Welcome To Smart Rates

Randy and Susan Cowling are the owners of Mortgage Alliance Meridian Mortgage Services. Together, they have over 45 years of real estate, finance and investment experience. Recently, Randy and Susan sold the Meridian Financial Services franchise network of mortgage brokerages to The Mortgage Alliance Company of Canada. Prior to the sale, Meridian operated 23 franchises throughout British Columbia and Alberta with mortgage sales approaching $1billion dollars annually.

Michelle Beet is one of Canada’s leading mortgage brokers who has helped over a thousand clients with their home financing. She currently sits on the CMHC Broker Advisory Group and is a past member of the Genworth Broker Advisory Panel, the Macquarie Broker Advisory Board as well as the Broker Board of Advisers for Firstline Mortgages. As such, representing Mortgage Brokers and Borrowers alike to some of the largest mortgage insurers and lenders in Canada.

The purpose of this blog is to interpret financial and economic news in layman’s terms because we are just that…laymen! Consider this blog a street level view of markets, politics and anything else we consider has an effect on real estate values.

Feel free to comment or email with any questions and of course, we are here to assist with all your mortgage needs!



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