Andrew Macrae
Low Rates | Creative Solutions | Exceptional ServiceWHY CHOOSE ME?
Andrew here! I’m a partner and mortgage expert with Bluetree Mortgages WEST, working in Kelowna BC. My office is located on Bernard Avenue in the downtown area however I’m also happy to assist you over the phone or by email, whatever is most convenient for you. I have been a mortgage professional since 2009 and I love what I do!
As a mortgage broker I provide you with access to a wide range of lenders including banks, trust companies, credit unions, and a wide range of mortgage specific lenders. Once we decide on a mortgage structure that works for you, my team will source the best rates and terms for approval and coordinate all the lender paperwork on your behalf. In almost all scenarios the lender pays my fee directly so you get the advice and service of a licensed mortgage professional, access to the best available rates, all at no cost to you.
As an added bonus, if we do meet at my office you’ll likely meet my dog Morten. Morten and I work together, he spends most days at the office with me. As a labradoodle he’s in charge of office security but also makes himself available to greet clients and entertain children.
I look forward to helping you with your next mortgage! 
Mortgage Services
Home Purchase
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. The market in BC is hot right now and having a clear plan is a must. That’s where I come in, I have the experience to help you make sense of all the numbers and provide you with mortgage options that meet your needs. Why be tied to a single lender when you can have options from several at no cost to you!
Refinance
Are you looking to refinance in order to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless of the reason, we can discuss all your mortgage refinancing options and I will be able to secure the mortgage that best meets your needs.
Renewal
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate. Give me a call, you don’t have to do the negotiations alone.
ARE YOU LOOKING TO BUY A NEW HOME, REFINANCE, OR RENEW AN EXISTING MORTGAGE?
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Employment Status | How it Impacts Your Mortgage Application
Chances are, if you're applying for a mortgage, you feel confident about the state of your current employment, or your ability to find a similar position if you needed to. However, your actual employment status probably means more to the lender than you might think....
Mortgage Post Bankruptcy
This should come as no surprise, but sometimes life throws you a financial curveball. Bankruptcy and consumer proposals happen. It doesn't mean your life is over, and it doesn't mean you won't ever qualify for a mortgage again. The key here is to get a plan in place...
Can I Give Someone The Downpayment to Buy My House?
Although it might not always be this straightforward, the question "Can I give someone the downpayment to buy my house?" presents itself in many different ways. And the answer to all of them is no, well... except in one circumstance, but we will get to that later....
LENDERS
I have developed excellent relationships with lenders across the country, let’s figure out which one has the best products for you.
CONTACT ME ANYTIME
Andrew Macrae
(250) 878-8609
amacrae@dominionlending.ca
