Welcome to Concord's Resource Page

Concord Mortgage Group Ltd. is here to help you find financial solutions for your personal or business finances in Calgary. Use the resources on this page to help you learn more about your mortgage and credit card rates and payments. Great care has been taken in the preparation of these resources. Please consider bookmarking this page for future reference. We strive to consistently update our resource page.

Mortgage Calculator

Mortgages in Canada are often calculated differently, so make sure you use an appropriate Canadian mortgage calculator. This is a spreadsheet, which is very easy to use, and will show you how much you are paying in interest/principal, with each payment.

MORTGAGE CALCULATOR

Credit Card Calculator

It is very common for many borrowers to consolidate their credit cards into a mortgage. Credit cards, if used improperly, can be onerous. Take a look at this simple calculator, to see how long it will take you to pay off your cards.

CREDIT CARD CALCULATOR

Credit Card History Timeline

Where did credit cards come from? Download this timeline, which illustrates some pivotal moments in credit card history.

HISTORY OF CREDIT CARDS

Average Mortgage Rate Calculator

Have you ever wondered why someone would take a 2nd mortgage at 10%? This calculator will quickly compute the average interest rate between two mortgages.

It is very common for people (at various stages in life) to no longer be eligible for conventional financing, even with their existing mortgage lenders. It is often cheaper to pay 10% on a small second mortgage, rather than "break" the first mortgage, and pay the penalty, just to increase it by a small amount; and/or simply pay it out entirely, and get a higher rate on the whole amount.

Note: Make sure you input the same type of mortgage rates, i.e. if you are debating taking a 2nd mortgage at 10% (calculated monthly), and a first mortgage of 3% (calculated semi-annually), convert them both to the same, so you are comparing "apples to apples".

Sample Documents

Job Letter
Condo Documents List (for new buildings)
Condo Documents List (for existing buildings)
Lawyer Trust/Disbursement Statement Template
T4
T1-General (first 3 pages) (Highlighted Version)
NOA (Notice of Assessment)
Registration Statement (for Alberta Businesses)
Articles of Incorporation
Certificate of Incorporation
Annual Return
Corporation Search
Note: Above sample documents provided as a courtesy, some document formats may have changed since uploading. No copyright infringement intended.

Forms

Free Guides

Educational PDFs

Flyers/Advertisements

How To

Printing TD Statements

Miscellaneous

Data / Statistics

Rate Chart (High-Ratio (< 20% down payment) Purchase Rates) - 2022 (August) to 2024 (April)

Lender's Personal Financial Statement
Break-Even Analysis (How to)

In Office-Use Forms

Disclaimers

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Disclaimer: Although great care has been taken in the preparation of the above, Concord Mortgage Group Ltd. does not accept any liability for these resources. Concord also does not guarantee the accuracy of the math/data used and/or displayed in these resources.