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Sarah McEwan - Mortgage Broker, #206 1230 91 Street SW, Edmonton, AB (2026)

05/13/2026

STRATEGIC MORTGAGE PLANING 📣

💡I was recently able to help a client save over $41,000 and interest and shave 5 1/2 years off of their mortgage.

➡️ We did this by using their down payment funds strategically. My clients sold their previous home and received $200,000 from the equity in that home.

They originally wanted to put the full amount down on their new property. I worked two scenarios for them to show them the difference between putting all the money as their downpayment on the regular amortization schedule vs. putting $150,000 as the down payment and then immediately making a lump sum payment of $50,000 after the mortgage funded.

This is how I saved them so much money in interest and reduced their amortization. One thing to note, this client was comfortable with their monthly payment going up by about $250 per month.

📲Message me if you’d like a review of your personal numbers to see what money saving options you have.

👉Follow for more money saving tips.

04/29/2026

BANK OF CANADA UPDATE — RATE HOLD 📣🇨🇦

The Bank of Canada just announced they are holding the overnight rate steady at 2.25%… and here’s what that means for YOU 👇

👉 No change (for now) — borrowing costs aren’t increasing, which is a big relief for buyers and homeowners watching rates closely

👉 Inflation is still a factor — it’s expected to sit around ~3% short term, but the Bank is not overreacting to temporary spikes (like gas prices)

👉 The economy is… mixed
We’re seeing signs of growth again, but uncertainty (oil prices, global tensions, trade) is keeping the Bank cautious

👉 What this means for mortgages
• Variable rates → likely holding steady for now
• Fixed rates → still driven by bond markets (and those can move fast)
• Strategy matters more than ever

💡 My take:

This “pause” tells us the Bank is waiting for clearer direction before making their next move. Translation?
👉 We’re in a window of opportunity, but not a forever one.

If you’re thinking about buying, renewing, or refinancing… the difference between a good and a great strategy right now could literally save (or cost) you thousands.

📩 DM me and I’ll walk you through exactly what I would do in your situation — no pressure, just clarity.

interest rates home buying canada yeg realestate refinance mortgage strategy

03/18/2026

Bank of Canada Update: Rate Hold at 2.25% 🇨🇦

The Bank of Canada held the overnight rate at 2.25% today — a move that was widely expected.

Why the hold?
Economists are pointing to a balancing act:
• Inflation is currently close to target (~2%)
• But risks are rising (oil prices, global conflict, trade uncertainty)
• At the same time, Canada’s economy is showing signs of slowing (weaker job data, softer growth)

Many expect a “wait and see” approach through spring/summer, with uncertainty around any future cuts or hikes.

💡 What this means for buyers:

This decision is stable overall.

✔️ Fixed rates are influenced more by the bond market
✔️ Variable rates remain unchanged (for now)
✔️ The next move is still uncertain — depending on inflation and world news updates

🏡 If you’re thinking about buying, this is a window of rate stability, but not necessarily long-term predictability.

📩 Message me if you want to understand what this means for your buying power or strategy — happy to break it down for you.

03/16/2026

🏡 FIRST-TIME BUYERS: Big news for new builds!

As of March 12, 2026, new federal legislation has officially eliminated GST on newly built homes for first-time home buyers.

This could mean up to $50,000 in savings when purchasing a brand new home. 👀

Here’s how it works:

✨ 0% GST on new homes up to $1,000,000
✨ Reduced GST on homes between $1,000,000 – $1,500,000
✨ Maximum savings: up to $50,000

📊 Example

If you purchase a new build for $500,000:

Normally you would pay 5% GST = $25,000

With the new rebate:

➡️ GST = $0
➡️ You save $25,00

This can come off the purchase price or as a rebate after you purchase.

That money could go toward:

• A larger down payment
• Closing costs
• Furniture or upgrades
• Or simply making the purchase more affordable

☑️Eligibility highlights:
• All purchasers must be qualify as first time home buyers
• Must be 18+
• Must be a Canadian citizen or permanent resident
• The home must be your primary residence

📅 The rebate generally applies to agreements signed after May 27, 2025 and before 2031.

This change could make new construction far more affordable than many buyers realize.

If you’re a first-time buyer thinking about a new build, it may now be the perfect time to explore your options.

💬 Send me a message or comment “NEW BUILD” and I’ll help you run the numbers to see what you could qualify for.

canadahousing mortgagebroker realestatetips homeownership mortgagemoves alberta yeg yyg

01/28/2026

Bank of Canada Update 🇨🇦📣

The Bank of Canada held its key interest rate steady at 2.25% — no changes for this first policy decision of 2026.

Inflation remains close to target and economic growth modest, but uncertainty (especially around trade) means future moves aren’t clear yet. 📊

This current update is good news for variable rate holders. It also continues to give more options to clients that are looking to purchase and renew this year.

10/30/2025

The Bank of Canada cut its policy interest rate by 25 basis points to 2.25%. 🇨🇦

What the rate cut means for Canadian families:

• The Bank cut the overnight rate to 2.25% as it sees slower economic growth ahead (Canada’s GDP now expected at ~1.2% in 2025, ~1.1% in 2026) and inflation close to its 2% target.
• Household spending remains solid, but exports, business investment and trade-sensitive sectors are under pressure — meaning the Bank wants to gently ease rather than tighten.
• For families: Lower benchmark rates often lead to lower borrowing costs, more favourable mortgage rates, and some breathing room in your budget.

