Cameron Mackie – Broker/Owner

Cameron Mackie is a veteran mortgage broker and entrepreneur known for simplifying complex lending scenarios for clients across Canada and the United States. With more than two decades of experience in residential construction, real estate, and mortgage financing, Cameron brings a rare combination of technical expertise, market insight, and cross-border knowledge to every file.  He is the Broker/Owner of Rateplicity Mortgage Corporation, also Founder of Snowbird Financial Consulting which supports international clients that require assistance with business and personal operations within the United States. Leader in Foreign National & Cross-Border Mortgage Financing Cameron is widely recognized for his deep expertise in foreign national financing—helping Canadians, international investors, and Snowbirds purchase property in the United States, especially in high-demand states like Florida, Arizona, and Texas.

• Deep mortgage knowledge in both Canada and the United States
• Ability to secure U.S. financing for Canadians and foreign nationals
• Construction and real-estate development background
• Transparent communication and proactive updates
• Solutions-focused approach for complex or non-traditional files
• Strong lender relationships on both sides of the border

Whether you’re buying a home in Canada, investing in U.S. real estate, or navigating the complexities of foreign national lending, Cameron delivers strategic, personalized financing solutions that make the entire process smooth and stress-free.

Cameron began his career in residential construction in 2002, working hands-on with site-plan approvals, municipal permitting, and new-build workflows. This foundation helps him deeply understand property value, renovation planning, asset risk, and long-term investment strategy.

In 2010, he founded his first brokerage office in Oakville, launching a client-first model focused on clarity, transparency, and competitive rates. That approach continues today through:

• Rateplicity Mortgage Corporation Canada – A trusted mortgage resource across Ontario and now Canada.
• Snowbird Financial Consulting – A guidance platform for Canadians living or investing in the U.S.
• Rateplicity Mortgage Corporation – A modern brokerage serving Canadians, international and American clients with cross-border and U.S.-investment mortgage programs.

Cameron now supports clients across Canada and the United States with industry- leading technology, streamlined application tools, and a service model built on communication and trust.

He works extensively with:

• Canadians buying second homes, investment properties, or vacation homes in the U.S.
• International buyers seeking U.S. mortgages without U.S. credit history.
• Snowbirds structuring financing, tax planning, and cross-border ownership properly.
• Foreign national investors utilizing DSCR loans, non-QM products, and alternative income programs.
• Canadians leveraging U.S. LLC structures, land trusts, and cross-border income strategies.

Through Rateplicity’s broad lender network including U.S. and Canadian banks, alternative lenders, and capital-market programs—Cameron provides customized mortgage solutions even when traditional lending falls short.