Getting Started

Congratulations!

You’ve decided to begin your search for a new home, or perhaps you’ve already found the home of your dreams and are ready to make an offer. It’s now time to consider your mortgage options. With so many different choices available, how do you choose the right mortgage?

As mortgage professionals, we want to help you find the product that best fits your needs. Whether purchasing a home, renovating your current home, helping your children, or purchasing an investment or vacation property – investing in real estate is a major decision. Our goal is to help make your experience a positive one. In addition to arranging mortgage financing, we are able to help you with:

Education – the better prepared you are, the less stressful the process

Mortgage Check-ups – to ensure your mortgage is working for you

Credit coaching – if you have had credit problems we can suggest ways to improve your credit

Renewal Watch – advise you when rates drop to the point that it will save you money to renew your mortgage early

Options – we can explain the different scenarios that will assist you with saving for your children’s education, buying a vacation property or strategies for retirement

There’s absolutely no charge for our services on typical residential mortgage transactions. Like many other professional services, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution.

Some of the benefits of working with us include: 

  • Independent advice regarding your financial options
  • “One-Stop” shopping – we negotiate with multiple lenders on your behalf
  • Access to multiple lenders
  • Ongoing consultation and support

Because our work hours are flexible, we can work on your mortgage any time. We are available evenings and weekends, which means you don’t have to book time off work to get a mortgage. We are happy to meet with you either by phone or in person (depending where you are), and are always just a call away to answer any questions you have.

Our service and support do not end once you have your mortgage – we are available to answer questions whenever you need help.

Choosing the right lender, and the mortgage that best suits your needs, is an important decision.  We want to help make the process a smooth one for you.  Let us help you achieve your dreams!

MORTGAGE PRE-APPROVAL – KNOW WHAT YOU CAN AFFORD

MORTGAGE PRE-APPROVAL – KNOW WHAT YOU CAN AFFORD

Before you venture out to look at houses for sale, it is a good idea to meet with your mortgage professional to complete an application and determine how much you are qualified to borrow. This will help you determine the price range you can be looking at, as well as...

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MORTGAGE TERMINOLOGY

MORTGAGE TERMINOLOGY

Trying to make decisions regarding your mortgage can seem a little overwhelming if you are not comfortable with the terminology. Below are some of the common terms you are likely to hear. If you are meeting with your mortgage broker and you are not clear about the...

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MORTGAGE CLOSING COSTS

MORTGAGE CLOSING COSTS

You’ve done your homework – saved your down payment, met with your mortgage broker and are pre-approved for a mortgage, connected with a reputable realtor, and chosen a lawyer. You’re off to a great start in the purchase process. As you move forward, keep in mind that...

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Your Kelowna Mortgage Brokers

Whatever your personal circumstances, Laurie Baird and Tracy Head will analyze your financial situation and recommend mortgage options that best suit your needs. Laurie and Tracy are the mortgage professionals that will help find the right mortgage solution for you.

Contact us today to find out how we can make owning your home and managing your mortgage more affordable and worry-free! We provide complimentary consultations and offer advice and guidance to help you realize your goal of home ownership sooner.