SERvices include

First Time Home Buyers

Purchasing your first home can be overwhelming, but we are here to help. We'll assist you in understanding your eligibility for First Time Home Buyers government grants, tax incentives, and more.

Refinancing

Whether you're planning to renovate your home, purchase a new car, finance a business or education, or invest in a second property, we can leverage your home's equity for a home equity loan.

Reverse Mortgages

Utilize your home's equity to enhance your cash flow, allowing you to remain in your home without the burden of monthly mortgage payments.

Alternative Mortgage Solutions

If you're self-employed, have less-than-perfect credit, or require a short-term loan to bridge a purchase and sale, we offer customized solutions to meet your specific needs. Alternative mortgage financing provides a valuable option for clients who don't meet the stringent requirements of traditional banks.

Mortgage Renewals

Over 90% of homeowners renew their mortgages with their current lender without exploring other options. We can assist you in comparing different products and rates to find the best fit for your current needs.

Debt Consolidation

We can help you consolidate your debt by utilizing your home's equity. This approach is the most cost-effective way to manage borrowing.

Spousal Buyout

We offer mortgage financing solutions to facilitate the buyout of a spouse's equity during a divorce or separation, enabling one partner to retain ownership of the home.

Private Financing

Connect with our extensive network of private lenders who provide flexible approval criteria, even if traditional banks or brokers have declined your application. Private mortgages can assist in settling CRA taxes, consolidating high-interest debts, or even rescuing you from foreclosure.

Carol Cheng

Senior Mortgage Advisor

With over 15 years of experience in the mortgage industry, Carol has helped more than a thousand clients successfully navigate the home financing process. She brings deep knowledge of a wide range of mortgage products—including niche and alternative solutions—and works with over 35 lenders to find the right fit for each client.

Carol is known for offering honest, unbiased advice and empowering her clients with the knowledge they need to make confident decisions. Whether you’re buying your first home, refinancing, or investing in real estate, Carol is committed to helping you reach your goals with clarity and care.

Born and raised in Vancouver, Carol has seen the city evolve and grow. She now lives here with her husband, their two daughters, and their cat, Rumble.

kellEy heiydt

Mortgage Advisor

Kelley is a licensed Mortgage Broker with a strong background in Accounting and Finance. Prior to entering the mortgage industry, she spent nearly two decades in senior finance roles within the Hospitality sector, including Director of Finance at several leading hotels in the Lower Mainland.

Today, she leverages that experience to guide clients through the mortgage process with clarity and confidence. Known for her financial insight and straightforward communication, Kelley is dedicated to finding the right mortgage solution for each client’s unique goals.

Outside of work, she enjoys spending time with her two daughters, skiing, reading, and the occasional poker night with friends.