Mortgages by Shannon Gervais - Indi Mortgage

Home
Canada
Calgary, AB
Mortgages by Shannon Gervais - Indi Mortgage

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Mortgages by Shannon Gervais - Indi Mortgage, Calgary, AB.

**Licensed Mortgage Associate ** Renewals **1st time Home Buyers **Purchase**Rental Properties**Refinance**Reverse Mortgage**Investment Properties** Mortgage Strategy, not just a Rate**

08/26/2026

Most people hear "mortgage broker" and think home purchase. But for entrepreneurs, business owners, and investors, our work often looks a little different.

We help clients navigate financing for:

✅ Retail, office, industrial, and mixed-use property purchases
✅ Refinancing commercial assets to unlock equity or improve cash flow
✅ Real estate-backed business expansion financing
✅ Apartment buildings and multi-unit residential (5+ units)
✅ Construction and development projects

Commercial deals aren't like residential ones. The structures are different, the lenders are different, and the qualifying criteria shift from deal to deal. That's exactly the kind of complexity an experienced broker is built to handle.

No two commercial scenarios look the same — so we don't treat them that way.

📩 Have a commercial deal in mind? Let's talk through what's possible.

08/20/2026

Ready to transform your current home into your dream space? 🏡

Refinancing your mortgage can be a smart way to access the funds needed for that major renovation you've been dreaming of!

By tapping into your home's equity, you could consolidate high-interest debt, fund significant improvements, and potentially even increase your property's value.

Let's explore how refinancing can help bring your renovation vision to life!

08/19/2026

🏡 The term of your mortgage is the specific length of time (e.g., 6 months, 1 year, 3 years, 5 years, or 10 years) that your current mortgage agreement, including your interest rate and conditions, is in effect.

It's not the full amortization period, but rather the period until you need to renew or renegotiate your mortgage!

You'll likely need multiple terms to repay your mortgage. If you pay the balance at the end of your term, you don't need to renew your mortgage.

Understanding your term helps you plan for future renewals and potential rate changes. Want to learn more? Let's chat!

08/18/2026

The Bank of Canada announces its next interest rate decision on Wednesday, September 2, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

08/17/2026

🇨🇦 Canada’s Inflation Rate Rises to 3.0%
Canada’s inflation rate moved higher in July, rising to 3.0% from 2.8% in June.
So, what does this mean for mortgages? 🏡
While a jump in inflation isn’t necessarily the news borrowers were hoping for, there’s a little more to the story. A significant part of the increase was driven by higher gasoline prices, while underlying measures of inflation remained much more stable.
For the Bank of Canada, this means inflation — and particularly whether these price pressures start spreading to other areas of the economy — will continue to be closely watched.
📅 The next Bank of Canada rate announcement is September 2.
If you have a mortgage coming up for renewal, are considering buying, or are wondering whether fixed or variable makes sense in the current market, this is a good time to review your options.
📲 Reach out anytime — I’m happy to take a look at your situation and help you understand what these numbers could mean for your mortgage.

08/16/2026

With the cost of living rising and financial pressures adding up, many homeowners are looking for ways to free up cash flow, consolidate debt, or access home equity for other projects.

A mortgage refinance could help you:

✅ Reduce high-interest debt through consolidation
✅ Unlock home equity for renovations or investments
✅ Improve cash flow by adjusting your mortgage terms

If you’re feeling the squeeze, let’s talk about smart solutions that can give you some breathing room. A quick conversation could open up new financial possibilities!

08/15/2026

When Traditional Lending Isn’t the Right Fit, Alternative Lending Might Be 🏡💡

Not every borrower meets the strict guidelines of traditional lenders. That's where alternative lending comes in - offering flexible solutions for those who need a different approach to financing.

We are seeing more homeowners and business owners turn to alternative lenders due to:

✅ Higher TDS (Total Debt Service) Ratios. If your debt levels exceed prime lender limits, alternative lending can provide solutions that better match your financial situation.

✅ Self-Employed or Small Business Income. Many business owners claim lower taxable income, making it harder to qualify with banks. Alternative lenders allow for a more flexible income review based on bank statements, business financials, and other supporting documents.

✅ Financing for Unique Situations. Whether you are purchasing, refinancing, or need access to equity, alternative lenders provide options that go beyond the traditional lending box.

If you have been turned down by a bank/prime lender, it doesn't mean your mortgage goals are out of reach. Let’s explore your options and find a solution that works for you!

08/14/2026

Separation is hard enough. Your mortgage shouldn’t make it harder.

If you're navigating divorce or separation, it's important to understand the options available early on (before finalizing your agreement - divorce/separation). A licensed mortgage agent (broker) can help you explore solutions like the Spousal Buyout Program, which may allow one partner to stay in the home by accessing up to 95% of its value.

This is more than just a financial decision, it’s about creating stability during a major life transition.

Reach out today to learn how we can provide support through the process, and help you move forward with confidence.

08/13/2026

We went with Shannon for my new mortgage. She was so wonderful, and always answering, seemed like round the clock. She takes care of her clients and does everything she can to help them!Will use her services again in the future if I need another mortgage!Chelsea

Address

Calgary, AB
T2H1Z3

Website

https://www.shannongervais.com/

Alerts

Be the first to know and let us send you an email when Mortgages by Shannon Gervais - Indi Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Featured

The Giordano Apartments
1403 26A Street Southwest
Terri Stephens Realtor CIR Realty
#144, 1935 32 Avenue NE