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Sarah McEwan - Mortgage Broker

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Edmonton, AB
Sarah McEwan - Mortgage Broker

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Part of the Advantage Mortgage Team at Legacy Mortgage Group

Serving the Greater Edmonton area.

10/30/2026

RATE UPDATE: The Bank of Canada just raised its overnight lending rate by 0.25% to 2.50%. 🇨🇦

After months of holding steady, we’re seeing a shift in the Bank of Canada’s approach, and here’s what it means for Canadian homeowners.

🏡 HAVE A VARIABLE-RATE MORTGAGE?

This increase will typically mean your lender’s prime rate rises by 0.25%, which directly impacts most variable-rate mortgages.

If you have an adjustable-payment variable mortgage, expect your payment to increase.

For every $100,000 owing, that’s approximately $13 more per month on a variable mortgage with 25 years remaining, depending on your current rate and amortization.

If you have a fixed-payment variable mortgage, your payment may stay the same, but more of it will go toward interest and less toward paying down your principal.

🏡 HAVE A FIXED-RATE MORTGAGE?

If you’re currently locked into a fixed rate, today’s announcement won’t change your mortgage payment.

However, if your renewal is coming up, it’s important to understand where rates are heading and what options you have before your term ends.

Fixed mortgage rates don’t directly follow the Bank of Canada’s overnight rate. They’re influenced by bond yields, which means they can move independently of today’s announcement.

SO, WHAT DOES THIS MEAN FOR YOU?

The impact of today’s decision depends on your mortgage type, remaining balance, rate and renewal date.

Whether you’re on a fixed or variable mortgage, purchasing your first home, or preparing for renewal, having a plan can make all the difference.

As a mortgage broker, my goal is to help you understand your options, make informed decisions and feel confident about your mortgage.

Have questions about how today’s announcement affects YOUR mortgage?

Send me a message. Let’s review your options and build a plan that makes sense for you.

Sarah | Mortgage Broker

10/28/2026

🚨RATE UPDATE: The Bank of Canada just raised its overnight lending rate by 0.25% to 2.50%. 🇨🇦

After months of holding steady, we’re seeing a shift in the Bank of Canada’s approach, and here’s what it means for Canadian homeowners.

🏡 HAVE A VARIABLE-RATE MORTGAGE?

This increase will typically mean your lender’s prime rate rises by 0.25%, which directly impacts most variable-rate mortgages.

If you have an adjustable-payment variable mortgage, expect your payment to increase.

For every $100,000 owing, that’s approximately $14 more per month on a variable mortgage with 25 years remaining, depending on your current rate and amortization.

If you have a fixed-payment variable mortgage, your payment may stay the same, but more of it will go toward interest and less toward paying down your principal.

🏡 HAVE A FIXED-RATE MORTGAGE?

If you’re currently locked into a fixed rate, today’s announcement won’t change your mortgage payment.

However, if your renewal is coming up, it’s important to understand where rates are heading and what options you have before your term ends.

Fixed mortgage rates don’t directly follow the Bank of Canada’s overnight rate. They’re influenced by bond yields, which means they can move independently of today’s announcement.

SO, WHAT DOES THIS MEAN FOR YOU?

The impact of today’s decision depends on your mortgage type, remaining balance, rate and renewal date.

Whether you’re on a fixed or variable mortgage, purchasing your first home, or preparing for renewal, having a plan can make all the difference.

As a mortgage broker, my goal is to help you understand your options, make informed decisions and feel confident about your mortgage.

Have questions about how today’s announcement affects YOUR mortgage?

Send me a message. Let’s review your options and build a plan that makes sense for you.

Sarah McEwan | Mortgage Broker

10/06/2026

Thinking about buying your first home in the next 12 months?

What you do between now and then matters more than you think.

A new car payment. New credit. Carrying high balances. Moving money around without documentation. Waiting until you find a house before figuring out what you can actually afford.

These are the things I’d avoid if buying a home was my goal.

You don’t need to have everything figured out today but the earlier you start planning, the more options you give yourself.

Save this for later, and send it to someone who keeps saying, “We want to buy next year.”

If that’s you, like this post so you see more content like this and follow along. I’m going to be sharing a lot more homebuyer advice for first time home buyers and people ready sell and to move to their next home.

10/01/2026

🧡 LET’S FILL THE FOOD BANK SHELVES THIS THANKSGIVING 🧡

Thanksgiving is a time to gather, eat a delicious meal, and appreciate what we have. We’d love to help make sure more local families have something to put on their tables too.

Dona V and the V Real Estate Team and Sarah McEwan Mortgages are teaming up for a Thanksgiving Food Bank Drive, and we’d love for you to stop by with a donation!

As a little thank-you, we’ll have fresh coffee sponsored by Dark Kiss Coffee and cookies on us to enjoy while you drop off your donations. ☕️🍪

📅 Saturday, October 10
⏰ 11:00 AM – 1:00 PM
📍 Leduc RE/MAX Office (Parking Lot)
5306 50 St, Leduc, AB T9E 6Z6

You can confirm you’re coming through the Eventbrite link to give us a better idea of numbers, but you absolutely don’t need to register to stop by!

Swing by with a donation, grab a coffee, say hi, and help us do a little good in our community this Thanksgiving. 🧡

We hope to see you there!

