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Navigating Mortgage Renewals at Every Milestone in Life

Whether you're starting a family, moving up the property ladder, or preparing for retirement, your mortgage renewal presents a valuable opportunity to restructure your finances and realign with your goals. At the Angela Calla Mortgage Team, we help Canadians across all walks of life turn this milestone into a moment of empowerment.


Here’s how mortgage renewals can make a powerful impact at every stage of life:


Retiring with Confidence: Lorne’s Story


At age 64 and living on a low income, Lorne was under financial pressure and seriously considered selling his home. After receiving poor service and long delays from his bank. A common concern among Canadians nearing retirement: rising debt and a fixed income. With a $50,000 line of credit weighing heavily and unresponsive banks giving him the runaround, he nearly gave up on his home. That’s when a friend recommended the Angela Calla Mortgage team.


Lorne now saves $3,000 every month without having to sell or move. This restructuring not only allowed him to stay in his home but also freed up funds to complete much-needed renovations, giving him stability and peace of mind as he approaches retirement.


Growing Families: Jackie’s Upgrade


Jackie and her husband were raising two kids in a two-bedroom condo and dreamed of more space without leaving their beloved Port Moody community. With guidance from the Angela Calla Mortgage team, they successfully upgraded to a townhouse close to family and familiar surroundings. Along the way, Angela’s team introduced Jackie to proactive mortgage strategies, which she hadn’t considered before. 


This empowered her to pay down their mortgage faster, improve their financial position, and ultimately gain the flexibility and affordability needed to move up the property ladder with confidence.


Young Families Planning Ahead: Brittany & Darren


Brittany and her partner Darren, a firefighter, first connected with Angela Calla Mortgage Team, saving $680 a month through a strategic mortgage restructuring. 


As their family grew and they welcomed a new baby, they returned for a second restructuring. This time, they saved an impressive $1,400 per month by consolidating outside debt into their mortgage. Despite the challenges of self-employment, Brittany described the entire process as seamless and stress-free. With their improved cash flow, the couple is now planning to invest in a rental property, building long-term financial stability for their growing family.


New to Canada: First-Time Home Buyers


As a first-time homebuyer and new to Canada with no family support and growing concerns about inflation and economic uncertainty, this client turned to Angela Calla Mortgage Team after being referred through a local Facebook community group. With clear, compassionate guidance throughout the process, the team helped them navigate the complexities of securing a mortgage and successfully purchase their first home for under $400,000 in the Tri-Cities. The experience gave them not only homeownership but also a sense of financial security and belonging in their new country.


Why Mortgage Renewals Matter


Your mortgage renewal is more than just checking a box—it’s a chance to:

  • Consolidate high-interest debts

  • Free up monthly cash flow

  • Plan for renovations or retirement

  • Move up the property ladder

  • Improve your credit or pay off your home faster


Let’s Build Your Mortgage Strategy


Are you renewing soon? Or wondering if you can qualify for a better plan today—even before renewal? Don’t wait. Let’s see what we can save you.


Reach out to Angela Calla Mortgage Team at callateam@countoncalla.ca or call us at 604-802-3983 to book a consultation. 


More information, visit Angelacalla.ca  


Your mortgage should work as hard as you do at every stage of life.


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Debt consolidation into a mortgage can save up to $3,000 per month


Angela Calla is a mortgage renewal and debt elimination expert with over 20 years of industry experience. She is also a multi-award-winning mortgage professional. Since beginning as a mortgage broker in 2004, Angela has helped thousands of Canadians optimize their mortgage strategies, eliminate debt, and build wealth through real estate.


She is the best-selling author of The Mortgage Code, which equips readers with the tools to make informed financial decisions. Additionally, she is the host of Canada’s longest-running finance radio show on CKNW, where she simplifies mortgage advice and empowers listeners to take control of their financial futures.


Angela has been recognized as Business Leader of the Year (2020) by the Tri-Cities Chamber of Commerce and Entrepreneur of the Year (2019) by the City of Port Coquitlam. She is also a sought-after speaker and educator, delivering accredited training for real estate boards across Greater Vancouver.

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