Mortgage & Wealth Strategies
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
Let’s get started.
Category: Financial Strategies (21 posts)
Breaking Free from Debt: How a Strategic Refinance Created $1,350 in Monthly Savings
March 20, 2025 | Posted by: Matt Broom-Hall
Debt can feel like a never-ending cycle—one that sneaks up on you over time until the monthly payments start to feel overwhelming. This was the reality for one of my recent clients. Like man ...
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REVEALED: The Hidden Costs of a 'Lower Rate' - What the Banks Don’t Want You to Know
January 22, 2025 | Posted by: Matt Broom-Hall
For many homebuyers, the mortgage process feels like a hunt for the lowest possible interest rate. After all, the lower the rate, the more money you’ll save, right? Not quite. There’s ...
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Unlocking Your Path to a New Home: How to Buy When You Already Own
January 21, 2025 | Posted by: Matt Broom-Hall
For many homeowners, the thought of purchasing a new home while still owning an existing property can be daunting. Questions about down payments, mortgages, and managing two properties often creat ...
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The Rate Ride Strategy: An Exclusive Mortgage Move That Could Save You Thousands in Interest
November 22, 2024 | Posted by: Matt Broom-Hall
The Exclusive Mortgage Move That Could Save You Thousands in Interest When it comes to choosing a mortgage, it’s easy to get caught up in the numbers. But there’s a lesser-known strat ...
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Don't Forget About Your Prepayment Privileges: They Can Unlock Savings & Save You Thousands
November 6, 2024 | Posted by: Matt Broom-Hall
When it comes to paying down your mortgage, every bit counts—and many homeowners are sitting on opportunities to save big without realizing it. Prepayment privileges allow you to make extra ...
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Rates Are Dropping and You Have a Fixed Rate Mortgage—What Do You Do Now?
November 5, 2024 | Posted by: Matt Broom-Hall
If you have a fixed-rate mortgage, you might think you're locked in until the end of your term. But what if switching to a lower rate could save you thousands, even after paying penalties? In toda ...
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How to Manage Your Variable Rate Mortgage in a Declining Rate Environment
November 4, 2024 | Posted by: Matt Broom-Hall
If you have a variable rate mortgage, the best thing you can do right now is - sit tight! You’re uniquely positioned to benefit as the Bank of Canada (BOC) continues its rate-cutting cycle. ...
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Mortgage Strategies in a Rising Interest Rate Environment
October 24, 2023 | Posted by: Matt Broom-Hall
Hello dear readers, Let's have a coffee chat, shall we? If we were sitting in a cozy café, sipping on lattes (or your beverage of choice), today's hot topic of conversation would undoubtedly r ...
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The Epic Showdown: Conquering Good Debt vs. Bad Debt in Personal Finance
April 23, 2023 | Posted by: Matt Broom-Hall
The Epic Battle: Good Debt vs. Bad Debt! In the world of personal finance, there's a constant battle between two mighty forces: good debt and bad debt. Understanding the differences between these ...
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Current Mortgage Interest Rates in Alberta: An Overview
March 20, 2023 | Posted by: Matt Broom-Hall
Alberta Mortgage: Understanding Today's Interest Rates Are you considering buying a home in Alberta or looking to refinance your current mortgage? It's essential to have a clear understanding of ...
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Top 5 Tips To Avoid Financial Mistakes in The Current Economy
March 13, 2023 | Posted by: Matt Broom-Hall
Top 5 Tips To Avoid Financial Mistakes in The Current Economy For most Canadians, 2023 has been a challenging year financially. With declining stock portfolios, rising costs of living, and increa ...
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The Power of One: How Making One Additional Mortgage Payment a Year Can Save You Thousands
February 1, 2023 | Posted by: Matt Broom-Hall
The Power of One: How Making One Additional Mortgage Payment a Year Can Save You Thousands Making an additional mortgage payment each year can have a significant impact on your finances and can ...
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Does it Make Sense to Refinance After the Holidays?
January 5, 2023 | Posted by: Matt Broom-Hall
If the holidays left you with a mountain of credit card debt and less money in your bank account than you’d like, you might consider refinancing. It won’t solve every homeowner&rsqu ...
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A Six-Step, Back to Basics Financial Plan for Most Every Canadian
January 4, 2023 | Posted by: Matt Broom-Hall
It's a tough time to know what the right financial move is at the moment. Interest rates are increasing, while stocks are in bearish territory. It's easy to forget that there are smart things that ...
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Home Buying Costs - What To Expect
February 23, 2022 | Posted by: Matt Broom-Hall
A Guide to Home Buying Costs: What to Expect and How to Budget When buying a home, your mortgage lender will require you to have 1% to 1.5% of the purchase price of your new home in your ban ...
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What are credit scores and how are they important?
September 4, 2021 | Posted by: Matt Broom-Hall
A credit score is a number that shows how likely you are to pay or default on credit. It ranges from 300 to 900; the higher the number, the more creditworthy lenders deem you. Your credit history ...
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Helping you find the best mortgage rates in Alberta
April 10, 2021 | Posted by: Matt Broom-Hall
The ideal mortgage loan is more than just having a low interest rates. The real solution is more complex than typically what you see advertised and Flare Mortgage Group is here to guide you throug ...
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Get A Mortgage Without A Traditional Down Payment? All About Flex Down Mortgages In Edmonton!
February 21, 2021 | Posted by: Matt Broom-Hall
With Mortgage Rates Being So Low - Now's The Time To Buy! But What If You Don't Have a Down Payment?While no financial institution will lend 100% of the value of your home, there is the option whe ...
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How Good vs Bad Debt Impacts Your Household in Edmonton, Alberta
January 21, 2021 | Posted by: Matt Broom-Hall
In order to understand the difference between good and bad debt, it's important to track your income and expenses and established saving goals for your family. Financial stability allows you to ...
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Why You Need an Emergency Fund And How to Get One
January 6, 2021 | Posted by: Matt Broom-Hall
Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Canadians did not have an emergency fun ...
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Strategies to Dig Yourself Out of the Debt Hole
November 16, 2020 | Posted by: Matt Broom-Hall
Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies ca ...
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