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Did you know that 60% of borrowers break their mortgages within the first five years, often facing steep penalties that dwarf any rate savings? In this eye-opening episode, mortgage expert Rahim Virani shares crucial insights for first-time homebuyers, drawing from a decade of experience in the field.

Discover why seemingly simple decisions like choosing between fixed and variable rates can have profound implications on your financial future. Rahim challenges conventional wisdom by revealing how banks profit more from penalties than interest rates, and why life changes should influence your mortgage choices.

Key takeaways:

• The hidden costs of breaking fixed mortgages
• Why credit score management matters
• The impact of major purchases before closing
• Strategic debt consolidation approaches
• The importance of long-term financial planning

Before you make one of life's biggest financial decisions, tune into this essential episode that could save you thousands in unexpected penalties and help you navigate the complex world of mortgages with confidence.

🎧 Listen now to arm yourself with the knowledge you need for your homebuying journey.

Here is Rahim's contact info:

Rahim Virani
Senior Mortgage Planner
MortgageLine
Powered by Mortgage Architects

Phone: 403.471.3552
E-mail: rahim@rahimvirani.ca
Web: www.rahimvirani.ca

Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
DM me on Instagram @CalgaryLifestyleguide

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Send us a text

Calgary Rental Guide: How to rent a property in Calgary (how to rent an apartment, a house, etc) and how to do it easily and stress-free. Find out what your rental costs will be, what NOT to write in your application, what to write and all the other things you need to know to make sure your rental application stands out from the rest!

▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/how-to-find-a-rental-in-calgary-how-to-rent-an-apartment-a-house-in-calgary/

━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━
Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber.

Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com

━━━━━━━━━▼ LET'S CONNECT▼━━━━━━━━━
FREE "Calgary Fun Weekly Events in Your Inbox" here: http://bit.ly/yyceventslist
My blog: https://calgarylifestyleguide.com
Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/
Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide
Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide

━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━
https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1

#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
DM me on Instagram @CalgaryLifestyleguide

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Send us a text

8 Tips on how to choose a Calgary community/neighbourhood when moving to Calgary from a local Calgary Real Estate Agent/Calgary Realtor and YYC Lifestyle Blogger and YouTuber - Anastasia Dvorak.

📌 Check out my article this video is based on: https://calgarylifestyleguide.com/how-to-choose-a-calgary-community-calgary-relocation-service-best-neighbourhood-moving-to-calgary/

📌 Links I mentioned in the video:
Calgary Transit: https://www.calgarytransit.com/
All about Calgary Schools: https://urdumom.com/2017/01/schools-in-calgary/
Compare Calgary Schools: https://www.compareschoolrankings.org/
Find your Calgary Inner City Home (infills) here: https://calgaryinfillsguide.com/ \

▼ ABOUT THIS CHANNEL▼━━━━━━━━━
Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber.

Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com

━━━━━━━━━▼ LET'S CONNECT▼━━━━━━━━━
FREE "Calgary Fun Weekly Events in Your Inbox" here: http://bit.ly/yyceventslist
My blog: https://calgarylifestyleguide.com
Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/
Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide
Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide

━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━
https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1

━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━
Music by: LAKEY INSPIRED
Track Name: "Golden Hour"
https://soundcloud.com/lakeyinspired
Creative Commons License - Attribution 3.0 Unported - CC BY-SA 3.0.
https://creativecommons.org/licenses/by-sa/3.0/legalcode

#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent

THANK YOU FOR WATCHING, COMMENTING & SUBSCRIBING!♥

Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
DM me on Instagram @CalgaryLifestyleguide

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Send us a text

The Most Complete Guide on Credit Scores in Canada | Getting a mortgage? Do late payments affect your credit? How to build your credit? Learn about it all here.

