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Laura MacCormack - Clever Lending Mortgage Broker

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Canada
Vancouver, BC
Laura MacCormack - Clever Lending Mortgage Broker

Mortgage Broker with VERICO Compass Group Inc. Home Purchases, Mortgage Renewals, Debt Consolidation and more. You don’t pay me.

Clever Lending - Mortgage Broker with VERICO Vivid Mortgage Inc. Laura MacCormack
c. 778.388.4240
f. 604.398.2770
[email protected]

Finding a great mortgage can be stressful and time consuming, but at VERICO we've been delivering the best rate for tens of thousands of satisfied clients for nearly a decade. Finding the right mortgage for you is our business. We know which lenders have the b

est rates and we negotiate with multiple lenders at one time. VERICO Mortgage Professionals are compensated by the lenders, and in most cases we offer our services free of charge. I am an independently trained professional licensed to represent and provide you with the best advice for your mortgage and financing needs. My primary expertise is locating funding for mortgage financing. I know which lenders have the best rates and I negotiate with multiple lenders at one time. What's more, I know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing. I take great pride in the service I provide and rely on referrals and your repeat business. I am not an employee of any lending institution, so I am not limited in the products I can offer you. As a full service mortgage professional, I work closely with you and your lender as well as your real estate representative, lawyer, appraiser and home inspector to ensure that your transaction proceeds smoothly. In most cases there is no cost to use the services of a Mortgage Professional. The bank or lending institution does. With the wide assortment of options and features available for mortgages today, shopping around takes significant time and effort. The mortgage process in today's marketplace is intimidating to many homebuyers so it pays to have a mortgage professional on your side to ensure the mortgage is right. I utilize the latest information from lending institutions, and the negotiating power of Canada’s most influential mortgage brokerage. I will work to find you the best mortgage at the best rate. I look forward to hearing from you soon!

02/27/2026

Thinking about buying, renewing, or refinancing in 2026? 🏡🇨🇦

The mortgage landscape in Canada has changed a lot over the last 2–3 years:

Rates have come off their peak, but approval rules are still tight.

Penalties, portability, and fine print matter more than ever.

As a mortgage professional, I help you:

1. Understand what you can actually afford under today’s rules

2. Compare banks, credit unions, and non bank lenders (not just the rate)

3. Structure your mortgage to fit your life: prepayments, penalties, future moves, and renovations

If you’re planning to:

1. Buy this year

2. Renew in the next 6–12 months

3. Refinance to consolidate debt or free up cash flow

Send me a message and I’ll walk you through your options in plain language—no pressure, just clarity so you can make a confident decision.

06/11/2025

Thinking about buying a home in Vancouver this summer? You're not alone!

Summer 2025 is shaping up to be an exciting (and competitive) time in the the Vancouver real estate market. Whether you're a first time home buyer or looking to move, here are a few things to keep in mind.

1. Do your homework: Vancouver's neighbourhoods each have their own vibe- whether you are drawn to the energy of Mount Pleasant, the charm of Kitsilano, or the quiet of the North Shore, make sure it fits your lifestyle.

2. Get pre-approved: With the interest rates and market conditions changing, having your financing lined up gives you a serious edge.

3. Think long-term: whether it's your forever home or a stepping stone, consider how the property fits your future plans.

4. Work with a local pro: The right real estate agent will know how to navigate Vancouver's unique market and help you make a smart, informed decision.

Summer is a great time to explore opens houses, walk the neighbourhoods, and find the home that feels right. If you are planning to buy this year, now's the time to get ready!

Let me know if you're on the hunt - or if you have already found your dream place. I'd love to hear your journey.

05/28/2025

📉📈 Interest Rate Volatility – What’s Going On in Canada? 🇨🇦

If you feel like interest rates have been on a rollercoaster lately—you’re not wrong. Between rising inflation, shifting economic data, and the Bank of Canada trying to walk a tightrope between cooling the economy and avoiding a recession, we’ve seen a lot of rate volatility this year.

💥 Fixed rates are moving in response to bond markets, which have been bouncing around depending on global events, inflation reports, and central bank forecasts.

💥 Variable rates are tied directly to the Bank of Canada’s overnight rate, and while we’re finally seeing signs that cuts may be coming, nothing is set in stone.

💬 What does this mean for you?

If you’re in a variable rate, you may be feeling the squeeze—but relief could be on the horizon.

If you're thinking about locking in a fixed rate, timing matters more than ever.

If you're buying, refinancing, or renewing, it’s a good time to talk strategy.

