Your bank offers one set of products. I work independently, which means I have access to dozens of lenders — banks, credit unions, and mortgage companies — and I shop on your behalf to find the right fit for your situation. You get more options, unbiased advice, and in most cases, no cost to you. My fee is paid by the lender once your mortgage closes.

I've been arranging mortgage financing since 2008, so I've helped clients through every kind of market — rising rates, falling rates, and everything in between. I'm part of Indi Mortgage, The Independent Mortgage Company, which gives me access to a wide range of lenders and products. My team and I work with clients across British Columbia, from Kamloops and the Thompson-Okanagan to the Fraser Valley, Shuswap, Kootenays, and Northern BC.

In most cases, no. My services are typically provided at no cost to you — the lender compensates me directly when your mortgage is arranged. In situations that require private lending or more complex financing, I'll always explain any fees clearly before we move forward. No surprises — that's how I operate.

Pretty much everything. Whether you're buying your first home, purchasing an investment property, refinancing to access equity, consolidating debt, renewing your mortgage, or navigating a divorce or separation — I can help. I also work with self-employed borrowers, newcomers to Canada, seniors, clients with credit challenges, and those who need private lending solutions. If a mortgage is involved, let's talk.

Yes, credit challenges don't automatically close the door. The options available to you depend on your specific situation — the nature of the credit issue, your income, your down payment, and how long ago the issue occurred. I work with lenders who specialize in non-traditional credit profiles, and I'll give you an honest picture of where you stand and what the path forward looks like.

Private lending is mortgage financing provided by private investors rather than traditional banks or institutional lenders. It typically comes with higher rates and shorter terms, but it can be a practical solution when someone doesn't qualify conventionally — due to credit issues, income structure, or a time-sensitive purchase. I treat it as a bridge, not a long-term strategy. If it's the right tool for your situation, I'll explain exactly how it works and what it costs.

Yes, and for many homeowners it's one of the smartest financial moves available. If you've built up equity in your home, you may be able to roll high-interest debts — credit cards, car loans, lines of credit — into your mortgage at a much lower rate. That means one manageable payment instead of several, and often significant savings over time. We'd look at your full picture together to see if the numbers make sense.

Absolutely. Self-employed borrowers can and do qualify — the key is working with a broker who understands how to present your income properly and which lenders have the right programs. I've helped plenty of business owners, contractors, and freelancers secure strong mortgage solutions. The process is a bit different, but it's very doable.

Renewal is one of the most overlooked opportunities in the mortgage process. Most people just sign what their current lender sends them — but you don't have to. At renewal, you're free to shop the market with no penalty, and that's exactly what I'll do for you. I'll compare what your lender is offering against what else is available and make sure you're walking into your next term with the best possible deal.

The first step is connecting — either through the application on my site or by reaching out directly. From there, I'll learn about your situation, pull together your options, and give you a clear plan. My goal is to make sure you know exactly where you stand at every stage. You'll never feel like you're in the dark.