Donna McKenzie

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Canada
Toronto, ON
Donna McKenzie

I have been in the mortgage industry with Mortgage Alliance for the last 15 years. I have helped many people pl

I have a passion for customer service and will work with you through the entire mortgage process allowing you to turn your dreams into reality.

08/18/2025

If your mortgage is up for renewal in the next 4–6 months, now is the perfect time to start planning — because locking in your rate early can save you money and give you peace of mind.

Here’s why early action works in your favour:
✅ You can secure today’s rate — even if rates rise later
✅ You get time to review multiple lender offers — not just your current one
✅ You’ll avoid the last-minute rush and make a more confident decision
✅ It gives you room to explore refinancing, adjusting terms, or even switching lenders

💡 Renewal isn’t just a routine step, it’s a chance to reset your mortgage strategy and make sure it still fits your goals.

📲 Let’s review your options together and lock in a rate that works for you.

08/11/2025

The Bank of Canada estimates that nearly 60% of mortgage holders will see higher payments by 2026 — especially those with fixed-rate terms set to renew.

But here’s the good news: you have options — and with the right strategy, you can minimize the impact and even come out ahead.

As your mortgage broker, I can help you:
✅ Review your renewal options early
✅ Compare rates across multiple lenders
✅ Explore ways to adjust your term or amortization
✅ Create a plan that fits your current lifestyle and future goals

💡 Renewing your mortgage isn’t just a deadline — it’s an opportunity to renegotiate and realign your finances. The earlier we start the conversation, the more power you’ll have at the table.

📲 Let’s chat before your renewal date. A few months of planning can make a big difference in what you pay.

08/05/2025

Trade tensions, economic slowdowns, and inflation concerns are making headlines — but what does that mean for Canadian homebuyers?

While global uncertainty can affect interest rates and the broader economy, it also creates opportunities for buyers who are informed and ready to act.

Here’s how you can stay ahead:
✅ Take advantage of rate dips when they happen
✅ Get pre-approved to lock in today’s rate before any changes
✅ Work with a broker (👋) who can help you navigate shifting conditions with confidence

📉 As the market adjusts, so do the opportunities — and being proactive can put you in a strong position to buy smart and save big.

📲 Message me to get started — your best move starts with a smart plan.

07/28/2025

When it comes to getting a mortgage, you’ve got options — and they’re not all the same.

The Bank:
🔒 One set of products
💬 Advice limited to what they offer
📋 Stricter qualifying criteria

A Mortgage Broker:
🛍️ Access to multiple lenders — including big banks, credit unions, and alternative lenders
📊 Unbiased advice tailored to your needs
🤝 A real human advocating for your best deal — at no cost to you

💡 Think of it this way: Going to a bank is like shopping at one store. Working with a broker is like having the whole mall at your fingertips.

📲 Let’s find the mortgage that fits you, not just your paperwork.

07/22/2025

Buying your first home is exciting — but it can also feel overwhelming. That’s where we come in.

Mortgage Brokers specialize in helping first-time buyers understand the process, explore all their options, and feel confident every step of the way.

Here’s how:
✅ Break down your budget and buying power
✅ Compare rates and lenders — not just the banks
✅ Help you access first-time buyer programs & incentives
✅ Guide you from pre-approval to keys in hand

You deserve more than just a mortgage — you deserve advice, support, and a plan tailored to your goals.

07/15/2025

Want to knock years off your mortgage and save thousands in interest? It might be easier than you think.

Here’s the tip: Making just one extra payment per year or switching to accelerated bi-weekly payments can make a massive difference over the life of your mortgage.

Let’s break it down:
✅ A small extra payment of $100/month can save you tens of thousands over 25 years
✅ Accelerated bi-weekly payments mean you make one extra full payment each year — which goes straight to your principal
✅ Paying down principal faster = less interest paid over time and mortgage freedom sooner

💥 It’s not about stretching your budget — it’s about working smarter with what you already pay.

07/08/2025

Did you know that nearly 60% of Canadian mortgages are coming up for renewal in the next two years? If yours is one of them, there’s a lot to gain by starting the conversation early — especially with interest rates beginning to ease.

Here’s why timing matters:
✅ You may not need to accept your lender’s first offer — it’s often not the best one.
✅ A proactive renewal strategy could help you save thousands in interest.
✅ You can explore new options that better suit your current lifestyle and financial goals.

Whether you're looking to lower your monthly payment, switch from variable to fixed (or vice versa), or tap into your home equity — we’re here to guide you through it all.

📆 Don’t wait until your renewal notice arrives. Let’s get ahead of it now and explore how today’s changing rate environment could work in your favour.

06/30/2025

📉 A low rate is great — but it’s not the whole story.

When it comes to mortgages, details like prepayment privileges, penalties, and portability can make a big difference in the long run.

I’ll help you look beyond the rate and understand all the factors so you can make a confident, informed decision.

📲 Let’s chat about the full picture.

06/23/2025

☀️ Dreaming of a summer upgrade?

Whether it’s a new kitchen, a backyard retreat, or the deck you’ve always wanted — your home equity can help make it happen.

Let’s chat about how to turn your renovation plans into reality. 🛠️🏡
📲 Send me a message to get started!

06/16/2025

📉 Fixed or Variable — What’s Right for You?

As 2025 brings shifting market conditions and lower rates on the horizon, more homeowners are revisiting their mortgage strategy. Fixed offers peace of mind. Variable brings flexibility. Which one fits your goals?

The answer isn’t one-size-fits-all — it depends on your risk comfort, budget, and future plans.

💬 Reach out and we will break it down together.

06/10/2025

⏳ Is your mortgage coming up for renewal?

You're not alone — with 76% of Canadian mortgages set to renew by the end of 2026, it's the perfect time to review your options. 📊

From rate changes to refinancing opportunities, I can help you navigate the renewal process with confidence and find the solution that fits your goals.

📩 DM me to get started or schedule a quick renewal review!

05/27/2025

Co-signing a mortgage involves a third party agreeing to make mortgage payments if the buyer cannot. If a hopeful home buyer’s income or credit score aren’t sufficient to qualify for a home loan, they might consider finding a trusted friend or family member to act as a mortgage co-signer.

Here are three reasons why you might need a co-signer on your mortgage:
1️⃣ You have a short or non-existent credit history.
2️⃣ Your credit score is too low
3️⃣ There are questions about your income (for example not earning enough, or unstable income)

Address

Toronto, ON

Telephone

+14168070716

Website

http://www.mortgagealliance.com/donnamckenzie

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