As a Canadian Mortgage Professional, I specialize in the following areas to help you get the best mortgage. Please feel free to contact me anytime to discuss your unique requirements.

First Time Home Buyers Mortgage

Are you in the market for a First Time Homebuyer Mortgage? A First Time Homebuyers Mortgage has its advantages. The government offers you programs to assist you in making the process easier as well as more affordable.


Commercial Mortgages

Commercial mortgages are secured to commercial real estate or an investment property that is typically over and above 4 units. (i.e. apartment building, office building etc)


Purchasing a Foreclosure

Are you looking at purchasing a foreclosure? You will require Foreclosure Financing. Foreclosure Financing does require more due diligence on your part. The purchase of a foreclosure property differs somewhat from the purchase of a regular property.


Mortgage Refinance

What is a Mortgage Refinance? A Mortgage refinance is accessing equity in your home to pay any unforeseen expenses that arise. You can access up to 80% of the appraised value of your home so have your equity work for you.


Chip Reverse Mortgage

Wouldn’t it be nice if you had the money to do more of the things you want to do?  It’s the simple and sensible way to unlock the value in your home and turn it into cash to help you enjoy life on your terms.


Debt Consolidation

What is Debt Consolidation and how does it benefit you? Did you know that you can use your home equity to consolidate high interest rate loans and credit cards? Furthermore, debt consolidation is a great way to save you money. It eliminates high interest debt and lowers your monthly payments.


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Make your dream home a reality!

Mortgage Broker in BC specializing in Penticton and the Okanagan

Residential and Comercial Mortgages available.

First Time Home Buyer Mortgages

The government has available various programs to assist in your first home buying experience.

The First-Time Home Buyer Incentive

The Government of Canada will secure up to a 5 � 10% equity in your home.� There are no payments required for their portion of the equity.� The equity is paid back upon sale of the home or after 25 years, whichever comes first.

The Incentive does not assist towards your downpayment.� The Incentive will assist in reducing the monthly mortgage payment which will make it more manageable for first time homebuyers.

Current guidelines can be reviewed at the�Canadian Housing and Mortgage Corporation.

Homebuyers Plan

The Homebuyers Plan allows the First Time Home-buyer to borrow up to $25,000 from your RRSP for your down payment.� This is tax-free and must be paid back within a specific period of time to avoid paying the taxes.� Furthermore, if you are purchasing with another individual who is also a First Time Home-buyer, both parties can borrow from their RRSPs for a grand total of $50,000.

Current guidelines can be reviewed at Revenue Canada.

Property Transfer Tax Exemption

In BC,� property transfer tax is payable upon the purchase of a home. First Time Homebuyers are eligible for an exemption up to a purchase price of $525,000.� Property Transfer Tax is calculated as follows:� 1% on the first $200,000, 2% of the amount over $200,000 and 3%� over $2,000,000.

Current guidelines can be reviewed at�Government of Canada Taxation Department.�

Refinance your existing mortgage to debt consolidate or for a better rate on your mortgage

Purchase the home of your dreams with a low rate mortgage

Second Mortgages

Investment Mortgages for Second Properties


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