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Contact Us Now
Innovative Mortgage Solutions
  • Our Team
    • The Innovative Difference
    • Mortgage Education
      • Why Use A Mortgage Broker
      • Home Buying Process
      • Mortgage Insurance/CMHC
      • Required Documentation
      • Fixed vs Variable Rates
      • Closing Costs
      • Payment Frequency
      • Mortgage Glossary
    • Services
      • Pre-approvals
      • Purchases
      • Purchase Plus Improvements
      • Refinancing
      • Renewals
      • Rental/Investment Properties
      • Debt Consolidation
    • Blog
    • FAQ
    • Join Our Team
  • Testimonials
  • Mortgage Calculators
    • Mortgage Affordability Calculator
    • Mortgage Payment Calculator
    • Refinance / Renewal Calculator
    • Amortization Calculator
  • Interest Rates
  • Contact
  • Apply for a Mortgage
  • Our Team
    • The Innovative Difference
    • Mortgage Education
      • Why Use A Mortgage Broker
      • Home Buying Process
      • Mortgage Insurance/CMHC
      • Required Documentation
      • Fixed vs Variable Rates
      • Closing Costs
      • Payment Frequency
      • Mortgage Glossary
    • Services
      • Pre-approvals
      • Purchases
      • Purchase Plus Improvements
      • Refinancing
      • Renewals
      • Rental/Investment Properties
      • Debt Consolidation
    • Blog
    • FAQ
    • Join Our Team
  • Testimonials
  • Mortgage Calculators
    • Mortgage Affordability Calculator
    • Mortgage Payment Calculator
    • Refinance / Renewal Calculator
    • Amortization Calculator
  • Interest Rates
  • Contact
  • Apply for a Mortgage
  • Interest Rates

