Legacy Mortgage Group

Legacy Mortgage Group For inquiries please contact Sundeep Randhawa or Leo Orellana-Molina, Mortgage Brokers and Owners, L
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The Bank of Canada held its rate at 2.25% — the seventh hold in a row. 📊On the surface, "nothing changed." But the tone ...
09/02/2026

The Bank of Canada held its rate at 2.25% — the seventh hold in a row. 📊

On the surface, "nothing changed." But the tone underneath this one shifted, and that's the part worth paying attention to.

The Bank flagged rising inflation risks from the ongoing Middle East conflict and new US tariffs, with inflation still sitting near 3%. Translation: a rate cut is off the table for now, and some of the big banks are even forecasting hikes before year end. So if your plan has been to wait for rates to fall, that plan is starting to look like the risk.

Here's what actually matters for you: variable payments hold steady for now, but if you're renewing off a low 2021 rate, expect a higher payment and plan ahead. And whatever you do, don't assume your current lender is automatically your best option.

Swipe through for the full breakdown 👆 then let's build a strategy that works today and stays flexible no matter which way rates move next.

💬 Renewing, buying, or refinancing? Reach out today and let's map it out!

The next Bank of Canada decision is October 28, 2026. This is general information, not financial advice.

With a background in entrepreneurship, sales, operations management, and real estate, Navdeep is excited to begin their ...
09/01/2026

With a background in entrepreneurship, sales, operations management, and real estate, Navdeep is excited to begin their mortgage career with Legacy Mortgage Group. Holding a Bachelor of Computer Applications, they previously owned and operated their own business, gaining extensive experience across business development, marketing, operations, customer service, and building long-term client relationships.

Navdeep also gained valuable experience in the real estate industry in their home country and currently serve as an Operations and Sales Manager for a transportation company in the Edmonton area. In this role, they focus on business growth, strategic partnerships, and delivering exceptional client service.

Outside of work, Navdeep enjoys staying active through strength training and running. They also love exploring new cafés, trying different restaurants, and discovering great coffee around the city.

Navdeep looks forward to building lasting relationships and helping clients achieve their homeownership and financial goals.

Happy Monday from the Legacy team! ☕🖤And just like that, we're closing out another month. There's something about that l...
08/31/2026

Happy Monday from the Legacy team! ☕🖤

And just like that, we're closing out another month. There's something about that last-day energy — a chance to finish strong, tie up loose ends, and set the tone for what's next.

Whether you're wrapping up goals or just getting through the to-do list, we hope your week starts with momentum. Let's make it a great one. 💛

💬 What's one thing you're finishing strong this week? Drop it below 👇

What our clients say after working with our residential team. 🏡Behind every review is a real family, a real milestone, a...
08/28/2026

What our clients say after working with our residential team. 🏡

Behind every review is a real family, a real milestone, and a real relationship — and their words mean more to us than any award ever could. From first-time buyers to families making their next move, these are the moments we do it all for.

We'd be honoured to help you write your own. Reach out today and see what's possible for you. 🖤

📩 [email protected]
🌐 Link in bio

Amrit Pal is dedicated to helping clients navigate the mortgage process with confidence by providing trusted advice and ...
08/26/2026

Amrit Pal is dedicated to helping clients navigate the mortgage process with confidence by providing trusted advice and personalized financing solutions. Drawing on a strong background in customer service, sales, financing products, and management, along with a educational background in Bachelor of Science, a Management and Supervisory Development Certification from University of Alberta, he takes a strategic, problem solving and client-focused approach to every mortgage transaction. By assessing each client’s financial profile and leveraging access to a broad network of lenders, he strives to secure competitive interest rates, flexible mortgage options, and financing solutions tailored to each client’s short- and long-term goals.

Amrit Pal takes the time to understand each client’s unique financial situation and homeownership objectives, providing customized mortgage solutions that align with their needs and financial goals. He works closely with first-time homebuyers, newcomers to Canada, self-employed individuals, and existing homeowners, guiding them through pre-approvals, home purchases, refinances, renewals, and debt consolidation. Throughout every stage of the process, he prioritizes clear communication, attention to detail, and transparency, ensuring clients understand their options and feel confident in their decisions. Whether purchasing a first home, refinancing, renewing a mortgage, investing in real estate, or exploring financing options, clients can rely on Amrit Pal for expert guidance, personalized mortgage strategies, and exceptional service from start to finish.

Outside of his professional life, Amrit Pal enjoys spending time with family, listening to music, and travelling. He values integrity, continuous learning, and building meaningful relationships—principles that guide the way he serves every client.

Even our leaders know the value of hitting pause 🌲TJ and Simran took some well-earned time out in the Shuswap, and we lo...
08/21/2026

Even our leaders know the value of hitting pause 🌲

TJ and Simran took some well-earned time out in the Shuswap, and we love to see it. Because building something great isn't just about the hustle. It's about recharging, spending time with the people who matter, and coming back ready to give your best.

A little reminder from our BC team: rest is part of the plan too 💛

💬 Where's your favourite spot to unplug? Drop it in the comments 👇

Swapping spreadsheets for the fairway ⛳️The team got out for a well-earned round, and honestly? Days like this are just ...
08/21/2026

Swapping spreadsheets for the fairway ⛳️

The team got out for a well-earned round, and honestly? Days like this are just as important as the ones at the office. Great work starts with great people who know how to enjoy the moment together.

Have a great weekend, everyone. We'll be back Monday, ready to go to work for you. 💛

💬 How are you spending your weekend? Let us know 👇

🏢 COMMERCIAL DEAL CLOSED!💰 $5,600,000 secured for a multifamily property📅 Closed on July 14, 2026👤 Led by Kyle Small, VP...
08/20/2026

🏢 COMMERCIAL DEAL CLOSED!

💰 $5,600,000 secured for a multifamily property
📅 Closed on July 14, 2026
👤 Led by Kyle Small, VP Commercial

Multifamily remains one of the most sought-after asset classes in commercial real estate, and a close of this size shows exactly why investors keep scaling into it 💡 Larger multi-unit properties combine steady rental income with real economies of scale — one roof, one location, many units — which makes them a powerful engine for building wealth and a resilient anchor for any serious portfolio.

Financing a multifamily deal at this level requires understanding rental income analysis, debt service coverage ratios, and how to structure the deal in a way that lenders are confident in 📈 That is exactly the expertise Kyle brought to the table to get this one closed.

Swipe through to see the full deal breakdown 👉 If you are looking to acquire or refinance a multifamily property, now is the time to have that conversation with our team 💼

📲 Connect with Kyle directly:
🌐 Link in bio
📧 [email protected]
📞 780-831-6617

08/19/2026

Self-employed and worried you won’t qualify? There’s a way to qualify for more 💼🙌

Here’s what trips up a lot of self-employed borrowers: to save on taxes, you write off as many expenses as possible — smart accounting, but it makes your income look smaller to a lender. So even when business is thriving, your approval amount can come in lower than it should.

The good news? A big bank’s rigid checklist isn’t your only option. There are lenders and programs built specifically for self-employed income — stated income options, alternative lending, and cash-flow-based assessments that look at the real strength of your business, not just your bottom line on paper.

The difference usually isn’t whether you earn enough. It’s whether you’re working with someone who knows how to position your income the right way.

💬 Self-employed and ready to see what you actually qualify for? Reach out and let’s map it out 📲🔗

Address

Unit 206, 1230 91 Street SW
Edmonton, AB
T6X0P2

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 4pm

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