Blaire Borle Mortgage Team

In most cases, no. My compensation is typically paid by the lender once your mortgage funds. In some situations, such as private or alternative lending, there may be a brokerage fee. If a fee applies, it's always discussed upfront and fully disclosed so you can make an informed decision with no surprises.

Yes. I work with a broad network of lenders including major banks, credit unions, monoline lenders, and alternative options. This means I can shop the market on your behalf and recommend solutions that align with your goals, rather than being limited to one institution's products. You get options, clarity, and a strategy that fits both today and the road ahead.

A bank can only offer the products from that one institution. As an independent mortgage broker in Alberta, I compare multiple lenders and focus on finding the right structure, terms, and flexibility for your situation, not just the lowest advertised rate. My role is to advocate for you and help you choose a mortgage that supports your future plans, not just today's transaction.

The earlier, the better, ideally before you start house hunting or well ahead of your renewal date. Early planning gives us time to explore options, lock in rates, and build a smart strategy without the pressure of last-minute decisions.

Definitely. Self-employed and business-for-self clients are a big part of my practice. I understand how lenders view business income, write-offs, and different business structures, and I know how to position your application in a way that supports approval while keeping your long-term financial picture in mind.

Yes. Renewals are a key opportunity to review your overall mortgage strategy. I'll look at your current terms, potential penalties, and future goals to make sure your next mortgage isn't just a quick renewal, but a smart move that supports flexibility, savings, and your longer-term plans.

Yes. You don't need perfect credit to have options. I work with a wide range of lenders and can help explore solutions based on your current credit profile. If you're not quite ready today, I can also help outline a plan to strengthen your position over time, so you're set up for better options in the future.

Absolutely. Buying your first home can feel overwhelming, and my role is to guide you through the process step by step. I'll help you understand your budget, your mortgage options, and what to expect along the way so you can move forward with confidence and clarity.

The Bank of Canada's policy rate directly influences variable mortgage rates, which means your payment or the portion of your payment going toward interest can change as rates move. Fixed rates aren't set by the Bank of Canada directly, but are influenced by the bond market, which can move independently. I help clients understand how these factors impact their mortgage and how to choose a strategy that fits their comfort level and long-term plans.

Yes. Financing a rental or investment property is different than buying a primary residence. I help structure these purchases in a way that supports cash flow, long-term growth, and your future borrowing ability, so your real estate strategy stays sustainable as your portfolio grows.