Variable Rate vs Fixed Rate: How this change impacts both

Variable Rates📉

• Good news: Variable rates follow the Bank’s rate. Since the overnight rate is down, variable-rate borrowers will see immediate savings.

• Caution: Even though rates dropped, the Bank says this cut might be the last in this cycle, so you’re not necessarily in for further rate drops. That means the “variable rate advantage” may be temporary.
• If you’re comfortable with a bit of rate-risk (i.e., rates could go up in future) and you want maximum flexibility/change options — variable could still be a smart move right now.

Fixed Rates 📈

• No immediate change. Fixed rates are less sensitive to a single short-term cut, since they embed expectations of longer-term interest trends and follow the Canadian Bond Market. This cut may help lenders will feel more confident offering slightly lower fixed rates or tighter spreads.

• If your goal is certainty and stability (budgeting, family planning, risk-averse) — anchoring a fixed rate now may give you peace of mind.

• Caution: If you lock a fixed rate now but interest rates do go down further (though the Bank signals they may not) then you might regret not waiting to lock in. But waiting comes with its own risk of rate increases.

if you have questions about what is the best option for you and your family please feel free to DM me and we can discuss!

10/13/2025

Happy Thanksgiving !!! 🍁

Feeling so thankful today for my wonderful family, friends, and amazing clients who make every day more meaningful. Grateful for all the support, laughter, and opportunities this year has brought. Wishing you all a cozy and joyful Thanksgiving! 🧡

04/16/2025

Bank of Canada Holds Overnight Rate at 2.75% 📣

What This Means for You:

Today, the Bank of Canada maintained its overnight rate at 2.75%, marking the first pause after seven consecutive cuts. This decision reflects ongoing global uncertainties, particularly due to recent U.S. trade policies and tariffs, which have increased inflation expectations and made economic forecasting more challenging.

Inflation in Canada stood at 2.3% in March, influenced by higher goods prices and a weakened Canadian dollar . However, factors like the removal of the consumer carbon tax and declining oil prices are expected to moderate inflation in the coming months.

For homeowners and potential buyers, this rate hold offers a moment of stability. If you’re considering a mortgage or refinancing, now is a good time to assess your options. 🏡

👉Feel free to reach out if you have questions about how this impacts your mortgage plans.

03/12/2025

Bank of Canada Announcement 📣

The Bank of Canada has reduced its key policy rate by 25 basis points to 2.75%, marking the seventh consecutive rate cut. 🇨🇦

This decision aims to counteract the economic slowdown resulting from recent U.S. tariffs on Canadian goods, which have dampened consumer and business confidence.

Despite solid economic growth in late 2024, the outlook has become uncertain due to escalating trade tensions. While employment growth had been robust, there are concerns that the trade conflict could disrupt the recovery in the jobs market.

Inflation, which has remained near the Bank’s 2% target, is now expected to rise to around 2.5% in March, influenced by a weaker Canadian dollar and potential retaliatory tariffs on U.S. imports.

What does this mean for mortgage holders? 📈

➡️Variable-Rate Mortgages: Borrowers with variable-rate mortgages may benefit from immediate reductions in their interest rates, leading to lower monthly payments. This is because variable rates are directly tied to the central bank’s policy rate.

➡️Fixed-Rate Mortgages: Those with fixed-rate mortgages will not see immediate changes in their payments, as their rates are locked in for the term of the mortgage.

Prospective homebuyers and those considering refinancing should carefully evaluate their options, taking into account their financial situation and risk tolerance, to decide between fixed and variable-rate mortgages.

If you have questions or are wondering how this may affect you, please feel free to reach out!

👉Follow for more Canadian mortgage news!

02/27/2025

✨ Celebrating 2 Years Helping My AMAZING Clients Achieve Their Homeownership Dreams! ✨

Two years ago, I took a leap into the mortgage world with a passion to help Canadians secure their homes, invest in their futures, and make smarter financial decisions. Today, I’m celebrating not just this milestone—but all of YOU who made it possible. 🥂

Every referral, every DM, every like, comment, save, and follow—those small actions have meant EVERYTHING to me and my growing business. 💬❤️

When you:
🤝 Refer a friend or family member
❤️ Like a post
💬 Comment or ask a question
📲 Share my content
📧 Reach out to work together

You’re not just supporting my business—you’re helping me support families, grow dreams, and build futures. That’s the heart of what I do.

This journey wouldn’t be possible without your trust and support. THANK YOU from the bottom of my heart. 🫶
Your continued support helps me reach more families, educate more first-time buyers, and secure better mortgage solutions for more homeowners.

👉 If I’ve helped you or you’ve enjoyed my content, I’d love your continued support:
✨ Tag a friend buying their first home
✨ Share this post to your story
✨ Drop a ❤️ or comment below
✨ Or just say hi—I’m always here to answer your questions!

Here’s to many more years of helping you open doors—literally! 🏠🔑

Let’s make year 3 the best one yet. 🙌

Sarah McEwan - Mortgage Broker

05/13/2026

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01/28/2026

10/30/2025

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