Lacroix Mortgage Group

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Lacroix Mortgage Group Calgary Mortgage Broker & REALTOR®

Purchases • Refinancing • Renewals

Where You Matter.
🌐 lacroixmortgagegroup.com

Tim empowers his clients with his expertise & ensures his clients get the best mortgage solutions for their unique situation.

🏡 If home prices are coming down, why doesn't buying a home feel any cheaper?It's a fair question — and one we're hearin...
10/15/2026

🏡 If home prices are coming down, why doesn't buying a home feel any cheaper?

It's a fair question — and one we're hearing from homebuyers in Calgary and across Alberta.

The answer? Home prices are only one part of the affordability equation.

Even when property prices drop, your monthly mortgage payment and overall housing costs depend on several factors:

🏦 Mortgage interest rates
💰 Your down payment
📅 Your mortgage amortization
🏠 Property taxes, insurance & other housing costs
📊 Your income and existing debts

And while lower home prices can create opportunities for buyers, they don't automatically mean lower monthly payments.

That's why understanding your numbers BEFORE starting your home search is so important.

✅ Know what you can comfortably afford.
✅ Explore your mortgage options.
✅ Ask about rate holds while you're shopping.
✅ Build a plan that fits your budget and timeline.

A mortgage rate hold may help protect an available rate while you search for a home, subject to lender terms, approval and expiry dates.

👉 Swipe through the carousel to learn why affordability is about more than just the purchase price.

Thinking about buying a home in Calgary or the surrounding area? Our team is always happy to walk you through your options and help you understand what makes sense for your situation. No pressure, just a conversation.

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

Happy Thanksgiving, Canada! 🇨🇦🍂Today, we’re feeling especially grateful for the people who make life meaningful — our fa...
10/12/2026

Happy Thanksgiving, Canada! 🇨🇦🍂
Today, we’re feeling especially grateful for the people who make life meaningful — our families, our friends, our clients, our team, and the communities we’re luck

Thanksgiving is always a good reminder to slow down, appreciate the little things, and spend time with the people who matter most.

From Tim, Tracy, Violet, and all of us at Lacroix Mortgage Group, we hope your day is filled with good food, great company, and plenty to be thankful for. ❤️

Wishing you and your loved ones a very happy Canadian Thanksgiving!

Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

Today is World Mental Health Day. 💚Mental health touches every part of our lives — our families, our workplaces, our rel...
10/10/2026

Today is World Mental Health Day. 💚
Mental health touches every part of our lives — our families, our workplaces, our relationships, and our communities.

Sometimes looking after ourselves can be as simple as checking in, taking a break, reaching out to someone we trust, or giving ourselves permission to slow down when we need it.

And just as importantly, we can make a difference by checking in on the people around us.

A conversation, a little patience, or simply letting someone know they’re not alone can mean more than we realize.

Today is a good reminder to lead with kindness, make space for open conversations, and continue building communities where people feel supported.

Be kind. Check in. Reach out. You matter. ❤️

Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

Real estate is about so much more than buying or selling a house. 🏡Behind every move is a new chapter — a growing family...
10/08/2026

Real estate is about so much more than buying or selling a house. 🏡
Behind every move is a new chapter — a growing family, a fresh start, a new opportunity, or simply finding a place that feels more like home.

That’s why the people behind the transaction matter just as much as the property itself.

The Burton Home Team is here to make the process feel clear, supported, and a little less overwhelming from start to finish.

If you’re thinking about making a move in Calgary or the surrounding area, our team is always happy to answer questions and help you understand your options.

Tim Lacroix | Burton Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 burtonhometeam.com
🌐 timlacroix.com

🍎 Today is World Teachers’ Day — a chance to recognize the incredible teachers who make a difference in our children’s l...
10/05/2026

🍎 Today is World Teachers’ Day — a chance to recognize the incredible teachers who make a difference in our children’s lives every single day.

Thank you for your patience, your dedication, and the countless ways you encourage, support, and inspire your students.

The work you do reaches far beyond the classroom. It impacts children, families, and entire communities — and we’re grateful for everything you do. ❤️

Happy World Teachers’ Day from all of us at Lacroix Mortgage Group!

Lacroix Mortgage Group
Mortgage Connection
📱 403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com

🏡 What happened in the Calgary real estate market in September? Overall, sales held relatively steady compared with Augu...
10/02/2026

🏡 What happened in the Calgary real estate market in September? Overall, sales held relatively steady compared with August, but the bigger story is how much conditions vary depending on the type of home you’re looking at.

Calgary recorded 1,650 home sales in September — similar to August and nearly 4% below September 2025. New listings increased from August, while overall months of supply remained just under four months.

Here’s where the differences really show:

🏠 DETACHED HOMES
Detached sales strengthened in September, with 896 homes sold. Overall conditions remained relatively balanced, although supply varies significantly depending on the area of Calgary.

🏘️ SEMI-DETACHED HOMES
Conditions have shifted from the tighter market seen earlier this year, with months of supply moving closer to four months.