🏡 In uncertain times, having a clear mortgage plan makes all the difference. If you want to explore your options or just understand what’s going on behind the scenes, I’m happy to chat.

05/14/2025

Spring is in the air, and you know what that means...it's time to refresh and reset!

Spring Cleaning isn't just about dusting shelves and airing closets (though yes, that too). It's the perfect opportunity to declutter your space and your life:

Around the house:

* Toss or donate items you haven't used in the last year.

* Deep clean those "out of sight, out of mind" spots (looking at you junk drawer).

* Bring in some fresh energy with a new layout, plants, or just some open windows!

In your Finances:

* Review your subscriptions - are you still using them all?

* Check in on your budget and savings goals.

* Organize your files (digital and paper) and prep for any tax needs.

A clear space and clear finances = peace of mind. Who else is tackling a full-life spring refresh this season? Let's share tips and keep each other motivated!

04/02/2025

💳🔄 Struggling with Multiple Debts? Debt Consolidation Might Be the Answer! 💰✅

If you’re juggling credit cards, loans, and other debts, consolidating them into one manageable payment can help simplify your finances and save you money. Here’s what you need to know:

✅ Lower Your Interest Rate – High-interest credit cards can drain your wallet. A consolidation loan or line of credit often comes with a lower rate, reducing the total interest you pay.

✅ Simplify Your Payments – Instead of tracking multiple due dates and balances, you’ll have just one monthly payment, making it easier to stay on top of your finances.

✅ Boost Your Credit Score – Paying off high-interest debt and making consistent payments on a consolidation loan can improve your credit score over time.

✅ Improve Your Cash Flow – Lower interest and extended repayment terms can free up extra cash in your monthly budget for savings or other financial goals.

💡 Important Tip: Not all debt consolidation options are created equal. Whether it’s a personal loan, home equity line of credit (HELOC), or balance transfer credit card, make sure the terms work in your favor!

Thinking about consolidating your debt? Let’s chat and see if it’s the right move for you! 📩💬

03/26/2025

🌸💰 Financial Spring Cleaning: Refresh Your Money Habits! 💳✨

Spring is the perfect time to declutter—not just your home, but your finances too! Here are some simple steps to get your money in top shape for the year ahead:

✅ Review Your Budget – Take a fresh look at your income and expenses. Are there areas where you can cut back or save more?

✅ Tackle Your Subscriptions – Check for unused or forgotten subscriptions. Cancel anything that’s no longer serving you.

✅ Check Your Credit Score – A healthy credit score can save you money on loans and credit cards. Review your report for any errors and look for ways to boost your score.

✅ Pay Down Debt – High-interest debt is a financial drain. Make a plan to tackle it, whether through extra payments or refinancing options.

✅ Maximize Your Savings – Set up automatic transfers to your emergency fund or investment accounts. Even small contributions add up!

✅ Review Your Mortgage & Loans – Interest rates change—see if refinancing or renegotiating your mortgage could save you money.

✅ Update Your Insurance & Investments – Make sure your policies and portfolio still align with your goals and needs.

A little financial spring cleaning now can set you up for success all year long! What’s on your money to-do list this season? Drop a comment below! ⬇️💬

03/19/2025

🏡 Thinking About Refinancing Your Mortgage? Here’s What You Need to Know! 💰

Refinancing your mortgage can be a smart move to lower your interest rate, access home equity, or consolidate debt—but it’s important to do it right. Here are some key tips to consider before making the decision:

✅ Know Your Goal – Are you looking to lower your monthly payments, pay off your mortgage faster, or access equity for renovations or investments? Understanding your objective helps you choose the right refinancing option.

✅ Check Your Credit Score – A higher credit score can get you better rates and terms. If your score has improved since you first got your mortgage, you might qualify for a lower rate.

✅ Compare Rates & Lenders – Don’t just stick with your current lender. Shop around and compare rates, fees, and terms to find the best deal.

✅ Consider the Costs – Refinancing isn’t free. There may be legal fees, appraisal costs, and potential penalties for breaking your current mortgage. Make sure the savings outweigh the costs.

✅ Think About Fixed vs. Variable Rates – With interest rates fluctuating, deciding between a fixed or variable rate depends on your risk tolerance and financial goals.

✅ Look at Your Loan Term – Extending your term can lower your payments, but you might pay more interest in the long run. Shortening your term can help you pay off your mortgage faster but may increase your payments.

