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“I love what I do, because for years I have been able to help my clients live a better life.  I make it my personal mission to get them their dream home or simply reduce their monthly debts.”
– Michelle, Mortgage Broker Since 2008

Why Work with Michelle?

  • Proud partner and owner of LendingMax
  • Experienced with 8 years of successful mortgage approvals
  • Exclusive access to Credit Unions
  • Kelowna born and raised
  • Very familiar with the area, in working with freehold and native land
  • Special status with Lenders for better rates, rebates & special promotions
  • Expertise in working with alternative lenders offering outside of the box financing
  • Knowledgeable in credit counselling for clients looking to improve credit scores
  • Ongoing service dealing with the lender on behalf of the client even after the mortgage funds.

Learn More about Kelowna Mortgages

About Michelle

Kelowna Born & Raised.
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FAQ’s

You’ve got Questions?
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Mortgage Calculator

Start Planning Your Mortgage.
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Latest News

Take a look at all the latest news from the mortgage industry – special rates, federal government rule changes, qualification updates, property transfer tax rules, reverse mortgages, and much more.

Latest News

For the Best Rate Options
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(250) 317-4723

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Testimonials

Over 8 years experience and hundreds of happy clients.

Mortgage Broker Kelowna

Michelle is a mortgage specialist in Kelowna BC. Mortgage Brokers help homeowners or those purchasing a home find the best financing at the best rate.

For the most part, mortgage brokers operate on behalf of the borrower and the banks compete for mortgages depending.  Rates vary depending on how aggressive banks are in any particular market at any particular time.

Mortgage brokers like Michelle allow several banks to bid for your business in a competition that only requires one credit check.  It’s a valuable service for any new homeowner or anyone that already owns a property and wants to know they are getting the best rate available in the market.

Another valuable service offered by mortgage brokers is finding financing in more difficult situations.  Income from self-employment is just one example of the difficulty banks can impose on non-traditional or non-T4 income.

In more extreme cases, private lenders could become involved.  Michelle’s duty to her clients is to get them into a mortgage at the best possible rate and that’s what she does.

Private Mortgage Lenders Kelowna

Canadian banks are subject to many government regulations, which turn many people away from banks and towards less regulated private lenders.  A private mortgage or loan may be the preferred option, depending on the circumstances.

Private mortgage lenders are typically used in situations where banks are unwilling or unable to lend money for your mortgage because of past bankruptcy proceedings, poor credit, or questions about income.  Private lenders are an alternative option for borrowers.

Private mortgage lenders can arrange 1st & 2nd Mortgages on residential & commercial properties, and it is possible to get fast approvals & funding for all types of projects with lesser qualifications required when compared to a bank.

Commercial Mortgage Broker Kelowna

A commercial mortgage broker usually deals with office, industrial, retail and rental apartment properties and can generally connect you to a number of lenders in the required area. A lender will assess the risk associated with individual properties.

Commercial Mortgage solutions for all type of properties.  Arrange construction loans, purchase or refinance funding, land financing for all types of properties including mixed-use, multi-family, retail plazas, industrial, office, medical building, self-storage, hotel, motel and more.

Whether you’re buying an apartment building or renovating your office complex, getting the right financing for your business’s real estate needs can save you thousands of dollars or more over the long run.

Mortgage Calculator

Discover how much mortgage you can afford, compare mortgage rates and find out all you need to know for your next home purchase with our mortgage calculators. – simple mortgage calculator, with extra payments, amortization, or variable down payment.

The minimum down payment in Canada is 5%. For down payments of less than 20%, home buyers are required to purchase mortgage default insurance, commonly referred to as CMHC insurance.

Kelowna Mortgage Rates

The mortgage calculator offers rates for Kelowna, BC, and all of Canada.  If you are concerned about whether mortgage rates are rising or falling, talk to Michelle.

Office Location Directions

Kelowna mortgage broker office

1890 Cooper Rd
Kelowna
BC
Canada
V1Y 5B7

(250) 317-4723

 

 From West Kelowna

Cross the bridge to Kelowna, then continue along Harvey Avenue until you reach Cooper.  Make a right turn, and then turn right at the lights again.  The office building is in the parking lot immediately to your left.

From Vernon

Follow Hwy 97 as it turns into Harvey Avenue.  Proceed to Cooper then turn left.  At the next lights, turn right into the parking lot.  The office is the building on your left as you enter the parking lot.

Nearby Mortgage & Real Estate Resources

BC Land Title office locations

Royal LePage

RE/MAX

Century 21

Macdonald Realty

Kelowna BC

Kelowna is a city located in the Okanagan Valley in south-central British Columbia, Canada’s western-most province. Kelowna is about two hours north the US border that crosses into Idaho. The city is built on Lake Okanagan, a lake that stretches about 150 kilometres in length and said to be as deep as 800′ in some places.

Kelowna is surrounded by orchards and vineyards, mountains, forests and provincial parks. Downtown Kelowna incorporates a waterfront park, City Park and also includes what is said to be the largest inland marina in Canada. Kelowna and the Okanagan Valley used to be well known for fruit orchards but over the past few decades, the explosion of wineries has gained Kelowna a worldwide presence in the wine world as many of the wineries win international awards for their high-quality wines.

The wineries also contribute heavily to the tourism industry in Kelowna and the Okanagan Valley. Wine tours and wine tastings have grown in popularity as the wineries became more plentiful. The financial contribution of tourism to Kelowna’s economy reached the billion-dollar mark in 2016. There are hundreds of wineries and vineyards operating in Lake Country and south to Osoyoos near the US border.

The largest employer in Kelowna is the service industry, which is typical of a tourist-oriented area. Boating, hiking, golf, and mountain biking are very popular summer pastimes, while both Alpine and Nordic skiing are popular winter activities. Kelowna boasts “Champaign powder” at two major resorts – Big White near Kelowna and Silver Star near Vernon.

Post-secondary education is available from Okanagan College and the University of British Columbia Okanagan (UBCO) established a new campus in Kelowna in the 2000s. Both of those institutions boast enrollment at about 9,000 each. The college offers vocational training and adult education but is also recognized for its business program and university transfer program. UBCO has similar offerings as UBC in Vancouver – it’s a diverse program of undergraduate and graduate degree programs.