What does a mortgage broker in Kelowna do?

A Kelowna mortgage broker like Ash Simpson shops your mortgage application across 50+ banks and lenders to find the best rate and terms for your situation. Unlike going directly to one bank, a broker gives you access to the full market — at no cost to you, since brokers are paid by the lender.

Can self-employed people get a mortgage in BC?

Yes. Self-employed Canadians in BC can qualify for mortgages through stated income programs, bank statement mortgages, and Alt-A lenders. Traditional banks often decline self-employed applicants because their taxable income appears low on paper. Ash Simpson at Insight Mortgage specializes in self-employed mortgage solutions that work around this.

Can I get a mortgage in BC with bad credit?

Yes. Ash Simpson works with alternative and private lenders in BC who offer mortgages to borrowers with damaged or limited credit. These solutions can also help you rebuild credit over time and transition back to a traditional lender at renewal.

What areas does Insight Mortgage serve?

Insight Mortgage is based in Kelowna, BC, and serves clients throughout British Columbia and Alberta. Ash Simpson is a licensed mortgage broker in both provinces and works with clients remotely across the country.

How much does it cost to use a mortgage broker in BC?

In most cases, using a mortgage broker in BC is completely free to the borrower. Ash Simpson is paid a commission by the lender when your mortgage closes. For certain alternative or private lending situations, a broker fee may apply — this would always be disclosed upfront.

What is the difference between a mortgage broker and a bank?

A bank can only offer its own mortgage products at its own rates. A mortgage broker like Ash Simpson has access to dozens of lenders — banks, credit unions, trust companies, and alternative lenders — and can shop your application across all of them to find the best fit.

Mortgage Broker BC — Serving All of British Columbia

Whether you are buying in Vancouver, refinancing in Victoria, or need a mortgage in the Okanagan, Ash Simpson at Insight Mortgage provides award-winning brokerage services across all of BC. Licensed since 2019 with access to over 50 lenders — at no cost to you.

Coming up for renewal? We help you renew your mortgage in Kelowna for a better rate.

Why British Columbians Choose a Mortgage Broker Over a Bank

Walking into a single bank limits you to that bank’s products and rates. A mortgage broker in BC works for you and shops your file to dozens of lenders simultaneously to find the most competitive rate and product for your situation. Ash Simpson has access to the Big 6 banks, monoline lenders, credit unions, trust companies, and alternative lenders. Because lenders pay Ash’s fee directly, this service costs you nothing.

Mortgage Services Available Across BC

Ash provides comprehensive mortgage services across British Columbia including: first-time home buyer mortgages and pre-approval, purchase mortgages for all property types, mortgage renewals and refinancing, self-employed and stated income mortgages, bad credit and private mortgage solutions, investment property and rental property financing, home equity lines of credit, and new-to-Canada mortgage solutions.

BC Mortgage Rules and Regulations You Need to Know

Key rules include the federal stress test, which requires borrowers to qualify at the higher of their contract rate plus 2% or the Bank of Canada benchmark rate. CMHC mortgage default insurance is required for down payments under 20%. The BC First-Time Home Buyers Program provides property transfer tax exemptions on qualifying purchases. Ash stays current on all regulatory changes and ensures your mortgage application meets all requirements.

Frequently Asked Questions — Mortgage Broker BC

Is Ash Simpson licensed to broker mortgages across all of BC?

Yes. Ash holds a full mortgage broker licence under the BC Financial Services Authority and is authorized to arrange mortgages on residential properties across British Columbia.

Can I work with Ash remotely from anywhere in BC?

Absolutely. Ash works with clients from Vancouver Island, the Lower Mainland, the Okanagan, the Interior, and Northern BC entirely by phone, email, and video call.

Book a Free BC Mortgage Consultation

Whether you are buying your first home, renewing your mortgage, or need a specialist for a complex situation, Ash Simpson at Insight Mortgage is ready to help anywhere in British Columbia.