Leduc LeducCommunity Thanksgiving FoodBankDrive SupportLocal YEG YEGCommunity

09/24/2026

People often think buying a home is so much further away than it actually is but it really can be that simple.

Get pre-approved in September.
Go under contract in October.
Close in November.
Christmas in your new home. 🎄🏡 ✨

Of course, every situation is different, but the process can happen a lot faster than people realize.

If buying a home has been on your mind, let’s talk about it. You don’t have to have everything figured out before you reach out; that’s what I’m here for.

You might be closer than you think. 🤍

09/03/2026

How much house can you really afford? 🏡

I sat down with the The Spring Team YEG - Grassroots Realty Group to answer some common mortgage related questions that come up with their clients.

One of the biggest questions they get asked is how much house can I really afford? The answer is more complex than just looking at how much income someone has and what someone qualifies for isn’t always how much they should spend.

If you want to know more about how lenders determine the person‘s affordability and why a pre-approval is your best move when starting the homebuying process go to their website to read the full article! 📲

https://www.alannadawleyrealtor.ca/tips-and-info/your-mortgage-questions-answered

09/02/2026

🏦 Bank of Canada update: Lending rate is HOLDING at 2.25%

The Bank of Canada held its overnight rate at 2.25% today, saying the Canadian economy has shown resilience, but there’s still a lot of uncertainty ahead, particularly around tariffs, trade and inflation.

So what does that mean for you?

🏠 Buying a home?

A rate hold doesn’t mean mortgage rates are standing still. Variable rates are more directly tied to the Bank of Canada’s overnight rate, while fixed mortgage rates are influenced by the bond market which adjusts daily.

📉 And fixed rates have been moving up and down all year. Canadian bond yields have been pushed around by economic data and global market conditions including stronger than expected Canadian GDP, employment/inflation data, U.S. economic news, trade uncertainty and rising global bond yields. (Reuters)

🏡 Already a homeowner?

If your mortgage is coming up for renewal, don’t assume today’s rate announcement tells you what your renewal rate will be. There are several moving pieces — and timing, lender options and your mortgage structure can make a BIG difference. Get help early.

Bottom line: The Bank of Canada may be holding, but mortgage rates are still moving.

If you’re buying, renewing or just wondering what today’s announcement means for your mortgage, send me a message. I’ll break it down for you. 💬

08/18/2026

I could go on and on with this trend but ultimately I’d say it’s kinda chic to have a mortgage broker who sees you and all the possibilities, not just the numbers. ✨

From buying your dream home, saving money, building wealth, navigating difficult situations, or creating more room to actually enjoy your life… your mortgage can be so much more than a monthly payment.

I’m here to help you make the numbers work for the life you want. 🖤

Message me if you want to see what’s possible for you and your family.

Alberta Mortgage Broker

07/23/2026

Edmonton vs. Calgary: What’s happening in the market? 👀

The two biggest markets in Alberta are telling very different stories right now.

🏡 Calgary: More inventory—especially condos and apartments—is giving buyers more negotiating power and creating opportunities to find great value.

🏡 Edmonton: The market is still moving quickly, but inventory is finally catching up. Even with more homes available, prices remain higher than they were this time last year.

✨ What does this mean for you? Whether you’re buying your first home, moving up, or investing, there are opportunities in both markets; you just need the right strategy.

Thinking about buying? Let’s chat about what you can qualify for, your monthly payments, and the best financing options available so you’re ready when the right home comes along.

📩 Send me a DM to get started!

View this listing with V Real Estate Team | Leduc & YEG Realtors
Listing

Alberta Real Estate Mortgage Broker Home Buying Tips First Time Home Buyer Edmonton Homes Calgary Homes Alberta Mortgage Mortgage Advice Yeg Yyc Edmonton Calgary

07/15/2026

🇨🇦Bank of Canada Update: Reading Between the Lines 🇨🇦

The Bank of Canada held its overnight rate at 2.25% today. While the decision wasn’t a surprise, the reasoning behind it is what matters.

📈 The economy is improving.
The Bank noted stronger-than-expected economic growth, resilient consumer spending, and a labour market that continues to hold up.

🔥 Inflation is still the focus.
While inflation has moved closer to the Bank’s 2% target, policymakers remain cautious. They want more evidence that inflation will stay under control before considering rate cuts.

👀 What does the language suggest?
Today’s statement sounded more optimistic about the economy but remained cautious on inflation. The overall message? The Bank appears comfortable keeping rates where they are for now, with no strong signal that cuts are coming in the near term.

🏡 What does this mean for mortgage rates?

✅ Variable rates: No change today.

📉 Fixed rates: These are driven by the bond market—not the Bank of Canada’s overnight rate. If inflation remains sticky or economic data stays strong, fixed rates could still move higher even if the Bank doesn’t change its policy rate.

💡 Why this matters

If you’re renewing your mortgage in the next 6–12 months or planning to buy a home, don’t focus only on Bank of Canada announcements. Bond markets often move well before the Bank does, making it important to have a strategy instead of trying to time the market.

Have questions about how today’s announcement could impact your mortgage? Message me, I’m happy to help.

Address

#206 1230 91 Street SW
Edmonton, AB
T6X0P2

Telephone

+17809388169

Website

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