▶️ Read the full blog post on this topic on my blog: https://calgarylifestyleguide.com/the-best-credit-score-guide-for-canada-how-to-get-a-good-credit-score/

Links Mentioned in the video:
https://www.creditkarma.ca/
https://borrowell.com/
https://www.equifax.com/personal/
https://www.transunion.ca/

━━━━━━━━━▼ ABOUT THIS CHANNEL▼━━━━━━━━━
Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber.

Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com

━━━━━━━━━▼ LET'S CONNECT▼━━━━━━━━━
FREE "Calgary Fun Weekly Events in Your Inbox" here: http://bit.ly/yyceventslist
My blog: https://calgarylifestyleguide.com
Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/
Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide
Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide

━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━
https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1

━━━━━━━━━▼ MUSIC CREDIT▼━━━━━━━━━
Ocean by KV https://youtube.com/c/KVmusicprod
Creative Commons - Attribution 3.0 Unported - CC BY 3.0
Free Download / Stream: http://bit.ly/2OCvpHU
Music promoted by Audio Library https://youtu.be/a8ctDtA7OK8

#CalgaryRealtor #MovingtoCalgary #CalgaryRealEstateAgent

THANK YOU FOR WATCHING, COMMENTING & SUBSCRIBING!♥

Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
DM me on Instagram @CalgaryLifestyleguide

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Send us a text

Everything you MUST know before buying your first house in Calgary, Alberta, Canada. Learn all the First-Time Home Buyer Tips and Advice here.

▶️ Read the full blog post on this topic on my blog + use the Mortgage Calculator: https://calgarylifestyleguide.com/8-things-you-must-have-before-buying-your-first-home-in-calgary-alberta-canada/

━━━━━━━━━▼ ABOUT THIS PODCAST▼━━━━━━━━━
Hi! I am Anastasia. I am your Calgary Lifestyle Guide. This podcast is all about down-to-earth advice on moving to Calgary, living in Calgary, and buying/selling properties in Calgary. I am a local Real Estate Agent/Calgary Realtor with CIR REALTY and YYC Lifestyle Blogger and YouTuber.

Besides being a Calgary Realtor who loves her job, I write and vlog about the best of real estate, lifestyle, food, drink, culture, travel, and things to do in YYC! Thank you so much for visiting! Check out my blog: https://calgarylifestyleguide.com

━━━━━━━━━▼ LET'S CONNECT▼━━━━━━━━━
FREE "Calgary Fun Weekly Events in Your Inbox" here: http://bit.ly/yyceventslist
My blog: https://calgarylifestyleguide.com
Instagram: @CalgaryLifestyleGuide - https://instagram.com/calgarylifestyleguide/
Facebook: @CalgaryLifestyleGuide -http://facebook.com/calgarylifestyleguide
Twitter: @YYCLivingGuide - https://twitter.com/YYCLivingGuide

━━━━━━━━▼SUBSCRIBE TO MY YOUTUBE CHANNEL▼━━━━━━━━
https://www.youtube.com/channel/UCpUsTXEO6bLD2GZ04LqixiA/?sub_confirmation=1

#FirstTimeHomeBuyer #MovingtoCalgary #CalgaryRealEstate #CalgaryRealtor

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥

Anastasia Dvorak
Real Estate Agent/Realtor
CIR REALTY, Calgary, Alberta
Serving Calgary and the surrounding area
Text me: 403.835.6913
Note: I do not always pick up my phone as I am busy with clients, so for the fastest response, it's better to text me or schedule an appointment online here: https://calendly.com/calgarylifestyleguide
Book an Appt: https://calendly.com/calgarylifestyleguide
Email me: info@anastasiayyc.com (note: please make sure to add your cell phone number at the end of your email. I reply to every email, but sometimes it goes into your junk folder - that way I can still get in touch with you even if my reply email message gets filtered by your email system. Thank you!)
DM me on Instagram @CalgaryLifestyleguide

THANK YOU FOR LISTENING, COMMENTING & SUBSCRIBING!♥