Turning Mortgages into Wealth-Building Tools in Alberta

We know that mortgages are often seen simply as monthly obligations. At Merge Mortgage Group, we view them as dynamic levers for tax savings and rapid portfolio growth, especially here in Alberta’s booming markets.

Why Mortgages Matter More Than You Think

Most homebuyers focus on snagging the lowest rate. We believe true power lies in strategic flexibility. By choosing lenders and products that accommodate future equity pulls, high loan-to-value refinances, and portability, you keep your options open and your tax bill low.

The Alberta Advantage

Alberta still offers some of Canada’s most affordable purchase prices combined with strong job growth. That means your tenants and your equity both work harder for you.

Our Four-Step Tax Strategy

We guide clients through a repeatable cycle that turns every dollar of equity into tomorrow’s down payment—and every cent of interest into a tax deduction.

Step 1 Purchase With Purpose

We help you find a primary home in Calgary, Edmonton or a rising secondary market. A modest down payment preserves cash for future investments.

Step 2 Convert to Rental

After two to three years, we assist with listing your home as a rental. Mortgage interest, property taxes, insurance and eligible expenses become deductions against rental income.

Step 3 Refinance to Extract Equity

Next, our team arranges a refinance, often up to 80 percent of your home’s value—to fund your next primary purchase without dipping into savings.

Step 4 Repeat and Reinvest

Each loop of buy rent refinance strengthens your portfolio. We work alongside your accountant to ensure every deduction is claimed and set you up with an investment plan for reinvested cash.

A Client’s Journey from Vancouver to Red Deer

When the Anderson family relocated from Vancouver’s skyrocketing market, they turned to us for a seamless transition.

1. Calgary Condo Launch
   We secured a low-down-payment condo near downtown Calgary, capturing immediate rental demand.

2. Edmonton Rental Conversion
   After living there three years, we converted the condo to rental status, filing every expense to minimize their Alberta tax burden.

3. Red Deer Equity Recycle
   Using the condo’s appreciated equity, we arranged a refinance to provide the Andersons’ down payment on a Red Deer family home.

4. Portfolio Expansion
   Today they own two income-producing properties in Alberta, with a third underway—each one structured for maximum tax efficiency and borrowing flexibility.

Partnering for Success

No mortgage strategy works in isolation. That’s why we collaborate with your trusted advisors:

• Financial Planner
  Integrates extracted equity into a broader investment roadmap

• Accountant
  Ensures all eligible mortgage interest and expenses flow through your tax return

Merge Mortgage Group
Advises on lender selection, product features and timing to keep you nimble

Key Takeaways

Ready to Amplify Your Mortgage Strategy?

Whether you’re settling into Alberta for the first time, moving within our vibrant secondary markets or expanding your portfolio, we’re here to make your mortgage work harder. Contact Merge Mortgage Group today and let’s design a plan that grows your wealth and cuts your tax bill.