Let me help you find the Right Mortgage, from the Right Lender.
I’m Tanya Evans, a licensed mortgage broker in Kamloops helping families, first-time buyers, investors and homeowners across British Columbia and Alberta.
Think of me as your personal shopper for mortgages. I compare offers from many lenders to find one that fits your situation, often at better rates than your bank quoted.
Choice.
Convenience.
Counsel.
A streamlined application, personal support and fast approvals get you into your new home sooner. I handle the details, from lender paperwork to working with your realtor and lawyer, so you can focus on finding the right place to call home.
Meet Tanya Evans -
The Right Broker for the Right Mortgage
As a mortgage broker, I work for you. Think of me as your very own personal shopper for mortgages. I strive to find you a lender tailor made to your specific needs. I am familiar with many different lenders who offer more choices and products all at competitive rates, often better than what your bank may have quoted.
Choice.
Convenience.
Counsel.
With my streamlined application, personalized support and quick approval process, you’ll be stepping into your new home in no time. Let me handle the details so you can focus on what really matters – finding the perfect place to call home.
Mortgage Services in the Okanagan and Across BC & Alberta
Purchase
Find out what you qualify for and get guided through each step of buying a home, from pre-approval to possession day.
I’ll explain your options in plain language and help you avoid costly surprises.
Refinance
Use the equity you’ve built to renovate, consolidate higher-interest debt, buy a rental property or plan for retirement.
I’ll compare refinance options across many lenders.
Switch / Transfer
Your bank will send you a renewal offer, but it may not be the best available. Before you sign, call me.
I’ll check the market and see if a better rate or more flexible terms are available, often with no penalty at renewal.
Reverse Mortgages
Want to supplement your income without selling the home you love? A reverse mortgage allows eligible homeowners 55+ access their home equity while staying in their home.
Purchase
Let me help you understand what you qualify for and lead you through the home buying process to make the experience as stress free as I can.
Refinance
Use the equity you have built up in your home to renovate, consolidate debt, buy a revenue generating property, or even help you invest for retirement.
Switch / Transfer
Your bank will offer you a new rate at renewal but to ensure they are providing you with the best rate possible, call me to discuss your options.
Reverse Mortgages
Are you 55+ and wanting to supplement your income without having to sell? Stay in your own home and unlock the equity to make life a little easier.
I know that navigating the world of home financing can be daunting. Whether you’re purchasing a new home, refinancing your current mortgage, or renewing your mortgage, I’m here to make the process smooth and straightforward. My expert team will guide you every step of the way, ensuring you understand your options and feel confident in your decisions. With my efficient processes and personalized service, achieving your homeownership goals has never been easier.
Why Work With a Mortgage Broker Instead of a Bank?
Banks can only offer their own products and follow their own lending guidelines.
As an independent mortgage broker, I work with many lenders, including major banks, credit unions and alternative lenders, so you see more options and I can shop your file to find the best fit.
My service costs you nothing.
Whether you’re buying, refinancing or renewing, I’ll walk you through every step so you understand your options and feel confident in your decision.
If you’ve been to any of the big banks (TD, RBC,Scotia,BMO or CIBC) you are aware that they can only offer you products that fit their guidelines. A specialized mortgage broker like myself can offer you multiple products with multiple lenders that best suit you.
If you’re thinking about buying a home, taking out equity or renewing your current mortgage, allow me to provide you with the best service and advice all at no charge to you.”
I have established relationships with many lenders over my career and will help make the right choice.
Please fee free to call or email and we can find a mortgage solution that suits you!
Are you nearing your mortgage renewal? If you’re concerned about the impact of higher interest
rates on your monthly payments, you’re not alone. Many homeowners are facing this challenge
as interest rates rise, and it can be a bit unsettling to think about what that means for your budget
moving forward.