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  • Our Team
    • Michael Wharmby: Mortgage Broker
    • Kris Crawford: Mortgage Broker
    • Steven Gross: Mortgage Broker
    • Scott Bamber: Mortgage Broker
    • Melissa Blythe: Mortgage Broker - Internal Underwriter
    • Derek Sparrow: Mortgage Broker
    • Greg Robinson: Mortgage Broker
    • Susan Bendle: Brokerage Assistant (Unlicensed)
    • Anthony Land: Brokerage Assistant (Unlicensed)
    • Donna Rommel: Brokerage Assistant (Unlicensed)
    • Candice Fox: Office Manager
    • Krystle Caldwell: Marketing Manager
    • Crystal Bouchard: Customer Relationship Specialist
    • Fatima Bandali: Customer Relationship Specialist
    • The Innovative Difference
    • Mortgage Education
      • Why Use A Mortgage Broker
      • Home Buying Process
      • Mortgage Insurance/CMHC
      • Required Documentation
      • Fixed vs Variable Rates
      • Closing Costs
      • Payment Frequency
      • Mortgage Glossary
    • Services
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      • Refinancing
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      • General
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      • Why use a Mortgage Broker?
      • Edmonton Hit’s the Spotlight
      • The Fine Print on Bank of Montreal’s Low Mortgage Rate
      • Home Warranty Smarts
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      • New Year Forcast - 2015
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      • House Market Update
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      • Pre-Approvals and Pre-Qualifications – Are They the Same?
      • Price Ranges for Canadian Homes
      • FAQ: How to Obtain a Lower Mortgage Rate
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      • Spring has Sprung - Mortgage Forecast
      • Get to Know Us Series - Paulette
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      • Announcing the IMS Get to Know us Series
      • Refinancing - How it Could Save You Thousands in The Long Run
      • Closing Costs - What to Expect
      • FAQ: What are the Advantages of Using a Mortgage Broker?
      • Fixed vs. Variable Interest Rates
      • Finalizing Your Mortgage
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      • Get to Know Us Series - Mike
      • Get to Know Us Series - DeeDee
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      • Top 5 Tips for Buying your First Home
      • Client Story Thursday
      • Community BBQ in the Park - Hosted by Innovative Mortgage Solutions
      • Client Story Thursday
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      • Changes to Canada’s Mortgage Rules - How will you be Affected?
      • Client Story Thursday
      • CMHC Premiums to Increase Effective March 2017
      • Client Story Thursday
      • Client Story Thursday
      • Why We Don’t Advertise the Lowest Interest Rates
      • Client Story Thursday
      • New Stress Test for Uninsured Mortgages
      • Client Story Thursday
      • Client Story Thursday
      • House Hunting with A Pre-Approval
      • Five Tips For Buying A House This Summer
      • Self-Employed and Applying for A Mortgage? Great News!
      • Mortgage Tips For First Time Home Buyers
      • Summer BBQ Tips
      • Mortgage Myths vs. Mortgage Facts
      • Mortgage Renewals - Breaking It Down
      • Benefits of Autumn Home Improvements
      • Understanding the Bank of Canada
      • When Alternative Lending Makes Sense
      • Credit Score Myths
      • Improving Your Credit Score
      • What You Should Know About Mortgage Insurance
      • What Lenders Look for in a Mortgage Application
      • FAQ: What Documentation will your Lender Need?
      • How Tax Season Affects Self-Employed and Commission-Based Individuals
      • How Do Mortgage Brokers Work?
      • Federal Budget: Incentives for First-time Home Buyers
      • Understanding your Condition of Financing Date
      • How Maternity Leave Affects Your Mortgage Application
      • What does the Inverted Yield Curve mean for Mortgages?
      • What Will My Minimum Down Payment Be?
      • How Can Refinancing Help Me?
      • What is Bridge Financing?
      • Difference between an Appraisal and a Home Inspection
      • Payment Frequency: How to Become Mortgage-Free Sooner
      • Removing a Co-Signer from your Mortgage
      • Innovative Meets ATB
      • How do Property Taxes affect my Mortgage?
      • What’s the difference between an NOA, T4 and T1 General?
      • Federal First-time Homebuyer Incentive
      • New-to-Canada Mortgages
      • Mortgage Terms Every Homebuyer Should Know
      • How Much Will My Closing Costs Be?
      • How Does Rent-to-Own Work?
      • Finding Our Why
      • What is a Collateral Charge Mortgage?
      • Can I Add Renovations to my Mortgage?
      • The New First-time Homebuyers Incentive: When does it work for you?
      • When can I use FCT instead of a Lawyer for my Mortgage?
      • Selling your Home as a Down Payment for a New Home
      • New Mortgage Stress Test Rules
      • COVID-19: A Complete List of Resources
      • COVID-19: Support for Small Businesses
      • COVID-19: Bank of Canada and Mortgage Updates
      • COVID-19: New Measures for Small Businesses - March 27, 2020
      • Do we only do ATB Mortgages?
      • What does a Mortgage Broker do?
      • Three Reasons to talk to your Broker before signing your Mortgage Renewal
      • Why does my broker need so many documents?
      • Bank of Canada Lowers Overnight Lending Rate
      • Bank of Canada Rate Announcement
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      • Bank of Canada Recent Announcement
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      • Bank of Canada Announcement - October 19, 2016
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      • Bank of Canada Announcement - January 18, 2017
      • Bank of Canada Announcement - March 1, 2017
      • Bank of Canada Announcement - April 12, 2017
      • Bank of Canada Announcement - May 24, 2017
      • Bank of Canada Announcement - July 12, 2017
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      • Bank of Canada Announcement - October 25, 2017
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      • Bank of Canada Announcement - May 30, 2018
      • Bank of Canada Announcement - July 11th, 2018
      • Bank of Canada Announcement - September 5th, 2018
      • Bank of Canada Announcement - October 24, 2018
      • Bank of Canada Announcement - December 5, 2018
      • Bank of Canada Announcement - January 9, 2019
      • Bank of Canada Rate Announcement - March 6, 2019
      • Bank of Canada Rate Announcement - April 24, 2019
      • Rate Announcement - Bank of Canada May 29, 2019
      • Bank of Canada Announcement - July 10, 2019
      • Bank of Canada Announcement - September 4, 2019
      • Bank of Canada Announcement - October 30, 2019
      • Bank of Canada Announcement - December 4, 2019
      • Bank of Canada Announcement - January 22, 2020
      • Bank of Canada Announcement - March 4, 2020
      • Bank of Canada Announcement - April 15, 2020
      • Bank of Canada Announcement: The Impact of COVID-19
      • Bank of Canada Announcement: How COVID-19 continues to Impact the Economy
      • Bank of Canada Announcement: The Reopening Phase for Canada
      • Bank of Canada Announcement: October 28, 2020
      • Bank of Canada Announcement - December 9, 2020
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Recent Posts

Mortgage Documents Graphic
Why does my broker need so many documents?
Why does my broker need so many documents?December 14th, 2020
Bank of Canada
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Bank of Canada Announcement - December 9, 2020December 9th, 2020
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Three Reasons to talk to your Broker before signing your Mortgage RenewalNovember 10th, 2020
Innovative Mortgage Solutions

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