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.

Financing Sheet Builder - Insight Mortgage

Partner tool. Turn any listing into a co-branded financing sheet, a live buyer page you can text, and a print-ready QR sign for the open house. Everything runs on this week’s desk rates.

Access

Partner passcode

One code for all Insight partner realtors. Tap the eye to check it.

The listing

Property address

City

List price

MLS number

Property tax, per year

Blank estimates at 0.55% of the list price.

Strata fee, per month

Houses have no strata, so blank leaves the row off the sheet.

Listing photos Drop up to three photos here, or click to choose. Anything large is resized before it uploads.

The numbers

Rate Desk rates as of July 20, 2026.

Down payment columns

Type min for the legal minimum, which moves with the price. Anything else is a percentage.

Buyer is a first time buyer
Applies the transfer tax exemption and 30 years to the 10% and 15% columns too. The minimum down column always assumes a first time buyer. Newly built home
Applies the newly built transfer tax exemption.

Amortization is worked out per column: 30 years wherever the rules allow it, 25 on an insured mortgage with no first time buyer and no new build.

Your branding

Your name

Brokerage

Cell Typed any way you like. It prints as 250 555 0134.

Your office address Leave blank and neither side shows an address.

Email Used for your copy of the link. Buyers never see it.

Accent colour

Used on your side of the co-brand.

Logo Brokerage or personal logo. A transparent PNG prints cleanest.

Headshot Any shape. It is cropped square from the centre.

Remember my branding on this browser

You land on the buyer page. The printable sheet and the open house sign are one click from there.

Financing Sheet Builder

Today's Rates, No Email Required