Welcome to Mortgages by Catherine
My goal is to help you build wealth through equity in real estate. I will help you build the foundations, budget and plan to assist you to purchase your first home, and to acheive financial freedom.
I strive with every client to help build an individualized plan based on their needs, to create achievable goals, with knowledge to make informed decisions with regards to your real-estate investments.
Originally from Ontario, having spent many years in the Okanagan Valley, and now based out of Vancouver, I have many clients and business partners accross the province and country, you can locate my partners on the partners across the country and the province of BC.
As a Mortgage Professional, I have access to over 50 different lenders and a variety of products to meet each individuals needs of my clients.
How Can I Help You?
Buying your first home is one of the biggest moments of your life. My role is to be there every step of the way, to provide you with the knowledge and resources needed to be confident and successful in your decisions. There are many steps to take when buying a home; saving your down payment; building credit; pre-approvals and shopping for your first home. My promise to you is to be there every step of the way to help you through the process.
My background in finance and real-estate investment allows me to provide an in-depth review of your potential commercial investment needs, and to deliver lending solutions from land acquisition to construction resale. I can provide you with an array of solutions dependent on your busines needs and timeframes to help finalize your investment projects.
Debt can be suffocating, overwhelming and cause strain both personally & in relationships. My goal is to help you to breathe again. With rates on the rise, it is more important than ever to manage your expenses. My hands-on approach will allow us to review all your existing expenses, liabilities & income. My product, and lender knowledge will allow us to create a strategy to streamline your expenses and enable you to pay down your debt faster.
Looking at building a real-estate investment portfolio,, and building wealth whilst someone else is paying your mortgage? As a mortgage professional, I can help. With changing mortgage regulations and lender guidelines, it is important to ensure you create a strategy to lay the foundation for your investment goals. Having assisted investors with both small and large properties, I have extensive knowledge and background on which lenders and products would be best suited to your investment goals.
I have developed excellent relationships with lenders across the country, let’s figure out which one has the best products for you.
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Catherine was extremely patient with me, and answered my millions of questions. I really appreciated the time she spent to explain things to me since I’m a first time buyer. She also went the extra mile and got a bit more of a discount on my rate from the lender, even after I signed and agreed for a higher one!
All in all, great experience in dealing with Catherine. Responds quickly even at absurd hours sometimes! Professional, responsive and friendly. I definitely recommend her servicesElden C
Catherine was so incredibly helpful for this first time home buyer. She took the time to explain all the steps, made sure I stayed on track by checking in consistently, worked so hard to get me a reasonable rate, and was always accessible/approachable with an answer to any question I had, no matter how trivial it was. She made sure I was comfortable with my final decision, and in the end I couldn’t be happier with my experience!Caitlin M
As many of you may be aware the Bank of Canada met on Wednesday October 24th, 2018 and decided to raise the overnight lending rate by 0.25%, resulting in a rate of 1.75% - with banks expected to follow suit in raising the prime rate to 3.95% for all major institutions...
Bank of Canada Announcement & Variable Rate Mortgages
Written By: Catherine Ellis Bank of Canada Rates Rising Interest Rates: Fixed vs. Variable The banks are jumping on the bandwagon raising the Benchmarks Rate to 5.14% combined with Strengthening Bond Yields & Record Low Unemployment Rates. An inside look at your...
By: Catherine Ellis The Office of the Superintendent of Financial Institutions released its finalized B-20 Update to the mortgage industry, last week the news regarding the upcoming mortgage rule changes for conventional buyers, to put the brakes on borrowing and...
Written By: Catherine Ellis Most people’s first question when looking at buying a house is, “how much will we qualify for?”. Qualification, and affordability, are two very different things. Household debt rose to 2.08 Trillion in the 2nd Quarter of 2017 in Canada,...
Written By: Catherine Ellis This week I want you to try these three simple steps. Send me an email, text, or give me a call and tell me your results. I am truly interested and will be following them as well to see the results. The 3 Steps are as Follows : Learn the...
“The Art of Saving = Spend Less than you Earn. The Benefits of Delayed Gratification.”
We have all spent moments thinking… Why did I buy that? Should I make dinner or go out? Should I get the new iPhone? The new car? The new jacket? Our biggest internal conflict is “I don’t need...
The Bank of Canada’s Target Rate up .25% July 12th marks the Bank of Canada’s first announcement of a hike in the policy interest rate which is the target for the overnight lending rate. This is the first increase to the policy interest rate in 7 years. The overnight...
If you have watched the news in the last few days/weeks you may have seen that fixed mortgage rates have been on the rise. Also, there is news that the Bank of Canada might increase the benchmark rate. The sky isn’t falling! Rates have been historically low for many...
It seems that the goal of owning a piece of property in British Columbia is becoming more and more unattainable each time we read a news story. The headlines emphasize the growing number of barriers that are preventing individuals from investing in the real estate...