Lacroix Mortgage Group

06/09/2026

Last weekend’s Parade of Garage Sales was a success, and we loved seeing neighbours out connecting, shopping local, and supporting one another across SE Calgary.

A big thank you to everyone who registered, stopped by, shared the event, and helped make the day such a positive community experience.

Proud to support events like this alongside Burton Home Team and our local community partners.

Tim Lacroix | REALTOR®
BURTON Home Team
RE/MAX Realty Professionals
📱587-609-5715
📧 [email protected]
🌐 timlacroixrealtor.com

“Supporting our community isn’t just part of our business—it’s at the heart of who we are.”

We believe strong communities are built through connection, support, and neighbors helping neighbors. That’s why we’re excited to be part of this Saturday’s Parade of Garage Sales!

Whether you’re searching for hidden treasures, meeting new people, or simply enjoying a day out in the neighborhood, this community-wide event is a wonderful way to support local families and bring our community together.

Grab your friends, map out your route, and join us this Saturday for a day of great finds and community spirit. We can’t wait to see you there!

06/09/2026

Think fixed mortgage rates only move when the Bank of Canada makes an announcement? 🇨🇦

Not quite.

In Canada, fixed mortgage rates are often influenced by the Canadian 5-year bond yield.

That means fixed rates can move even when the Bank of Canada does not change its overnight rate.

Here’s the simple version:

📌 Variable rates are more closely connected to the Bank of Canada policy rate.

📌 Fixed rates are more closely connected to bond yields.

📌 Bond yields can move because of things like inflation, jobs data, economic growth, and global markets.

So when people say, “The Bank of Canada didn’t change rates, why did fixed rates move?” — this is usually why.

This matters if you are:

✔️ Buying a home
✔️ Renewing your mortgage
✔️ Refinancing
✔️ Comparing fixed vs. variable
✔️ Trying to understand where mortgage rates may be heading

A common mistake we help clients avoid is only watching Bank of Canada announcements and missing the bigger picture.

Your mortgage plan should look at your budget, timeline, risk comfort, and what is happening in the rate market.

STAY TUNED FOR THE NEXT BANK OF CANADA RATE ANNOUNCEMENT on WED. JUNE 10, 2026

📩 Have questions about fixed vs. variable or an upcoming renewal? Send us a message and we can talk it through.

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

06/08/2026

Read our Mortgage Refinancing Guide 👇
https://lacroixmortgagegroup.com/resources/mortgage-refinancing-guide-alberta

🏡 Thinking about refinancing your mortgage in Alberta?

Refinancing could help you:
✔ Lower monthly payments
✔ Consolidate debt
✔ Access home equity
✔ Fund home renovations

But refinancing is not one-size-fits-all.

Before making changes to your mortgage, it’s important to understand:
• possible penalties
• fees involved
• your home equity
• your long-term financial goals

Many Alberta homeowners refinance to create more breathing room in their monthly budget 💰

If you’re feeling stretched by debt or rising costs, refinancing may be worth exploring.

Have questions about your mortgage options? Send us a message anytime.

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

Send a message to learn more

06/08/2026

We’re grateful to share some special news 🎉

Tim Lacroix has been ranked #52 on Canadian Mortgage Professional 2026 Top 75 Mortgage Brokers in Canada and was also recognized in the Top 20 Small Markets category.

This is a meaningful honour for our team, but more than anything, it is a reflection of the people who trust us.

To our clients, referral partners, friends, family, and community — thank you.

Every mortgage file has a story behind it.

A first home.
A renewal strategy.
A refinance to create breathing room.
A move-up purchase.
A family starting over.
A self-employed client needing the right lender fit.

We never take that trust lightly.

Our goal has always been simple: provide clear advice, practical options, and steady guidance so people can make confident mortgage decisions.

Recognition like this is appreciated, but the real reward is helping people move forward with a plan that fits their life.

Thank you for being part of the Lacroix Mortgage Group journey. We’re honoured to keep serving our clients across Alberta and beyond.

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

06/06/2026

A little reminder today: Small kindness still counts 👇

A quick text.
Holding the door.
Checking in on someone.
Bringing coffee.
Letting someone merge in traffic.

None of it has to be complicated to matter.

What’s one small act of kindness you appreciated recently?

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

06/06/2026

We help Calgary buyers and sellers succeed with expert guidance, advanced marketing, and 20+ years of experience.

06/05/2026

Worried about what to say to a mortgage broker? Here’s the truth:

You do not need a perfect story.
You just need an honest one. 🤝

A common mistake we help clients avoid is trying to “clean up” the details before talking to us.

But your credit, income, debt, timeline, and payment comfort all help us understand the full picture.

The more accurate the information, the better we can explain your mortgage options.

For example:

❌ “My credit is perfect.”
✅ “I’ve had a couple of late payments — will that be a problem?”

❌ “I make about $X… I think.”
✅ “Here are my pay stubs / income documents. Can you walk me through what counts as income?”

❌ “I don’t have any debt.”
✅ “I have a car loan and credit cards. How will that affect my approval?”

❌ “I’ll take whatever you recommend.”
✅ “Here’s my timeline and comfort level with payments. What options fit that?”

We’re not here to judge.
We’re here to help you build a mortgage strategy that fits real life.

Whether you’re buying a home, refinancing, renewing your mortgage, consolidating debt, or just trying to understand your next step, an honest conversation is a great place to start.

💬 Not sure if your situation is “good enough” to talk to a mortgage broker?

Send us a message. We’ll review your details privately and walk you through your options.

If your mortgage renews in the next 4–6 months, our team would be happy to assist and discuss your renewal options too.

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

06/03/2026

Got an extra $400/month and not sure what to do with it? 🤔 Should you put it on your mortgage or invest it?

This is a common question, and the answer depends on your goals.

In this example, we used:

$450,000 mortgage
4.24% interest rate
25-year amortization
$400/month extra
20-year comparison
Option A: Put the extra money on the mortgage

This can help you:

✅ Pay down more principal
✅ Save money on interest
✅ Become mortgage-free sooner
✅ Feel better having less debt

Option B: Invest the extra money

This can help you:

✅ Build long-term savings
✅ Grow your money over time
✅ Keep more flexibility
✅ Work toward other goals too

In this example, the math may favour investing over time.

But numbers are only part of the story.

For some people, paying down the mortgage feels better because it brings peace of mind.
For others, investing makes more sense because they want long-term growth.
And for many people, the best answer is a mix of both.

A common mistake we help people avoid is thinking there is only one “right” answer.

The better question is:
What fits your life, comfort level, and goals right now?

If you want help reviewing your mortgage strategy, our team can walk through the numbers with you and help you compare your options.

📩 Send us a message if you’d like to chat.

Example only. Investment returns are not guaranteed. General information only; not financial, legal, or tax advice. Speak with a licensed professional about your situation.

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

06/03/2026

A mortgage conversation shouldn’t feel overwhelming, rushed, or filled with jargon.

Whether you’re buying your first home, renewing, refinancing, or just exploring options, our goal is simple:

👉 Help you understand what makes sense for your situation.

That means honest conversations, clear explanations, and walking through the options without pressure.

A common thing we hear from clients is:
“I finally feel like I understand how this works.”

And honestly, that’s how it should be.

If you’ve been putting off asking questions because the process feels intimidating, you’re not alone — and you don’t need to have everything figured out before reaching out.

We’re always happy to start with a conversation.

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