Tracy MacIntyre - Associate Mortgage Broker

06/10/2026

🏦 The Bank of Canada held the overnight rate at 2.25% today. This is the fifth consecutive hold.

Here's what I want to tell you, because I spent 36 years inside one of Canada's largest banks and I know how this works on that side of the table.

When the Bank holds, lenders breathe. They stop adjusting their posted rates and they stop feeling pressure to compete as aggressively on renewals. That doesn't mean good options disappear. It means you have a brief window where the market is settled and the rates are still strong before the next round of movement, in either direction, changes the picture again.

The call I made when I crossed over from banking to the broker side was about exactly this: I wanted to be the person who tells you what the institution isn't going to volunteer. Your bank will send your renewal offer. It will look reasonable. It may not be the best available. After 36 years, I know the difference.

I'm on your side. 902.719.4571 | AtlanticMortgageBrokers.com 📞

05/17/2026

Happy Victoria Day from Atlantic Canada!

Bella and Rosie have been campaigning hard for a long walk, and this weekend they've finally won. The rest of the long weekend is theirs too.

Wishing everyone across Nova Scotia, New Brunswick, and Ontario a wonderful start to summer. Enjoy every bit of it.

— Tracy

05/10/2026

🌸 Happy Mother's Day to every mom who built something lasting — quietly, patiently, one day at a time.

The ones who showed up when it was hard, and kept showing up after. There's a kind of strength in that you only see clearly looking back.

Today is for you.

— Tracy

05/04/2026

🧾 One of the most common things I hear from self-employed clients: "I didn't think I'd qualify."

The reality is more nuanced than that — and a lot more hopeful.

Yes, lenders look at income differently when you're self-employed. But there are lenders who are built specifically to work with business owners, contractors, and freelancers — and having the right broker in your corner means your file gets in front of the right ones.

Here's what actually matters when you're self-employed and applying for a mortgage:

✔️ How your income is documented — not just how much you earn
✔️ How long you've been self-employed — typically two years is the benchmark
✔️ Your overall financial picture — assets, credit, and consistency

After 36 years in banking and lending, I know how to build a file that gives you the best possible shot. If you're self-employed and wondering what's possible, let's have that conversation.

📞 902.719.4571

05/03/2026

04/29/2026

36 years in banking and mortgages. I have seen a lot of rate announcements.

This one — BoC held at 2.25%, third consecutive hold of 2026 — lands differently than a cut or a hike. It is quiet. And quiet is actually useful.

A hold means the people who are on variable rates get a moment to think. No payment shock. No emergency calls. Just time to review whether your product still fits your plan.

It also means the renewal conversations that should have happened six months ago are still on the table. Your lender has not been sitting still — they have been pricing for their own margin. Getting a second opinion this year is not optional if you care about the numbers.

Fixed rates are still their own story. Bond yields move regardless of what the BoC does. If someone tells you today's hold means fixed rates are about to drop — ask them to show you the bond market.

Quiet moments are the best time to make good decisions.

902.719.4571 | AtlanticMortgageBrokers.com

04/22/2026

What a great 2 days at the NBREA conference with the best team ever ❤️ it was so nice to be with new and existing friends❤️

04/12/2026

💡 April 30th is coming — and if you're a homeowner or planning to buy, your tax return is more important than you think.

Your Notice of Assessment (NOA) is one of the first documents lenders ask for. Filing on time — and accurately — can directly impact your mortgage approval, refinance options, or the rate you qualify for.

A few things worth having ready:
✔️ T4s and income slips
✔️ Self-employment income records
✔️ Last year's Notice of Assessment
✔️ Any RRSP contribution records

Don't leave it to the last minute. If you have questions about how your income picture affects your mortgage options, I'm happy to walk you through it. 📞 902.719.4571

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04/05/2026

🐣 Wishing you and yours a wonderful Easter weekend!

Whether you're sharing a meal with family, hunting for eggs with little ones, or simply slowing down and enjoying the season — I hope it's filled with warmth, laughter, and good food.

From my family to yours, happy Easter! 🌷

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03/27/2026

💡 Spring is a smart time to ask: is your mortgage still working for you?

If your goals have shifted — lower payments, accessing equity, or cleaning up debt — a refinance review can show you what's actually possible.

No pressure. Just clear answers and a plan that fits where you're headed.

📞 Ready to talk? Call or text Tracy at 902.719.4571

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