Renewals
What your renewal letter doesn't tell you
Your renewal statement is an offer, not a verdict. Here's what to check before you sign it, and why starting six months out changes what's available to you.
Last updated July 28, 2026
Insights
Written by me, about the files I actually work on.
Real numbers, real situations, no filler. If there's something you'd like explained, tell me and I'll write it.
Self-employed
Two years of T1s and a yes from the right lender
Why business owners' qualifying income looks lower than what they actually earn, and the established ways lenders bridge that gap.
Last updated July 21, 2026
First-time buyers
The real numbers for a first-time buyer in Kelowna
Down payment tiers, BC property transfer tax exemptions, FHSA and the Home Buyers' Plan — what a first purchase in the Okanagan actually requires.
Last updated July 14, 2026
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