Mortgage broker in Kelowna
My office is on Harvey Avenue, and Kelowna is where most of my files are. Purchases, renewals, refinances and self-employed applications.
I've built my practice here, and knowing the local market matters more than people expect. Kelowna has a wide spread of property types — older homes in Rutland and Glenmore, newer builds in the Upper Mission, strata units downtown, acreage out toward East Kelowna — and lenders don't treat them all the same way. A home with a legal suite, a property on a well, an older strata with a special levy coming: each of those changes which lender is the right one to approach.
The same goes for what the city allows. Kelowna's rules on secondary suites and carriage houses affect both what a property is worth and how a lender reads the rental income. If you're buying with a suite in mind, that's worth a conversation before you write an offer rather than after.
Coming in to see me
The office is at 1751 Harvey Ave #210, Kelowna. Plenty of people prefer to sit down and go through the numbers in person, and I'm glad to. Just as many do the whole thing by phone, email and e-signature — both work.
What I can help with in Kelowna
First-time buyers
Down payment minimums, the stress test, BC Property Transfer Tax exemptions, FHSA and HBP — explained in plain numbers.
LEARN MORE →Self-employed & BFS
Two years of T1 Generals, add-backs, retained earnings. The right lender reads the whole story, not just line 15000.
LEARN MORE →Renewals
Your lender's renewal letter is an opening offer. Knowing what else is available is what gives you options.
LEARN MORE →Refinance & debt consolidation
Pulling equity out, consolidating higher-interest debt, or funding a renovation. The penalty math matters — I run it first.
LEARN MORE →Reverse mortgages
Age 55+, no monthly payments, up to 55% of your home’s value. A real option in the right situation — and often not the cheapest one.
LEARN MORE →Rental & investment
Rental offset vs. add-back, portfolio limits, and which lenders will go past four doors.
LEARN MORE →Construction & self-build
Draw schedules, holdbacks and stage appraisals. A different animal from a standard purchase.
LEARN MORE →New to Canada
No Canadian credit history yet? There are programs built exactly for this, and most people never hear about them.
LEARN MORE →Alternative & private
Credit unions, B lenders and private financing — for income, properties or timelines a bank's template doesn't fit. A bridge, with a planned way back.
LEARN MORE →Let's talk about your application.
Send me a few details and I’ll come back to you the same business day. From there we can have a proper conversation about what makes sense for you.
Prefer to talk? 250 328 5772