Home Purchase · Vancouver Island & BC
Buying your next home should feel clear, not stressful.
Whether you are moving up, relocating, or buying your next place, the right mortgage is about far more than the lowest rate. It is about the product and terms that fit your life for years to come.
Since 2009, I have helped buyers across Vancouver Island and all of BC find the mortgage that genuinely suits their goals. I explain your options in plain language, compare lenders across the market, and stay with you from pre-approval right through to possession.
Purchase Plus Improvements
Sometimes the right home needs a little work. A Purchase Plus Improvements mortgage lets you finance renovations as part of your purchase, so the cost is spread over your mortgage at mortgage rates instead of sitting on a credit card or line of credit. You get quotes for the work up front, and the improvement funds are released by your lawyer once the renovations are complete. It is a great option for buyers who see the potential in a home that is priced below its move-in-ready neighbours.
I will walk you through whether it fits your purchase and what the process looks like.
Why work with me
A broker who compares the whole market on your behalf.
A low rate attached to the wrong product can cost you far more over time. I look beyond the rate to the terms that matter, and I match you to the lender that genuinely fits your plans, not just this month's advertised number.
You work directly with me the entire way. And because my process is fully virtual, I help buyers from Port Alberni to Nanaimo to Victoria and anywhere in BC, around your schedule.
Getting started is simpler than you think
01 Let's talk
Before we look at rates or lenders, I want to understand your goals and where you are in your search. Book a call and let's start there.
02 I build your plan
I review your financial picture, compare options across my network of lenders, and give you a clear plan and a real pre-approval built around you.
03 I stay with you
From offer to possession and beyond, I keep you informed and advocate for you when timelines get tight. You will always know what comes next.
Common questions
Home purchase questions I am asked all the time
Don't see your question here? Book a free consultation and I will answer it directly.
How much home can I afford?
It comes down to your income, your existing debts, your down payment and your credit, measured against the lender's limits and the stress test. I will review your full picture and give you a clear, realistic budget so you shop for homes you can comfortably buy.
Should I get pre-approved before I start looking?
Yes, always. A pre-approval tells you your true price range, locks in a rate hold that protects you if rates rise, and makes your offer stronger. It turns house hunting from a guessing game into a confident search.
Should I choose a fixed or variable rate?
There is no single right answer. It depends on your comfort with payment changes, your cash flow, and how long you plan to stay in the home. I will explain the trade-offs clearly and model both for your situation.
Can I buy a home before I sell my current one?
Often, yes. If your current home is firmly sold, bridge financing will allow you to use the equity from that sale toward your new purchase when the two homes close on different dates. It covers the short gap until the sale of your current home closes and those funds become available. I will walk you through whether this fits.
Do I have to live near Port Alberni to work with you?
Not at all. My process is fully virtual, so I help buyers across Vancouver Island and all of British Columbia through phone, video, secure document uploads and electronic signatures.
What is mortgage default insurance and do I need it?
If your down payment is less than 20%, you are required to purchase mortgage default insurance (CMHC, Sagen, or Canada Guaranty). This protects the lender — not you — but it does allow you to purchase a home with a smaller down payment. The premium is added to your mortgage balance. I will explain exactly what this costs and whether it makes sense for your situation.
Can I finance renovations into my mortgage when I buy?
Yes, through a Purchase Plus Improvements mortgage. It lets you roll renovation costs into your mortgage at the time of purchase, so the work is financed at mortgage rates rather than on a credit card or line of credit. One thing to know up front is that the improvement funds are not advanced at closing. You get quotes for the work beforehand, and your lawyer releases the funds once the renovations are complete and verified. I will walk you through how it works and whether it fits your purchase.
Still have a question?
Let's find the mortgage that fits
your next home, and your life.
No obligation and no pressure, just a clear conversation about your goals.
If you would like to speak sooner, reach me directly at
250-731-9194.
