MacRae Mortgage Solutions

MacRae Mortgage Solutions Mortgage Associate in Calgary, AB. MacRae Mortgage Solutions
Indi mortgages.

09/02/2026

The Bank of Canada held its rate again today.

So what does that mean for you?

If you have a variable-rate mortgage or a line of credit tied to prime, there is no change to your rate today.

If you have a fixed-rate mortgage or you’re currently shopping for one, remember that fixed rates don’t move directly with the Bank of Canada. They’re influenced more by the bond market, so they can still move even when the Bank of Canada holds.

For now, it’s another hold.

If you’re wondering whether today’s decision changes anything for your mortgage, renewal, or home-buying plans, reach out. I’m always happy to look at your specific situation.

09/01/2026

Your paycheque isn’t necessarily the only income that can help you qualify for a mortgage.

Child support and Canada Child Benefit can both be used as qualifying income, as long as we have the proper documentation.

And that matters.

Because when we’re determining how much mortgage you qualify for, looking at your full income picture can make a significant difference.

If buying a home is on your radar, don’t leave income off the table simply because you didn’t realize it could count.

This is exactly why it’s worth having the conversation before assuming what you can or can’t qualify for.

There’s something so special about helping someone make a big move, especially when there are so many pieces that have t...
08/31/2026

There’s something so special about helping someone make a big move, especially when there are so many pieces that have to come together along the way.

Getting the approval is obviously the goal, but knowing my clients felt supported, confident and taken care of throughout the process means just as much to me.

And then getting to hear “we’re home now” at the end of it all?

That’s the good stuff. ❤️

So incredibly happy for this family and their new chapter.

08/28/2026

Changing jobs doesn’t automatically mean putting your home-buying plans on hold.

Even if you’re still in a probationary period, there may be mortgage options available depending on your employment history, your new position, and the lender.

I’ve seen people worry that they can’t accept a better job because they’re planning to buy a home, or assume they need to wait months before they can start looking.

Don’t make a major career decision based on a mortgage rule you think exists.

If you’re thinking about changing jobs and buying a home is also on your radar, talk to me first. We can look at the whole picture and figure out the best way forward.

Buying a home can feel overwhelming, especially when it’s your first time.There are a lot of moving pieces, a lot of pap...
08/27/2026

Buying a home can feel overwhelming, especially when it’s your first time.

There are a lot of moving pieces, a lot of paperwork, and usually a LOT of questions.

And I want my clients to know that you can ask me every single one of them.

You are not bothering me. You are not asking too many questions. And you are definitely not expected to understand a process you’ve never been through before.

My job isn’t just to get your mortgage approved. It’s to make sure you understand what’s happening, feel comfortable with the decisions you’re making, and know that you have someone in your corner through the whole process.

Reviews like this mean so much to me because that’s exactly how I want my clients to feel when we’re done. ❤️

08/23/2026

Happy birthday to my favourite person to do life with. ❤️

Here’s to 37, to everything you accomplished at 36, and to everything still coming your way.

Cheers to you, my love! 🍻

08/20/2026

Selling your home doesn’t always mean saying goodbye to your current mortgage.

If your mortgage is portable, you may be able to take it with you to your next property and keep your existing rate.

And if you’re buying a more expensive home, there may be options to increase the mortgage at the same time.

Not every mortgage is portable and there are rules around how it works, but it’s definitely something worth checking before you sell.

Especially if you’re holding onto a rate you really don’t want to give up.

Before you start from scratch, let’s see what you already have.

08/19/2026

One of the best parts of this job has very little to do with mortgages.

When you work closely with someone for weeks or months, you get to know them. You hear about their families, their plans, their stress, and all the little things happening in between.

Then we finally get to say, “We’re done!”

Which is obviously the goal… but sometimes it’s a little bittersweet.

Somewhere along the way, clients have a funny way of becoming friends.

And getting to be a small part of such a big moment in someone’s life will always be one of my favourite parts of what I do.

08/17/2026

Starting over after a separation can feel overwhelming, especially when it comes to figuring out what happens next with housing.

But here’s something many people don’t know.

Even if you’ve owned a home before, a separation or divorce may allow you to qualify as a first-time home buyer again under certain programs.

The rules depend on the program and your individual situation, so don’t automatically assume those options are no longer available to you.

Sometimes starting over comes with more options than you realize.

Let’s look at your situation and figure out what’s available.

08/13/2026

A bankruptcy or consumer proposal doesn’t mean homeownership is off the table forever.

For traditional A lending, a common guideline is around two years after your bankruptcy has been discharged or your proposal completed, along with re-established credit.

But that’s not a hard rule for every lender or every situation. Sometimes there are options sooner, and alternative lenders may also provide another path depending on your down payment and overall file.

The important part is to start planning early.

If you’ve had credit challenges in the past and homeownership is a goal, let’s look at where you are today and build a plan to get you there.

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Calgary, AB

Telephone

+15179174242

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