Cari McClelland - Mortgage Professional

Cari McClelland - Mortgage Professional A dedicated professional, delivering a supremely streamlined experience to her clients.

Bank said no?That is not the end of the story. I work with 50+ lenders — banks, credit unions, monolines, and private op...
07/24/2026

Bank said no?

That is not the end of the story.

I work with 50+ lenders — banks, credit unions, monolines, and private options. When one door closes, another usually opens.

If you have been turned down, reach out before you give up. There is almost always another path forward, even for self-employed buyers, new Canadians, or clients rebuilding credit.

📞 604-897-6847
✉️ [email protected]
🌐 carimortgages.com

Mortgages don’t have to feel overwhelming. 👋Here’s my simple 3-step plan:1. Connect. We talk through your goals and ques...
07/23/2026

Mortgages don’t have to feel overwhelming. 👋

Here’s my simple 3-step plan:

1. Connect. We talk through your goals and questions.
2. Review. I look at your documents and options.
3. Plan & Approve. We map out the best next step together.

Clear. Personal. No mortgage chaos.

If you want help, message me anytime at [email protected]. #

🏦 BANK OF CANADA HOLDS RATE AT 2.25%Today, the Bank of Canada announced that it is keeping its overnight lending rate un...
07/15/2026

🏦 BANK OF CANADA HOLDS RATE AT 2.25%

Today, the Bank of Canada announced that it is keeping its overnight lending rate unchanged at 2.25%. This marks the sixth consecutive rate hold as inflation remains within the Bank’s target range and the economy continues to show signs of stability.

What does this mean for borrowers?

✅ Variable-rate mortgage holders can expect their payments and interest costs to remain unchanged for now.

✅ Homeowners with adjustable-rate mortgages won’t see any immediate changes to their payments.

✅ Fixed mortgage rates are not directly tied to the Bank of Canada rate and continue to be influenced primarily by bond market movements.

✅ Buyers and those renewing mortgages can continue planning with confidence in a relatively stable rate environment. The lowest rate isn’t always the best mortgage. Features such as prepayment privileges, portability, penalties, flexibility, and future borrowing options can save you thousands over the life of your mortgage.

If you’re buying, renewing, refinancing, or simply wondering how today’s announcement affects you, I’d be happy to help.

✨ Dream Big. Borrow Smart.

Mortgage questions? I’ve got real answers. First-time, self-employed, new to Canada, or worried about credit? You’re not...
06/14/2026

Mortgage questions? I’ve got real answers.

First-time, self-employed, new to Canada, or worried about credit? You’re not alone. I make mortgages simple, clear, and stress-free for every journey.

Let’s chat about your next step. 😊

Cari McClelland | 604-897-6847 | carimortgages.com

There is no perfect time to buy a home. There never has been. 🏠Rates hit 21% in 1981. People bought.Pandemic in 2020. Pe...
06/11/2026

There is no perfect time to buy a home. There never has been. 🏠
Rates hit 21% in 1981. People bought.
Pandemic in 2020. People bought.
Rates jumped to 5% in 2023. People bought.
Today the Bank of Canada held rates at 2.25% — for the FIFTH time in a row — and even they admitted they don’t know what comes next.
But here’s the thing nobody talks about: a mortgage is a 20–30 year commitment. The rate you start with is almost never the rate you finish with. And every single payment builds equity — something a rent cheque will never do.
I broke it all down in plain English — the trade war, the oil prices, what it could mean for YOUR mortgage, and what 40 years of history actually says about right now.
📖 Full breakdown at the link in my bio — worth 5 minutes of your time whether you’re buying, renewing, or just trying to make sense of it all.
💬 Drop your questions below — I’m here for it. 👇
InterestRates HomeBuying CanadianRealEstate FirstTimeHomeBuyer MortgageTips HousingMarket CanadianHomeowner RealEstateCanada MortgageAdvice HomeOwnership

📢 BANK OF CANADA HOLDS RATE AT 2.25%Today, the Bank of Canada announced that it is holding its overnight lending rate at...
06/10/2026

📢 BANK OF CANADA HOLDS RATE AT 2.25%

Today, the Bank of Canada announced that it is holding its overnight lending rate at 2.25%.

So what does that actually mean for borrowers?

For most Canadians with variable-rate mortgages and lines of credit, there is no immediate change today. Prime Rate remains approximately 4.45% at most major lenders.

🏡 If you have a variable-rate mortgage:
Your rate and payments will generally remain unchanged for now.

🏡 If you have a fixed-rate mortgage:
This announcement does not directly affect your mortgage rate. Fixed rates are influenced more by bond markets than by Bank of Canada rate decisions.

🏡 If you’re renewing soon:
This is a great time to review your mortgage and ensure it still fits your goals. Remember, a mortgage is more than just a rate—features, flexibility, prepayment options, penalties, and future plans all matter.

The biggest mistake I see at renewal? Simply signing the lender’s offer without exploring all your options.

Whether you’re renewing, purchasing, refinancing, or simply wondering what today’s announcement means for your mortgage, I’m always happy to answer your questions.

There are no wrong questions.

📞 604-897-6847
📧 [email protected]
🌐 www.carimortgages.com

Dream Big. Borrow Smart. 💙

MortgageTips Homeownership MortgageEducation MortgageArchitects CariMcClelland DreamBigBorrowSmart

Mortgage hurdles? You’re not alone here.First-time buyer, self-employed, new to Canada, or worried about credit? I get i...
06/10/2026

Mortgage hurdles? You’re not alone here.

First-time buyer, self-employed, new to Canada, or worried about credit? I get it. The mortgage world can feel like a maze. My 3-step plan keeps it simple and stress-free.

Let’s make your home dreams real. Message me to start your path to approval! 😊

Mortgages don't have to be scary. My 3-step plan makes it simple and stress-free. Step 1: We chat about your goals. Step...
06/06/2026

Mortgages don't have to be scary. My 3-step plan makes it simple and stress-free. Step 1: We chat about your goals. Step 2: I handle the paperwork. Step 3: You get the keys! Want to see how easy it can be? Message me today. 😊

Cari McClelland | 604-897-6847 | [email protected] | www.carimortgages.com

Mortgages don’t have to be confusing. Curious how I make it simple? Here’s my 3-step plan: Connect. Plan. Approve. That’...
06/05/2026

Mortgages don’t have to be confusing.

Curious how I make it simple? Here’s my 3-step plan: Connect. Plan. Approve. That’s it. No overwhelm. Just clarity and support, every step.

Ready to see how easy it can be? Message me anytime! 😊

Address

8853 Braeburn Drive
Coldstream, BC
V1B3W8

Telephone

+16046701768

Website

Alerts

Be the first to know and let us send you an email when Cari McClelland - Mortgage Professional posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category