Access Canada's
Best Lenders
Best Lenders
Find the Right Mortgage for Your Unique Situation
As an independent mortgage broker licensed in BC and Alberta, I work with 40+ lenders to find you the best rate and a solution tailored to your life.
Partnered With Canada's Leading Lenders
As an independent broker, I have access to 40+ lenders—giving you more options and competitive rates.
Meet Your
Mortgage Advisor
Kellie Ozanne
Finding the right mortgage is one of the most important financial decisions you'll make. It deserves careful consideration, expert guidance, and access to all available options.
I’m Kellie Ozanne, a mortgage broker with Mortgage Architects. We’re part of the DLC Group of Companies, a publicly traded Canadian brokerage that funds more mortgages nationwide than any single bank or credit union.
What that means for you? I’m not tied to one bank or one product. I have access to the broader mortgage market, so I can help you find a mortgage that fits your needs, not a one-size-fits-all solution.
- Match your situation with the right lending solution
- Objective advice based on your goals, not quotas
- Navigate self-employment or credit challenges
- Handling all lender communication and paperwork
1 (604) 725-0639 [email protected]
Understanding the Broker Advantage
Many Canadians don't realize they have alternatives to going directly to their bank. Here is the difference between a single source branch and independent expertise.
Traditional Bank
Access to their products only
The Broker Advantage
Comprehensive access to 40+ leading lending institutions
Traditional Bank
Rate options from a single source
The Broker Advantage
Aggressive, competitive rates sourced across the entire market
Traditional Bank
One application, one outcome
The Broker Advantage
One single application, multiple lender considerations
Traditional Bank
Standard, rigid product offerings
The Broker Advantage
Specialized solutions for unique, complex, or self-employed needs
Traditional Bank
Branch-based, standard service
The Broker Advantage
Personalized, flexible service tailored to your timeline
Start With Pre-Approval:
Know Your Options
A pre-approval demonstrates your commitment and financial readiness, giving you confidence to make competitive offers.
The Path to Clarity:
- Your budget and borrowing capacity
- Down payment requirements and programs
- Documentation needed for full approval
Approval Roadmap
01
Financial Health Assessment
02
Lender Matching & Rate Lock
03
Official Pre-Approval Certificate
Document Checklist:
- Recent income verification (T4s/NOAs)
- Employment confirmation
- Down payment source
- Government Issued ID
"Ready for your new home."
Estimate Your Mortgage Payment
Use this calculator to explore potential scenarios. For personalized rate quotes, let's connect.
Calculator provides estimates only. Actual rates vary based on credit and market conditions.
REQUEST A RATE
Mortgage Solutions for Every Situation
Experience bespoke financial strategies tailored to your unique lifestyle
and long-term wealth goals.
First-Time Homebuyers
Guidance through the process and programs designed for first-time buyers.
Mortgage
Refinancing
Lower your rate, consolidate debt, or access home equity for major goals.
Mortgage
Renewals
An opportunity to reassess market alternatives and secure competitive terms.
Investment Properties
Strategic financing for rental portfolios with specialized lender programs.
Self-Employed Solutions
Specialized programs designed for business owners and entrepreneurs.
Credit
Solutions
Exploring options with alternative lenders who evaluate applications holistically.
You May Be Wondering...
Will applying affect my credit score?
Early conversations usually start with a soft credit check that doesn't affect your score. A hard credit check only happens once you’re ready to move forward with a pre-approval or submit your application to a lender.
What if I'm self-employed?
Self-employment requires a specialized approach. I work with a wide network of lenders who specialize in "stated income" or alternative documentation, allowing entrepreneurs to secure premium mortgage products.
I don't have 20% for a down payment.
Many clients successfully purchase with as little as 5% down through insured mortgage programs. I'll help you navigate these options to find your ideal entry point.
How does broker compensation work?
Broker compensation is normally covered by the lender, but there are circumstances (private lending / MICs) where a client fee applies. Any such fees are always discussed transparently and disclosed upfront.
Your Mortgage
Journey:
Clear Steps
A transparent, guided path to securing your financial future.
1
Initial Consultation
Discuss goals, financial situation, and timeline to identify suitable options tailored to your long-term wealth strategy.
2
Application
Complete a secure digital application to provide the foundational data needed for a comprehensive analysis.
3
Document Collection
Clear expectations start with full documentation upfront, allowing for a true assessment of your options.
4
Pre-Approval / Refinance / Renewal Options
Once full documentation is received, I can compare multiple lenders and secure a proper pre-approval and tailored strategy.
5
Property Search (If applicable)
Confidently search for properties knowing your financing parameters are locked in with the market's most competitive terms.
6
Approval & Conditions
Satisfy all lender conditions throughout the underwriting process, handled personally to ensure no detail is overlooked.
7
Closing Day
Coordination with lawyers and lenders to ensure your mortgage funds on schedule as you receive the keys to your new home.
What Clients Say About Working Together
Trust is the foundation of every successful mortgage. Here is the experience of homeowners who chose independent expertise.
Get Pre-Qualified
Without a
Credit Check
See the full cost of homeownership in minutes.
My mortgage planning app helps you run the numbers beyond just buying. You can explore refinance options, prepayment privileges, and long-term costs so you can make informed decisions now and down the road.
Get Pre-Qualified
Calculate Required Income
Calculate Down Payment
Refinance Analyzer
Let's Discuss Your Mortgage Needs
Book a free, no-obligation consultation to learn about options specific to your situation.
- Professional guidance
- Comprehensive market access
- No pressure, no obligation
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