Heather Mackay Mortgages

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Canada
Okotoks, AB
Heather Mackay Mortgages

Mortgage Agent, helping you through the mortgage process. Wondering what you qualify for? Call me The best place to start is to connect with me directly.

At DLC - Canadian Mortgage Experts, we've been successfully delivering the best rate for tens of thousands of satisfied clients. The mortgage process is personal, and can be overwhelming. My commitment to you is that I'll listen to all your needs, assess your financial situation, and provide you with a plan to move forward. Purchase, First time homebuyers, Renewal, Refinance, Equity take out, Debt

consolidation, Rental/seasonal property. Special programs for Bruised credit, New to Canada, Self-employed and Stated income. Let me help you with your mortgage needs. It is my pleasure to help you achieve your goal of homeownership.

04/29/2026

No Change by the BOC today. Good news for variable, adjustable and home equity lines of credit holders - your rate has remained unchanged.

07/21/2025

Bill payments getting you down?

Consumer proposal keeping you up at night?

CRA wanting your overdue taxes?

Late payments and high utilization hurting your credit score?

You might be able to refinance and use equity in your home to pay off your debts. Reducing your monthly bill payments into one easy mortgage payment.

Let's see if I can help

Heather MacKay
Mortgage Agent
DLC A Better Way Mortgage Group
[email protected]
403-510-4345

01/29/2025

Another rate drop by the Bank of Canada today. Variable and HELOC mortgage holders will see a decrease in their rate. There is no direct impact for fixed rate mortgage holders.

12/31/2024

🎉 Happy New Year! As we step into 2025, I want to take a moment to express my gratitude to all my family, friends, clients, colleagues, realtors, underwriters and everyone along the way. Your support has been invaluable to me.

As we step into the New Year, I wish you a 2025 filled with endless love, laughter, joy, health, prosperity, and blessings ✨

Happy New Year 🥂

Heather ♥️

12/25/2024

Warmest wishes for a Merry Christmas filled with love, laughter and joy 🎄♥️

12/16/2024

Mortgage Insurer Key updates today

🔑 30-year amortization for insured mortgages

30-year amortizations are now available for insured mortgages. Available to first-time homebuyers and buyers purchasing newly built homes and condos.

🔑 Higher insured mortgage limits

Insured mortgages are now available for properties valued under $1.5 million, giving more buyers access to high-value homes with lower down payment.

How these changes benefit you and your clients

✔️ Reduced monthly payments

Extending amortizations to 30 years will lower monthly payments

✔️ Expanded opportunities for buyers

Higher insured mortgage limits make it possible for more buyers to purchase homes up to $1.5 million with less than 20% down payment.

12/11/2024

Another 50 BP rate cut from the Bank of Canada today.

If you have an adjustable rate mortgage or home equity line of credit (that is not locked into a fixed rate), you will see your monthly payment decrease. For Variable rate holders, more of your payment will be allocated to your principal payment.

10/28/2024

🚨 Financial Tip: Limit the number of credit card or loan applications you submit! 🚨

Each credit inquiry can impact your credit score, and multiple applications within a short period may signal financial stress to lenders. Instead, research thoroughly, choose wisely, and submit only essential applications. A healthy credit score opens doors to better financial opportunities!

10/24/2024

Don't Just Focus on the Rate! When searching for a mortgage, keep the 3Ps in mind:

1️⃣ Pre-Payment Options
2️⃣ Penalty Clauses
3️⃣ Portability Benefits

As your trusted Mortgage Agent, I simplify your mortgage hunt by connecting you with multiple lenders through a single application. Ready to start shopping together?

10/17/2024

Ever wondered what makes your credit shine? 🌟
It's the 5 C's of Better Credit! Let's break it down:

Character: Are you paying those bills on time?
Capacity: Can you comfortably handle that repayment?
Capital: How invested are you in your financial game?
Collateral: Got something valuable to back you up?
Conditions: What's happening in the world that might impact your ability to repay?

Master these, and you're on your way to financial awesomeness and a great credit score! 💳✨

10/14/2024

Happy Thanksgiving from my home to yours. Wishing you the a day full of gratitude and love with the people that are the most special to you.
🦃

Address

Okotoks, AB
T1S0C1

Website

https://www.heathermackaymortgages.ca/

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