Mortgage Blogs

Stay up to date with the recent industry news and mortgage trends.

Variable vs Fixed Mortgages: Why Today's Mid-4% Rates Signal a Major Market Shift

Discover why mid-4% Canadian mortgage rates signal market stability and how to choose between fixed and variable options. Maximize your buying power with tailored advice from Merge Mortgage Group. ...more

Broker Blogs

September 15, 2026•3 min read

How Back-to-School Season Impacts Your Household Budget and Mortgage Planning

Learn how to navigate seasonal back-to-school expenses by leveraging Alberta's cost-of-living advantage, strategic home refinancing, and smart equity moves to build long-term household wealth. ...more

Broker Blogs

September 01, 2026•3 min read

Are Smart Homeowners Refinancing Instead of Buying Property Today?

In 2026 many Canadians are choosing to refinance existing mortgages over buying new homes to optimize cash flow. Merge Mortgage Group highlights how refinancing helps homeowners access equity for debt... ...more

Broker Blogs

August 15, 2026•4 min read

Why 48 Percent Of First Time Buyers Are Skipping The Bank

Alberta is booming, and 48% of home buyers are choosing independent brokers over traditional banks. Discover how custom mortgage strategies, down payment tools, and debt consolidation can help you nav... ...more

Broker Blogs

August 01, 2026•6 min read

Why the July 15 Bank of Canada Rate Hold Means It is Time to Make Your Move to Alberta

With the Bank of Canada holding rates at 2.25%, waiting is a losing game. Smart buyers are leaving high-cost coastal markets for Alberta's affordable housing, lower taxes, and strong job growth. Make ... ...more

Broker Blogs

July 15, 2026•4 min read

Why Alberta's Fast Building Timelines Are Winning the Canadian Real Estate Race

Alberta is leading Canada with faster home construction, lower housing costs, and growing communities. Discover why homebuyers, investors, and newcomers are choosing Alberta for new builds, relocation... ...more

Broker Blogs

July 01, 2026•5 min read

Why Real Estate Investors Are Moving Beyond Major Hubs

Canada's real estate market is shifting toward Alberta's secondary markets. Learn why Red Deer, Lethbridge, Medicine Hat, and Grande Prairie are attracting investors with lower entry costs, stronger c... ...more

Broker Blogs

June 15, 2026•4 min read

Are Home Values Dropping? Why the Latest National Housing Data Points Directly to Alberta

Canada’s latest CMHC Mortgage Consumer Survey shows homebuyers becoming more cautious, but Alberta continues to stand out as one of the country’s strongest real estate markets. With lower housing cost... ...more

Broker Blogs

June 01, 2026•3 min read

Alberta vs. The World: Why 2026 is the Year of the Move

Alberta is seeing a major 2026 migration shift as BC & Ontario residents move for affordability, strong job growth, and lower taxes. With rising demand in Calgary, Edmonton, and secondary markets, Alb... ...more

Broker Blogs

May 15, 2026•3 min read

Oil up. Rates up? Not always.

Oil no longer directly dictates Alberta mortgage rates. Instead it influences inflation and bond markets which then shape fixed and variable rates in different ways breaking the old link between oil a... ...more

Broker Blogs

April 27, 2026•4 min read

Stay Put or Move Up? Your Alberta Spring Renovation Guide

Many Alberta homeowners are choosing between moving or renovating as home equity continues to grow. This guide explains how a HELOC can help fund major upgrades—like secondary suites—so you can stay, ... ...more

Broker Blogs

April 15, 2026•2 min read

Global War Pressure and Alberta Mortgage Rates

Global conflict is driving energy volatility and pushing bond yields higher, impacting mortgage costs across Canada. While the Bank of Canada holds steady, Alberta remains a strategic destination for ... ...more

Broker Blogs

April 01, 2026•5 min read