A calm path home, around the lake.
Helping Okanagan families buy, move and renew with a clear plan, plain answers and no rush at any step.
Send your documents securelyKelowna, BC Licence X000901 Speaks EnglishSvenska
I would rather you understand your mortgage than simply sign it, so we go at the pace that feels right to you.
- Years in practice
- 16
- Source: Broker’s own record, sample
- Families financed
- 700+
- Source: Broker’s own records, sample
- Lenders and credit unions
- 40+
- Source: Broker’s lender list, sample
How I can help
-
First homes
I walk you through each step, from your first budget to the day you collect the keys, so nothing arrives as a surprise.
-
Moving and upsizing
I line up your sale and your purchase so the dates fit, and show you the cost of each option before you choose.
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Renewals
I compare your renewal offer with the wider market months ahead, so you can decide without the deadline pressing.
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Refinancing
I set the penalty beside what you would gain and put both in writing, then we decide together whether it is worth it.
Unhurried by design.
I moved to the Okanagan from Gothenburg and have helped families settle here ever since. I keep my client list small, so every call is returned the same day and every document is checked twice. I explain each choice in plain language and tell you what I would do in your place. Many of my clients come back at renewal and send their friends.
- Brokerage
- Okanagan Shore Mortgage Partners Ltd.
- Based in
- Kelowna, BC
- Speaks
- EnglishSvenska
- Licence
- X000901
Calculator
What would the payment be?
Indicative, not a lender decision or a pre-approval. Fixed rate, compounded semi-annually; mortgage insurance and taxes not included.
An example rate. Enter the one you’ve been quoted.
Estimated monthly payment
$4,216
Mortgage amount $740,000
Which kind of mortgage fits you?
Choose a type to see how it behaves. Your broker will compare real offers for your situation.
The rate and the payment stay the same for the whole term.
- Your payment
- Stays the same for the term, often five years.
- If rates change
- Nothing changes until renewal.
- Breaking early
- The penalty is usually the greater of three months’ interest or an interest rate differential, which can be large.
- Suits you if
- You want a predictable budget and expect to keep the mortgage for the term.
The rate moves with the lender’s prime rate; the payment often stays the same.
- Your payment
- Usually fixed; more or less of it goes to principal as prime moves.
- If rates change
- Rising rates mean slower repayment, and payments can be reset if rates rise far enough.
- Breaking early
- The penalty is usually three months’ interest.
- Suits you if
- You can live with change, or may sell or refinance before the term ends.
Like variable, but the payment itself changes whenever prime changes.
- Your payment
- Goes up or down with the prime rate.
- If rates change
- You feel it in your next payment; your repayment schedule stays on track.
- Breaking early
- The penalty is usually three months’ interest.
- Suits you if
- Your budget has room to absorb payment changes.
A credit line secured by your home that you draw on and repay as you need.
- Your payment
- Can be interest only on what you have used.
- How much
- In Canada the revolving part is limited to 65% of the home’s value, and 80% together with a mortgage.
- The rate
- Usually prime plus a margin, so it moves with prime.
- Suits you if
- You want flexible access for renovations or investments and a plan to repay.
An open mortgage can be paid off anytime; a closed one costs less but limits prepayment.
- Open
- Repay any amount at any time without a penalty, at a higher rate.
- Closed
- A lower rate, with yearly prepayment limits set by the lender and a penalty to break.
- Often used
- Open for a short time before a sale or a lump sum; closed for most homeowners.
- Suits you if
- You know exactly when you will pay a large amount down.
General information, not advice. Terms differ between lenders.
What clients say
Sofia made our first purchase feel calm. She explained every step, and the day we got the keys was simply happy.
Selling and buying at once worried us. Sofia lined up the dates so well that we moved in a single weekend.
She started on our renewal months early and laid out every option clearly. We never felt rushed.
Questions clients ask
When should we first talk?
Before you start viewing homes, ideally. Knowing your budget early makes every later step calmer.
Do you only work in Kelowna?
I work across the Okanagan, from Lake Country to Peachland, and by video for clients moving here from elsewhere in Canada.
What do you charge?
On most residential mortgages the lender pays me, so there is no fee to you. If a file ever needs a fee, you will see it in writing first.
Send your documents securely
Upload everything from your phone or computer. It goes straight to Sofia’s secure document storage in Canada, with a checklist made for your situation.
- Tell us a little about you and your plans
- See exactly which documents your situation needs
- Upload them, and you’re done
Sample site: this opens a sample upload page in a new tab. On a live site, it opens the broker’s own.
- No account to create
- Works on your phone
- Stored in Canada
Begin with a quiet conversation
Thirty minutes, without obligation. Tell me where you are and where you hope to be, and we will plan the next step together.
Book a consultation- Phone
- 250-555-0177