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.
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.
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
- Statement of Affairs (1 page) (for commercial applications)
- Statement of Affairs (2 pages) (for commercial applications)
- Personal Mortgage Application (for those presently owning no properties) (for residential applications)
- Personal Mortgage Application (for those who presently own real estate) (for residential applications)
- Business Resume
- Personal Profile/Resume
- Concord's Service Agreement (Acting as an Intermediary)
- Business for Self Form
- Credit History Form
- SnapNOA
Free Guides
- 12 Tips on the Home Buying Process
- 11 Suggestions on How to Improve Credit and Make a Stronger Application
- 15 Things You Need to Know About Mortgage Default Insurance
Educational PDFs
- Mortgage Fees and A, B and C lenders
- I found a cheaper rate online!
- Is There a Difference Between Pre-approval & "Live" Rates?
Flyers/Advertisements
How To
Miscellaneous
In Office-Use Forms
- Lender's Personal Financial Statement
Disclaimers
We Want to Hear From You!
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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.
