Sara Scott - ScotiaBank Home Financing Advisor

05/29/2026

Thinking about buying a home? Let's talk about something that often gets overlooked - the mortgage stress test!

In Canada, you don't just qualify at today's rate, you're tested at a higher rate to make sure you can still manage if things change down the road.

Why does that matter?

It helps ensure you can:
+ Handle potential rate increases (even if you are on a fixed rate)
+ Stay comfortable with your payments
+ Understand your true budget upfront

It can change how much you can qualify for, but it also gives you confidence in your plan.

Curious what this looks like for you? Connect with me today to walk through your options and next steps.

05/22/2026

Is it a good time to buy a 🏠home? The market may be creating more opportunities than expected.

According to Scotia economics📊, Canada's housing market is still waiting for a full recovery, with srs declining and home prices continuing to soften.

At the same time, market conditions remain balanced in the lower range and many regions are already favouring buyers.

What does this mean for buyers today?

+ More choice with stable inventory levels
+ Less competition compared to peak years
+ Increased ability to negotiate

For those who are financially ready, this type of environment can offer a more strategic path to homeownership.

Thinking about buying? Let's connect and build a plan that works for your goals.

Read the full report here: https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.housing.housing-news-flash.may-14--2026.html

CANADA HOUSING MARKET: EXISTING HOME SALES INCREASED IN APRIL, BUT TOO SOON TO SHOUT ‘RECOVERY’ SUMMARY Housing sales increased nationally in April after five months of consecutive declines. But both indicators of market conditions we report suggest still-soft conditions nationally. The MLS HPI ...

05/20/2026

Saving to buy a home 🏠? It all starts with a clear plan and the right tools to grow your down payment.

A High Interest Savings 💰 account (HISA) is a new product to Scotiabank, that is available to help you build your savings quicker without locking your money away, making it perfect for short term goals like saving for a down payment.

Pair it with other accounts like the First Home Savings Account (FHSA), Tax Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP) to assist with growing more wealth for down payment.

The right savings strategy can bring you closer to homeownership sooner. Connect with me today and take the next steps with confidence!

05/13/2026

Yesterday was great fun with FCT and seeing like minded people in our industry. Thank you FCT for the invite ♥️

Looking forward to what the rest of the year will bring!

05/12/2026

Scotia's new Home Energy & Advice tool generates customised reports featuring energy scores, risk assessments, upgrade suggestions, and financial impact, all from a short questionnaire.

As a home financing advisor, I can help you apply these insights to manage overall homeownership expenses including mortgage payments, utility bills, and maintenance. We can also explore ways to save costs over time and discuss how leveraging your home's equity for upgrades can boost comfort and long term value.

Access the tool here:

https://www.scotiabank.com/ca/en/about/responsibility-impact/climate.html

Energy efficient homes often lead to reduced bills and better financial health.

Connect with me today to transform these insights into a smart financial strategy!

By continuing to access the Home Energy and Advice Tool powered by Climative, you will be taken to Climative’s website which is unaffiliated with Scotiabank. Please review Climative’s terms of use and privacy policy before accessing the Tool. Scotiabank is not responsible for the Tool or any oth...

04/29/2026

Bank of Canada's latest rate announcement - keeping target key interest rate the same at 2.25%. However, it is uncertain of what the rate will look like in the next announcement held on June 10th.

Bank of Canada holds key interest rate at 2.25%, warning future decisions are clouded by uncertainty | CBC News https://lnkd.in/gZ6UdrSG

04/29/2026

Bank of Canada's latest Tate announcement - keeping target key interest rate the same at 2.25%. However, it is uncertain of what the rate will look like in the next announcement held on June 10th.

Bank of Canada holds key interest rate at 2.25%, warning future decisions are clouded by uncertainty | CBC News https://share.google/wwAFMhcfr91ZgPJ1r

While high oil prices could lead the central bank to hike rates in the future, trade tensions with the U.S. might require rate cuts to support the economy, Bank of Canada Governor Tiff Macklem explained.

04/25/2026

Buying, renewing or refinancing? With Scotiabank Mortgage plus bundle, you can combine your mortgage with everyday banking solutions like the New Scotia High Interest Savings account to unlock added value.

The bundle is designed to help homeowners benefit from conveniences such as preferred banking features, potential cost savings , and a more streamlined way to manage their finances in one place, ALLL while keeping savings accessible for home related expenses or future goals

Reach out to me directly to learn more about the mortgage plus bundle and how it could benefit your specific situation!

04/23/2026

Another Alberta weather whiplash 🥶🥶. But don't let the weather get you bogged down!

Here are some things that are happening in Edmonton and area this weekend

Things to Do This Weekend in Edmonton – April 24 to 26, 2026 https://share.google/2ZYjoZGwoJsicOXCW

04/10/2026

In Edmonton this weekend, forecast shows +14!! What are your plans for the weekend??

Here are some ideas:

https://www.todocanada.ca/things-to-do-in-edmonton-this-weekend/

This link will take you to a page that’s not on LinkedIn