Katy Mackenzie, Mortgage Professional

Katy Mackenzie, Mortgage Professional 🔸Top 20% Nationally
🔸Top Choice Mortgage Broker
🔸TMG Thought Leader of the Year
🔸CMP Top 50 Woman of Influence

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

The Bank of Canada hit pause again today, leaving its key interest rate unchanged. No change to variable rate mortgages,...
06/10/2026

The Bank of Canada hit pause again today, leaving its key interest rate unchanged. No change to variable rate mortgages, lines of credit or any product tied to prime.

The Bank is taking a wait and see approach. The economy has slowed, but inflation remains a concern, so they’re not ready to cut rates just yet.

As always, strategy matters more than headlines. If you’re wondering what this means for your mortgage plans call me!

This review highlights something many don’t realize when choosing a Mortgage Broker. It’s not just about finding the low...
06/09/2026

This review highlights something many don’t realize when choosing a Mortgage Broker. It’s not just about finding the lowest rate. It’s about having someone in your corner for the life of your mortgage.

Rates change. Life changes. Questions come up long after the keys are handed over. Should you break your term? Make a lump sum payment? Renew early? Refinance? That’s when having an experienced Broker who knows your situation really matters.

I’m incredibly grateful to work with clients who recognize the value in working together over the long term. If that resonates with you too I’d love to work with you too!

fever is building, and it got me thinking about how big a part of my life soccer used to be. I started playing outdoor ...
06/08/2026

fever is building, and it got me thinking about how big a part of my life soccer used to be. I started playing outdoor soccer when I was about 3 and kept going right through university before eventually switching to indoor. These days, the turf is a little harder on the body and, if I’m being practical, I really can’t afford to break anything. Occupational hazard when people are counting on you to get their mortgage approved!

I may not be playing anymore, but I still love the game and now cheer from the sidelines.

One of the unexpected perks of this career is the people I’ve met along the way. I see former Canadian National Team player as my physiotherapist, helping keep this aging body moving. She’s also co-owner of with fellow Canadian soccer superstar . They’re opening a new Mount Pleasant location soon, and if you’re looking for a great physio team, I’d absolutely recommend them.

Funny where life takes you. Soccer taught me discipline, resilience, and how to play the long game. These days, I just help people navigate a different kind of goal.

06/05/2026

Home inspection went well and you negotiated a lower price? Amazing! Before you sign that amendment, check in with your Mortgage Broker first.

If the issue is minor, the lender will usually just adjust the financing based on the new purchase price. But if the price reduction is tied to a major defect that won’t be repaired before completion, the lender may have concerns and could ask additional questions or conditions.

I’m also noticing a trend of inspections happening in the final days before subject removal. That can create a time crunch if the lender needs to review the report or provide further guidance. A lower price is exciting, but let’s make sure it doesn’t create an unexpected financing issue. A quick call before signing can save a lot of stress later.

Congratulations to our spring appreciation giveaway winners!🏄‍♀️ is looking forward to taking her yoga practice onto th...
06/02/2026

Congratulations to our spring appreciation giveaway winners!

🏄‍♀️ is looking forward to taking her yoga practice onto the water with her new paddleboard.
🎁 has chosen to use her Amazon gift card to brighten someone else’s day.
❤️ .weeks39 prize goes to , helping support their valuable programs in our community.

Thank you to everyone who referred friends and family, entered the draw, and engaged with questions about our charity of choice. Your trust, support, and business mean so much to me!

05/30/2026

Agreed 🐕 💕

05/27/2026

Rate hold windows matter, especially in a rising rate environment.

A lender will typically not extend a rate hold, so if your purchase outside that window, your approval can be impacted. Why? Because your rate doesn’t just affect your payment, it also affects your qualifying rate (stress test rate) and potentially the amount you qualify for.

Don’t risk your approval by entering into a contract outside your hold period without checking with your broker first!

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

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