The good news is, there are options available to help manage this situation. Here are a few things
to consider as you approach your mortgage renewal:
- Shop Around for the Best Rate: Just because your current lender offers you a renewal
rate doesn’t mean it’s the best deal. It’s always worth shopping around to see if you can
secure a more competitive rate from another lender or even negotiate with your current
lender. - Consider a Shorter Term: If you’re concerned about locking in a rate for too long due to
potential future rate changes, consider a shorter term. This can give you flexibility and
allow you to revisit your mortgage when rates may be more favorable. - Look at a Mortgage Refinance: If you’re looking to consolidate debt, lower your
payments, or tap into your home’s equity, a mortgage refinance might be worth exploring
at the time of your renewal. This could help free up some cash for other expenses or
provide more manageable payments. - Increase your amortization – you can increase your amortization at renewal in most
cases, to help you maintain the payment your are comfortable with. - Consider Making Extra Payments: If you’re financially able, making extra payments or
paying down your mortgage faster before the renewal can help reduce your loan balance,
ultimately lowering the amount you owe and helping you manage higher interest rates
more effectively. - Get Professional Advice: If you’re uncertain about what your options are, speaking with
a mortgage broker can provide clarity. They can help you navigate the current market
conditions and find the best solution tailored to your specific financial situation.
Navigating a mortgage renewal in a higher interest rate environment doesn’t have to be
overwhelming. With the right strategies, you can manage the change and keep your financial
plan on track. Feel free to reach out if you’d like to explore the options available to you!
Purchasing a home doesn’t have to be stressful or
overwhelming. With the right team of professionals—like your realtor,
lawyer, and a dedicated mortgage professional—you can navigate the
process with confidence and ease.
As your mortgage broker, I’ll work closely with you and your team to secure
the best mortgage options, handle all the financing details, and ensure
everything aligns seamlessly. This way, you can focus on finding your
dream home without worrying about paperwork or deadlines.
Pre-approval is the first step. Knowing how much you qualify for—and
understanding how rates affect your buying power—is essential. As a
broker, I have access to over 30 lenders to ensure you get competitive
rates. If you’re considering a home with a basement suite, most lenders will
only use 50% of the rental income to help you qualify—but I work with
lenders who will use 100%, which can significantly increase your
purchasing power.
Whether you’re a first-time buyer or a seasoned homeowner, my goal is to
simplify the process, keep you informed, and provide peace of mind. Let’s
turn your homeownership dreams into reality—call me today to get started!
As a mortgage broker, I understand that for many people, the goal is to pay
off their home before retirement, or at least significantly reduce the
mortgage balance. The idea is to eliminate that monthly payment so you
can enjoy a more relaxed lifestyle once you retire. However, what often isn’t
fully anticipated are the other rising costs—things like property taxes,
utilities, and of course, the ever-increasing prices of food and healthcare.
These expenses can really add up, and when you’re living on a fixed
income, like a pension, it can feel like your money just doesn’t stretch far
enough to cover everything comfortably.
While the mortgage might be gone, you’re still faced with these ongoing
costs that can put a strain on your retirement budget. And for many, the
idea of downsizing or selling their home just isn’t an option—there’s an
emotional attachment to that space, or maybe they don’t want to leave the
community they’ve built. In BC, there is also a significant cost to buy and
sell due to realtor and legal fees and of course the land transfer tax.
For example, if you sold your home in Kamloops, BC for $650,000 you can
expect to pay approx. $22,500 in realtor fees (there is no realtor cost for
you to purchase a new home however). Now let’s say you down size and
purchase a strata property for $450,000. The land transfer tax will be
$7,000 and legal fees will be approx. $2500. Therefore, in this scenario,
the cost to downsize would be about $32,000.
But here’s the good news, we now have several lenders in Canada who
can offer a reverse mortgage to allow you to use the equity in your home to
either take out either a large lump sum payment or a monthly amount to
augment your income.
By using the equity in your home, you can avoid monthly mortgage
payments and live your retirement more comfortably. When you decide to
sell your home, you’ll pay out the amount you borrowed along with the
accrued interest. Because you can never use more than 55% of the homes
value to borrow against, you will still have equity in the property when you
sell your home.
Another cost saving option may be to check with your municipality to see if
you can defer your property taxes until you sell your home. This often
saves thousands of dollars per year for seniors.
At the end of the day, it’s about finding a balance between holding on to the
home you love and making sure your financial situation is sustainable.
There’s no one-size-fits-all solution, but by considering a combination of
these options, I can help you find the right approach to stay in your home
while also managing the rising costs of living in retirement. Let me know if
you’d like to learn more about reverse mortgage options – I would be happy
to show you the options that are available!
