As we spring toward summer (pun intended), I wanted to say thank you to everyone who supports my business. Like last year, many of you are already entered.
This year there will be three winners, and in the order names are drawn you’ll choose from:
🔸$250 donation in your name to @uniti4all , supporting inclusive housing in our community
🔸$300 Amazon gift card to choose your own prize
🔸Paddle board for summer adventures ($450 value)
How to enter:
🔸All clients and referrals between January 1 and June 1, 2026 are entered.
This includes:
🔸Clients who closed a purchase or refinance
🔸Past clients who referred someone
🔸Referral partners who sent a client my way
Still time to enter:
🔸Any new referral or mortgage that closes before June 1 will also be included.
Thank you for your trust and introductions that keep my business growing!
#giveaway #katymackenzie #mackenziemortgage
Six years running.
You voted me in again as your 2026 Top Choice Vancouver Mortgage Broker and I don’t take that lightly.

Thank you for the continued trust & support!

@topchoiceawards #topchoicemortgagebroker #topchoice #yourtopchoice #katymackenzie #mackenziemortgage
This one feels extra special…
@tmgcanada Summit 20 for 2025
Special for all the reasons you don’t always see on social. The challenges, the long days, the moments of doubt. But also the incredible clients, supportive partners, and the community of friends and family who reminded me why I love what I do.
Summit isn’t about the numbers. For me, it’s proof that building a business on integrity, working with soulmate clients, and creating real human connection is what truly matters.
Here’s to the lessons, the growth, and to everyone who walked alongside me this year. Thank you 🧡
#summit20 #TMGfamily #brokerlife #mywhy #katymackenzie #mackenziemortgage #morethanjustamortgage
A Contract of Purchase and Sale is a legal and binding contract.
If you decide you want out after the rescission period or once subjects are removed, it’s important to understand the risk may go far beyond losing your deposit.
Depending on the situation, a seller could pursue legal action for breach of contract including:
• the difference in sale price if the home later sells for less
• realtor fees to relist and resell
• legal costs
• carrying costs and other damages
Before signing an offer, make sure you fully understand the terms, timelines and your financing. Ask questions first, not after.
#contractofpurchase #katymackenzie #mackenziemortgage
One property and mortgage can absolutely impact the next or even another property you already own.
That’s why mortgages should never be looked at separately or handled piecemeal.
For example, if you’re renewing one mortgage today, you should also be considering how that decision could affect future plans, refinancing opportunities, equity access, qualification or another upcoming renewal.
What could change over the next term? How do you keep the most flexibility while also paying the least amount of interest possible over time?
This is where working with a Mortgage Broker gives you a huge advantage. Looking at the full picture matters.
#mortgagetips #katymackenzie #mackenziemortgage
AI can be a great tool but when it comes to one of the biggest financial decisions of your life, don’t rely on it alone.
I’ve recently had a few situations where clients were given completely incorrect mortgage advice online, including from ChatGPT. Confident answers don’t always mean correct answers.
Mortgage rules, lender policies & qualification details change constantly & one wrong assumption can cost you time, money or even your approval.
Use AI for ideas.
Use a mortgage professional for advice.
#mortgagetips #katymackenzie #mackenziemortgage
If you currently have an accepted offer on your home and your new purchase was approved subject to sale, pay close attention to closing dates right now.
We’re seeing some buyers ask for longer closings on the sale side, which can push things outside your original rate hold window. With rates having moved up recently, that can also mean a higher qualifying or stress test rate.
In some cases, you could lose your existing rate or no longer qualify for the same amount. Before agreeing to any extensions or date changes, reach out first. A quick review now can save a whole lot of stress later.
#subjecttosale #mortgagetips #katymackenzie #mackenziemortgage
50K in May complete ✔️
The kms are done, but the need is not.
What started as a fun challenge to get moving, stay accountable & spark a little friendly competition also became a reminder that for too many kids, access to breakfast still isn’t guaranteed.
Some children are showing up to school hungry every single day. @breakfastclubcanada is helping change that, but the need for support continues long after the challenge ends.
Grateful to be part of this with the amazing @tmgcanada crew, and thankful for everyone who donated, cheered us on, joined in or shared our posts. Every contribution matters.
And yes… there may have been some very competitive people involved @amykmortgages !
If you’ve been thinking about joining in, it’s not too late.
#50kinmay #breakfastclubofcanada #katymackenzie #mackenziemortgage
Property tax deferment just changed and it’s a bigger shift than it looks.
Up until now, deferred property taxes were charged at prime minus 2% with simple interest. It was one of the cheapest ways to carry a balance.
Starting this year, that flips. The rate is now prime plus 2%, and interest is compounding monthly. Same program, very different math over time.
The good news is anything you’ve already deferred stays under the old rules. You can still pay just this year’s taxes, leave the existing balance as is, and keep your deferment in place.
Where this matters most is deciding what to do going forward. What used to be an easy “yes” might not be anymore, depending on your overall plan.
If you’re currently deferring, or thinking about it, it’s worth a quick review. There may be better ways to structure it than just letting it ride.
#propertytaxdeferment #katymackenzie #mackenziemortgage
This market feels a bit… in between.
Spring is usually when the housing market picks up… and while things are starting to move, this year feels a little different.
There’s more inventory than we’ve seen in a while, but not enough to really shift affordability. Buyers are taking their time. Sellers are adjusting expectations. And a lot of people are still sitting on the sidelines, waiting to see what happens with rates.
The result? A market that feels a bit in between. Not as competitive as the peak years, but not exactly “easy” either.
And that’s where I’m seeing people get stuck… trying to figure out if they should wait, or move forward.
In this month’s blog, I break down what’s actually happening right now and why having a plan matters more than trying to time the market perfectly.
Read the full blog post via website in bio or stories.
#springmarket #katymackenzie #mackenziemortgage