🏘️ ROW HOMES
Higher inventory is giving buyers more choice and putting more pressure on prices, with the September benchmark price down compared with last year

🏢 APARTMENT CONDOS
Higher supply continues to give condo buyers more selection, while elevated inventory has continued to weigh on prices.

The takeaway? There isn’t one single “Calgary market.”

Conditions can look very different depending on the property type, price range and part of the city — which is why the numbers that matter most are the ones specific to the home you’re buying or selling.

If you’re thinking about buying or selling and want to understand what the current market looks like for your specific situation, I’m always happy to chat.

Source: CREB® September 2026 Housing Market Report

Tim Lacroix | Burton Home Team
RE/MAX Realty Professionals
📱 587-609-5715
📧 [email protected]
🌐 burtonhometeam.com
🌐 timlacroix.com

🍷🍺 The Mahogany Good Libations Festival is back — and this year, they’re bringing the b**r too! Join 5 Vines, in partner...
10/01/2026

🍷🍺 The Mahogany Good Libations Festival is back — and this year, they’re bringing the b**r too! Join 5 Vines, in partnership with Burton Home Team and Mahogany HOA for an evening of great drinks, local food, and community at Mahogany Beach Club.

Here’s what’s happening:

✨ 40+ wines & craft b**rs to taste
🧀 Delicious bites from local food partners Soffritto Calgary and The Pie Ju**ie
🤝 A chance to sip, discover, connect, and support local businesses

📅 Friday, October 16, 2026
🕖 7:00 PM – 9:30 PM
📍 Beach Club Mahogany
29 Masters Park SE, Calgary

We’re proud to support another great community event in Mahogany. 🏡

Grab some friends and come discover a few new favourites!

🎟️ Purchase tickets here:
https://mahogany.5vines.com/products/5313728-2026-mahogany-good-libations-festival

Tim Lacroix | Burton Home Team
RE/MAX Realty Professionals
📱 587-609-5715
📧 [email protected]
🌐 burtonhometeam.com
🌐 timlacroix.com

09/29/2026

🏡🔑 Possession day congratulations to Ben! There’s always something special about possession day — seeing the search, paperwork, and planning finally turn into keys in hand.

I’m grateful for the opportunity to help you through the home-buying process and to be your trusted Calgary REALTOR® along the way.

Congratulations again, Ben! Wishing you many happy memories in your new home.

If you’re looking to purchase a home in Calgary or surrounding areas, I’d be happy to help you through the process.

Tim Lacroix | Burton Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 burtonhometeam.com
🌐 timlacroix.com


Why are fixed mortgage rates moving higher? One of the biggest things to watch is Canada’s 5-year Government bond yield....
09/24/2026

Why are fixed mortgage rates moving higher? One of the biggest things to watch is Canada’s 5-year Government bond yield.

Fixed mortgage rates aren’t set directly by the Bank of Canada. Instead, 5-year fixed mortgage pricing is closely influenced by the 5-year bond market.

And bond yields have moved noticeably higher over the past few months.

📈 June 24: 2.99%

📈 Recent peak: 3.65%

📈 September 22: 3.54%

Why does that matter?

Lenders generally price fixed mortgages at a spread above Government of Canada bond yields.

As a simple illustration:

~3.5%–3.7% bond yield
•⁠ ⁠~1.2%–1.5% lender pricing spread
= approximately 4.7%–5.2% fixed-rate pricing territory

That doesn’t mean every borrower will receive a rate in that range. Actual mortgage rates vary depending on the lender, mortgage type, term, property, borrower profile and overall market conditions.

But it does show why higher bond yields are putting upward pressure on fixed mortgage rates right now.

If you’re:

🏡 Buying a home soon
🔄 Renewing in the next 4 months
💰 Considering refinancing
📄 Already pre-approved or holding a rate

…it may be worth reviewing your options before anything changes.

The goal isn’t to panic over rate movements — it’s to understand what’s happening and have a strategy in place.

Renewing, refinancing or buying in the next few months? Reach out and our team can help you review your options.

This is general information only and isn’t financial, legal, or tax advice. Rates shown are illustrative only and are not quoted or guaranteed mortgage rates.

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com


Thank you so much, Jake, for this kind review and for trusting me with both the real estate and mortgage sides of your f...
09/23/2026

Thank you so much, Jake, for this kind review and for trusting me with both the real estate and mortgage sides of your first home purchase. I’m truly grateful and so happy I could help make the process feel clear and supported from start to finish. 🙌

Buying your first home can feel like a lot — especially when the process is new and unfamiliar. 🏡

If you're looking to buy your first home in Calgary and want your REALTOR® and Mortgage Broker working together from the start, I’d be happy help!

Tim Lacroix | Burton Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 burtonhometeam.com
🌐 timlacroix.com

Tim Lacroix | Lacroix Mortgage Group
Mortgage Connection
📱403-648-1541
📧 [email protected]
🌐 lacroixmortgagegroup.com


Address

501/10333 Southport Road SW
Calgary, AB
T2W3X6

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+14036481541

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