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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm

Katy Mackenzie, Mortgage Professional

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Katy Mackenzie, Mortgage Professional

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BC Mortgage Broker with TMG The Mortgage Group Inc. Mortgage advice with integrity & simplicity. Here for the life of your mortgage.

Vancouver Mortgage Professional with TMG The Mortgage Group servicing clients all over beautiful BC.

10/31/2026

Trick or treat 👻

10/30/2026

I’ll be the first to admit it, sometimes mortgages are not fun.

Paperwork loaded with jargon you’ve never heard of, documents needed to satisfy every AML & BCFSA MSA requirement (speaking of jargon) & let’s not forget the emotional rollercoaster of excitement that sometimes feels a whole lot like fear.

But what are we here for if not to challenge ourselves in all the best ways?

And when it all starts to feel a little overwhelming? Dance it out (the floss is my personal favourite), get weird, have a laugh & remember that this is supposed to be exciting too!

Having the right Mortgage Broker to help you navigate the complicated stuff, keep things in perspective & remind you to have a little fun along the way? Well, that helps too!

10/29/2026

Meeting with your bank to discuss your mortgage renewal? Make sure the meeting is actually about your mortgage.

I understand banks want to build stronger relationships with their clients by offering additional products & services. Nothing wrong with that, but you should know upfront if that’s part of the conversation & have the opportunity to say no thanks.

Your mortgage renewal deserves time, attention & a strategy that works for you. That’s where a Mortgage Broker comes in. We focus on your mortgage, review your options across multiple lenders & help you build a strategy that makes sense for your financial goals, not just what’s available at one bank.

Your mortgage is the reason for the meeting. It should be the priority!

10/28/2026

What does the Bank of Canada rate increase mean for you?

Variable Rate Mortgage (VRM)
▫️Your interest rate will increase as your lender prime increases.
▫️Your payment generally stays the same, but more goes towards interest & less towards your mortgage principal.
▫️If you’re approaching your trigger rate, a payment adjustment may be required.

Adjustable Rate Mortgage (ARM)
▫️Your interest rate will increase as your lender prime increases.
▫️Your mortgage payment will increase to reflect the higher interest cost.

Home Equity Line of Credit (HELOC)
▫️Your interest rate will increase as your lender prime increases.

Qualifying for a Mortgage or HELOC
▫️Higher variable rates can mean qualifying at a higher stress test rate.

What About Fixed Mortgage Rates?
▫️Bank of Canada rate change does not directly impact fixed rates.
▫️Fixed rates are influenced primarily by the bond market.

Key takeaway? Not all mortgages are impacted the same way. Understanding how your mortgage is structured & what rising rates mean for your finances is important.

10/26/2026

A Fire Dragon in a Fire Horse year under a Hunter’s Full Moon.

Determined, fiercely loyal & not afraid of a challenge. Great qualities in a Mortgage Broker!

10/23/2026

Halloween costumes are ready! 🔎🌭🎃

10/22/2026

Thinking of cutting ties with your current mortgage?

There are plenty of reasons you might consider making a move before your mortgage term is up & it’s not always about getting a lower rate. Here are a few worth exploring:

🔸Paying a higher rate than what’s available today? Sometimes breaking your mortgage early, paying the penalty & securing a lower rate can save you money over the remainder of your term.

🔸Worried about where rates are headed? Depending on your lender, you may be able to renew early & secure today’s rates rather than waiting until maturity and potentially facing higher rates down the road.

🔸Moving to a new home? You might not have to break your mortgage at all! Many mortgages are portable, meaning you could take your existing mortgage with you to your next property, subject to lender approval.

🔸Looking to access your equity? Renovations, consolidating higher-interest debt, helping your kids buy their first home or simply putting your equity to work. Refinancing could open up some options.

But just because you CAN break your mortgage doesn’t mean you SHOULD! There can be costs to making a move, and those need to be weighed against the potential benefits. I can review your penalties, potential interest savings, refinancing costs & available options to help you understand what actually makes financial sense for you. Sometimes the best move is to break free. Other times, it’s to stay exactly where you are.

10/21/2026

Yes, the new MSA forms are required for each new mortgage, even if we’ve worked together before.

A few growing pains as we all adjust! I hear you, but the added protections are worth it.

Address

105-1385 W 8th Avenue
Vancouver, BC
V6H3V9

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://mackenziemortgage.com/

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