Mortgage Broker Serving British Columbia
Straightforward help with mortgage renewals, refinances, and first-time purchases across Vancouver, Burnaby, Richmond, Surrey, and the Lower Mainland — serving clients throughout British Columbia.
How It Works
Quick Call
A short call to understand your goals, timeline, and situation.
Strategy & Structure
Clear options and how to structure the mortgage properly.
Documents & Review
We gather and review the required documents together.
Lender Submission
Your file is packaged and sent to the most suitable lenders.
Meet Tommy
Applying for a mortgage can feel overwhelming.
It is one of the biggest financial decisions many people make.
My goal is to make the process clear, straightforward, and stress free.
I work closely with home buyers and homeowners to ensure their financing is handled carefully and thoughtfully, whether you are purchasing, refinancing, consolidating debt, or switching lenders for a better rate.
Access to Major Banks and Trusted Lenders
Alongside these lenders, access includes 30 plus banks and lending partners, providing flexibility across a wide range of mortgage scenarios.
How Tommy Can Help
Mortgage Renewals
Planning ahead to avoid last minute pressure and missed options.
Refinancing
Restructuring your mortgage to improve terms or access equity.
Home Purchases
Clear guidance for first time and repeat home buyers.
Alternative or Private Lending
Flexible solutions beyond traditional banks when needed.
FAQs
Does working with a mortgage broker cost anything?
In most cases, there is no direct cost to the client. Mortgage brokers are typically compensated by the lender once a mortgage is completed. This applies to standard mortgages with major banks and credit unions. If a situation requires specialized “B” or private lending—often referred to as alternative lending—a professional fee may apply. Any such fees are always disclosed upfront in accordance with British Columbia regulations.
How early should I start my mortgage renewal?
Ideally, you should start the process four months before your renewal date. Most lenders in BC allow us to secure a rate hold 120 days out. Starting at this mark protects you from market volatility and gives us enough time to switch lenders if your current bank isn’t offering a competitive rate for 2026.
Do I need to speak to a bank first?
It is not required, but having a quote from a bank can be beneficial. While a broker can review options across multiple lenders to determine the best fit, seeing a bank’s offer allows for a direct comparison. Often, when a bank quotes a higher rate, it provides an immediate opportunity for a broker to demonstrate how much more can be saved through an independent network.
Ready to Get Started?
