debt in Canada? (A Real Example of a Private Refinance)
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience specializing in new home buyers and tough deals.
Many Calgary and Canadian homeowners are surprised to learn that the CRA can place a lien on their home for unpaid taxes. Once that happens, refinancing becomes much harder.