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 Alberta — BC & Alberta Expert

Ash Simpson at Insight Mortgage serves clients across Alberta as well as British Columbia, providing award-winning mortgage brokerage with access to over 50 lenders and personalized advice at no cost to you — whether you are in Calgary, Edmonton, Red Deer, or anywhere in between.

Why Alberta Homebuyers Work With Ash Simpson

Ash has helped Alberta clients secure mortgages that their local banks turned down — including complex self-employed files, bank declines, and cross-provincial investment property purchases. He has been featured on CBC Radio and recognized as a Canadian Mortgage Professionals Rising Star 2021. Many Alberta clients were referred by BC clients, and several are repeat clients who have followed Ash from their first purchase through renewals and refinances.

Mortgage Services Available for Alberta Clients

Alberta clients can access the full range of Insight Mortgage services remotely including: first-time home buyer mortgages and pre-approval, purchase mortgages for Alberta properties, mortgage renewals and refinancing, self-employed and stated income mortgages, bad credit and private mortgage solutions, investment property financing, and cross-provincial mortgages for clients purchasing in both BC and Alberta. All services are delivered by phone, email, and video call.

Alberta Mortgage Market — What You Need to Know

Alberta has no provincial sales tax, and property transfer taxes are significantly lower than BC, making upfront purchase costs more manageable. The federal stress test applies equally to Alberta borrowers. Ash understands Alberta-specific market dynamics and will structure your mortgage to reflect the realities of the Alberta market.

Frequently Asked Questions — Mortgage Broker Alberta

Is Ash Simpson licensed to arrange mortgages in Alberta?

Yes. Ash holds active mortgage broker licences authorizing him to arrange residential mortgages in both British Columbia and Alberta.

Can Alberta clients work with Ash entirely remotely?

Yes. Alberta clients complete the full mortgage process by phone, email, and video call — no in-person meeting required.

Book a Free Alberta Mortgage Consultation

Alberta clients are welcome to contact Ash Simpson at Insight Mortgage for a free, no-obligation mortgage consultation. Lenders pay Ash’s fee directly — this service costs you nothing.