Refinancing can be a game-changer if done strategically! Need help figuring out if it’s the right move for you? Feel free to reach out—I’d be happy to chat. 📩💬

03/14/2025

Thinking about a mortgage? Here's why a mortgage broker might be your best bet!

If you're in the market for a mortgage, you might be wondering : Should I go with a bank or a mortgage broker? While banks offer their own products, a mortgage broker works for YOU - shopping around to find the best rates and terms from multiple lenders.

Here's why working with a mortgage broker is a smart move:

✅ More Choices, Better Rates - Brokers have access to multiple lenders, including some with lower rates than what banks offer directly.

✅ Tailored Solutions - Whether you're a first-time home buyer, self-employed, or have unique financial circumstances, brokers find mortgage options that fit your needs.

✅ Save Time & Effort - Instead of applying at multiple banks yourself, a broker does the heavy lifting - comparing lenders and negotiating on your behalf.

✅ Expert Advice & Guidance - Brokers understand the mortgage market and can explain your options in plain english, ensuring you make an informed decision.

✅ No Cost To You - In most cases, brokers are paid by the lender, meaning you get expert help at no charge!

If you are looking for the best mortgage deal with less stress, a mortgage broker is the way to go. Thinking about buying or refinancing? Let's chat!

02/05/2025

Are you a first time home buyer considering purchasing a home in 2025? Don't find yourself in financial shock, here are some of the additional costs that can easily get missed when preparing your budget.

*PROPERTY TAXES - First-time homebuyers should budget for property taxes, as they can significantly impact monthly payments. These taxes, based on your homes value, may increase due to market changes or local government projects. Plan for future increases to avoid financial strain.

*LAND TRANSFER TAXES - In Canada, most provinces charge land transfer taxes, Except Alberta and Saskatchewan. Toronto adds and extra municipal tax, increasing costs for buyers. The good news, first time home buyers may qualify for rebates in some provinces easing some financial burden.

* HOME INSURANCE - Home insurance is another cost to consider when buying as it can be more expensive than renters insurance especially if you are in an older home or a high risk area. Something to remember is that if you making any significant home updates like an addition to the home or a pool this needs to be updated on your policy which can also raise your premiums.

*MAINTENANCE AND REPAIRS - First time home buys should budget for maintenance and repairs, from minor fixes to major issues like roof replacements. Delaying repairs can lead to higher costs, and regular upkeep like gutter cleaning and repainting also adds up. Setting aside funds for unexpected expenses helps keep your home in good shape without financial strain.

*HVAC SYSTEMS - First-time home buyers should budget for HVAC Maintenance and replacement, as these systems can be costly. Furnaces and air conditioners can last about 20 years and replacements can cost thousands. Older systems are are less energy-efficient, leading to higher bills, while upgrading can save money but requires a significant investment. Homes with multiple systems may face double costs.

* LAWN CARE - Lawn care is an often-overlooked expense for new home owners. Hiring a service can cost over $200 monthly, while DIY care requires investing in tools and equipment as well as time and effort. Be sure to include these costs in your budget.

Handling the hidden costs of home ownership can be tough, these tips should help get you on track for avoiding financial surprises, saving you money and ensuring a comfortable living space from the get go.

02/03/2025

Reminder for city of Vancouver home owners, don't forget those Property taxes and empty home tax declarations are due by Tuesday February 4th, 2025.

12/30/2024

As 2024 wraps up, the Vancouver real estate market continues to show its resilience and adaptability. Here’s what we’re seeing this December:

✅ Buyer Trends: While winter is traditionally a quieter season, motivated buyers are taking advantage of reduced competition in the market. Subject-free offers are still a consideration in some areas, but more buyers are seeking opportunities to negotiate.

📉 Inventory Levels: Inventory remains tight in key neighbourhoods, which has helped stabilize prices. If you’re thinking of listing, now is a great time to stand out before the spring rush!

💵 Pricing: Prices have shown steady growth over the past year, particularly in detached homes and townhouses. However, condos in certain areas have seen more balanced activity, giving first-time buyers room to enter the market.

📊 What’s Ahead for 2025: With interest rates expected to hold steady into the new year, we anticipate continued buyer demand, especially as the Vancouver market remains a desirable place to live and invest.

Whether you’re looking to buy, sell, or just curious about what’s happening in the market, let’s connect! The holiday season is a great time to reflect on your real estate goals for the year ahead.

Address

422 Richards Street #170
Vancouver, BC
V6B2Z4

Opening Hours

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

Website

http://www.cleverlending.com/

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