Specialty mortgages

The files that do not fit a standard box: separations, bridge timing, recreational property and commercial deals.

Every specialty mortgages page

Separation, downsizing, and later life.

Keeping the house in a separation, using the spousal buyout program.

How reverse mortgages work in Alberta, honestly, including the downsides.

When the dates do not line up.

Covering the gap when your purchase closes before your sale.

Carrying your rate to a new home, and the traps in the timing.

Whether switching actually beats staying, decided on numbers.

Recreational and seasonal property, including season-limited and remote.

Business premises and buildings that are not just homes.

What a broker does on a commercial deal, and how it differs from residential.

Deal types and debt service coverage underwriting.

Buying the premises your own business operates from.

Residential over commercial, and why it falls between two lending worlds.

Describe the situation and Chad will tell you straight if it is workable.