Independent advice, access to more than one lender, and rates published openly on this page.
Most broker sites ask for your email before showing a rate. Ours are on the page, updated from the weekly lender sheet.
The qualifying rule matters as much as the rate. You are approved at the higher of the Bank of Canada benchmark or your contract rate plus two percent, so the payment you qualify at is not the payment you make. See the full rate table or work out your own number with the affordability calculator.
A mortgage broker is licensed to arrange financing between you and a lender. You are not the one calling around. We take one application, send it to the lenders most likely to approve your situation, and bring back the options. The lender pays the commission on most residential deals, so the advice costs you nothing directly.
The difference from walking into your bank is competition. A bank has one product shelf and one set of rules. If your income is self employed, your credit has a scar on it, or the property is unusual, the bank either fits you into its box or declines you. A broker takes the same file to lenders whose rules already fit, including credit unions and monoline lenders you cannot walk into.
That matters more in Kelowna than in a bigger city, because the local mix skews heavily toward business owners, contractors and seasonal income. Those files get declined by bank policy and approved by a lender who reads business statements. See self employed mortgages in Kelowna if that is your situation.
Central Okanagan benchmark prices, June 2026, from the Association of Interior REALTORS, with the minimum down payment each one requires.
Down payment in Canada is tiered. Five percent on the first $500,000, ten percent on anything between $500,000 and $1.5 million, and twenty percent at $1.5 million and above, where insured financing is no longer available. A Kelowna condo is the common entry point because the requirement lands under $25,000. Buying your first place? Start with the first time buyer guide.
“Mortgage approvals are often not a straight forward process, and having agents like Ash and his team on your side can make all the difference in the world.”
“He researched and discovered mortgage solutions the major bank we had a previous mortgage with told us were not possible.”
“Ash and his assistant went above and beyond to help me purchase my first home. What seemed impossible became possible because of them.”
“He communicated every step, condition, and detail of the mortgage process professionally and thoroughly.”
Licensed since 2019 and founded Insight Mortgage in 2023. Named a Rising Star by Canadian Mortgage Professional in 2021 and a repeat mortgage commentator on CBC Radio. Mentors students at UBC Okanagan.
With Insight Mortgage since the beginning, starting as Ash’s assistant and now licensed herself. She runs the day to day, so she is who you hear from about documents and signing.
Brokering since 2023 and based in Kelowna with a large blended family. She is used to juggling competing needs, which is most of what a busy purchase file is.
Came to Insight as a client in 2022, then trained and earned her licence in 2024. She specializes in British Columbia and serves clients across Canada.
On most residential mortgages the lender pays the commission, so there is no direct fee to you. If a file needs private or alternative lending, any fee is disclosed in writing before you commit.
A broker can put lenders in competition for the same file, which usually surfaces a better rate than a single branch will offer first. The bigger gain is often approval itself on a file the bank would decline.
Around 680 opens the best insured rates. Below that there are still options through alternative lenders at a higher rate. We review your credit during pre approval and tell you where you stand.
Yes. Lenders exist that qualify business owners on bank statements or business financials rather than T4 income. This is one of the most common reasons Kelowna clients come to a broker.
A pre approval is usually same day or next day once documents are in. A full approval on a live purchase typically runs a few business days depending on the lender and the property.
Kelowna and the Central Okanagan are home, and the team is licensed across British Columbia and Alberta. Staci is based in the Kootenays and clients elsewhere in Canada can be helped too.
No cost, no obligation, and you will know your real number by the end of the call.