Strategy Mortgage Group

NOTE: Update with current Bank of Canada rate context before posting.
Bank of Canada rate decision — here's the fuller picture.
Rate decisions don't happen in isolation. The BOC is weighing inflation trends, employment data, global trade conditions, and housing signals all at once. What's announced today reflects months of economic pressure — not just a number.
What this means for your situation:
Buying now: your qualification range may shift. Don't wait to understand how.
Renewing in 12 months: this is the moment to look at a rate hold. We can lock in for up to 120 days — often longer than your bank offers.
Holding a variable: the fixed/variable spread is worth reviewing. Whether converting makes sense depends on your term and amortization.
We won't predict where rates go next. What we will do is help you make the right decision for your file.
No pitch — just a straight answer. Drop a comment or send us a message.

Got a call from a realtor last week about a client who'd been turned down by two lenders.

Solid income. Real assets. A complicated story behind a credit situation that, explained properly, made sense.

We closed the file.

Here's why: our team has sat on the other side of that table. We know what underwriters look for. We know what lenders want to see and hear when a hard file comes across their desk.

Credit challenges. Complex income. Unconventional situations. We know how to work through it — because we've done it hundreds of times.

Complicated doesn't mean impossible. It means you need the right team.

Even banks refer clients to us — when they can't get it done, they send the file our way.

Real Strategy for Real Results.

First-time buyer fact nobody tells you:

You don't need a 20% down payment to get into the market.

With as little as 5% down, there's a real path to homeownership. That down payment can be:

Gifted — with no repayment required
Your own savings, RRSP, or FHSA

New to Canada? Permanent residents and work permit holders often qualify. Alternative credit sources count too.

The process looks overwhelming from the outside. With the right guide, it's achievable — and we've helped thousands of Canadians get there.

What's your biggest question about buying your first home? Drop it in the comments below.

One thing we wish more clients knew before starting the mortgage process:

A single credit inquiry — from a car dealership, a new credit card, even a phone plan — can drop your score enough to affect your approval.

If you're planning to buy in the next 6-12 months, protect your file:

✗ No new credit applications ✗ No co-signing for anyone ✗ No major purchases on financing

Whether you have excellent credit, bruised credit, or you're just getting started — we work with all types of credit situations.

Ready to get pre-approved? Send us a message. Happy to take a look.

For over 20 years, we've been doing one thing: helping people get into homes — and stay in them.

Banks said no. We found a way. Credit challenges. Complex income. Self-employed. New to Canada.

At Strategy Mortgage Group, we've seen every kind of file — and we've closed most of them.

Our team has access to 70+ lenders — banks, credit unions, private lenders, and broker-exclusive products the big banks won't show you.

Not every file is a slam dunk. Some of the best ones aren't.

If you've been told no, or you're not sure where to start — let's talk. That's exactly what we do.

Real Strategy for Real Results.

strategymortgagegroup Your time is valuable, and we specialize in managing the financing details for you—always with your best interests at heart. We compare mortgage options from a wide range of leading Canadian financial institutions, trusted by Canadians for generations, to find the solution that works best for you....

🛑 STOP waiting until you have a 20% down payment!

We see so many Albertans putting their lives on hold because they think they need $80k–$100k to buy a house.

The Truth:
In Canada, you can buy a home with as little as 5% down.

On a $400,000 home, that’s just $20,000.

While you do pay mortgage insurance on a lower down payment, waiting 5+ years to save the extra 15% often costs you more in rising home prices than the insurance ever would!

Would you like us to show you how the numbers look with 5% vs. 10% down? Contact us at www.strategymortaggegroup.com

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Why is everyone moving to Alberta? Let’s look at the numbers. 💰

While the national news talks about "housing crises," Edmonton remains one of the most affordable major cities in North America.

Toronto/Vancouver: A small condo might cost $800k+.

Edmonton: Average residential price is sitting around $448,000.

Your dollar works harder here. You can own a home and still have a life.

Curious about your "Buying Power"? Contact us at www.strategymortgagegroup.com

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The #1 question we're getting right now: "Should I go Fixed or Variable?" 🤔

In 2024, everyone wanted Fixed. In 2026? The conversation has shifted.

The Case for Fixed: Total peace of mind. You know exactly what your payment is for the next 5 years, regardless of what the Bank of Canada does.

The Case for Variable: With the Bank of Canada holding steady at 2.25%, variable rates are becoming attractive again for those who think rates might dip slightly by 2027.

It’s not about timing the market—it’s about your specific budget.

Want to see a side-by-side comparison? Contact us at
www.strategymortgagegroup.com

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