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.
What Income Do You Need to Buy a House in Calgary? Real Examples
How Much Income Do You Need to Buy a House in Calgary?
Written by Mark Herman, MBA – Mortgage Broker with 22 Years of Experience
One of the first questions many home buyers ask is:
“How much income do I need to buy a house in Calgary?”
Quick Answer (Snippet Call-Out)
In Calgary, a household earning about $100,000 per year can typically afford a home between $450,000 and $500,000, assuming a 5–10% down payment, good credit, minimal debt, and current Canadian mortgage stress test rules.
Minimum Down Payment Canada: Rules, Examples & Options, 2026 Guide for Home Buyers
Specific details of down payment requirements for home buyers in Canada 2026
OnlyFans Mortgage in Canada: How Content Creators Can Get Approved (A-Lender vs B-Lender Options)
OnlyFans Mortgage in Canada: How Content Creators Can Get Approved (Even Without a “Traditional” Job)
If you earn income through OnlyFans, YouTube, TikTok, Twitch, Instagram, or any other online platform, you’ve probably wondered:
Can I actually qualify for a mortgage in Canada with this kind of income?