CALL US  +1.250.575.5478     Kelowna's Mortgage Broker

Self Employed Mortgages
Self Employed / Business For Self / Contractor
Mortgage Qualification Programs

So, you are a hard working contributer to society who has been told that because you took the risk to venture out on your own, you can no longer qualify for a mortgage? Huh?!?
Don't small businesses account for 80% of industry in Canada? Don't they support the economy and provide opportunities and jobs where there weren't any before?  Does this seem fair?
If your bank, trust company, or credit union has told you NO simply because you are self employed / business for self / contractor, then is the right place for you! We have access to over 90 lenders, and many of them have specialized programs just for you! Let us help you navigate the plethora of red tape and get you and your family the mortgage that you deserve!

Stated Income Mortgage - (aka: Self Declared Income) in these programs, clients with good to excellent credit, who are legitimately self employed or on contract, may use the gross income that they 'state' or 'declare' in order to qualify for a mortgage. This is common with clients who are subject to excessive write-offs against their gross or contracted income, or who personally limit their taxable income in order to keep funds in their company.

Construction / Renovation

Draw - Multi-Advance - Completion provides Construction Mortgages at competitive interest rates.  The construction loan process and application can be quite complex, you need an experienced Mortgage broker in your corner right from the start.  We specialize in the structure of draw mortgages for single family dwellings as well as lining up private funding for the initial start of larger projects.  We can help with the alignment of pre-sale real estate agents as well to help your construction project off the ground quickly.  Renovation loans are also a possibility  pick up the phone and contact us 1-250-575-5478 to discuss all the opportunities available to you.

Downloadthis helpful "Construction Loan / Multiple Advance Mortgage"  information package courtesy our friends at ScotiaBank. They are one of our favorite lenders who offer construction financing at very competitive rates!

First Time Home Buyer - Kelowna Mortgages and Home Loans provides First Time Home Buyers Mortgages at competitive interest rates. 

The first home purchase is always an exciting and nerve-raking event.  Many times there are special programs or rates specifically designed and tailored to the first time home buyer.  The Mortgage brokers at here in Kelowna always keep up to date with the latest programs and news.

Even if you are just thinking about making your first home purchase you should contact us to discuss your options.  With this information you will be able to make the best Mortgage decision for your new home and family. We can arm you with a price range that you know you can afford, and make sure that you have all the information necessary to make the best purchasing decision.

We also work very closely with a select group of Realtors who understand the dynamics of a 1st home purchase. Ask us for a referral and save!

Downloadthis helpful "First Time Buyers' Guide" courtesy the nice people at CMHC - Canada Mortgage and Housing Corp. They are one of the insurers who make it possible for you to buy with as little as 5% down payment.

Expert Mortgage Services is owned and operated by Billie Aaltonen - a licensed mortgage broker agent located in Kelowna - under license to Compass Mortgage Group  - Verico - located at: 101, 2205 Louie Drive, West Kelowna, British Columbia

Our people make the difference.

Our team of experienced mortgage professionals is dedicated to providing award-winning service to our clients. We take the time to research your situation completely and bring about the most effective opportunities ensuring you get the rate and mortgage terms you deserve. We're proud that so many of our clients have repeatedly turned to us for counsel and representation. We are determined to work hard to earn our clients loyalty every day. We're here to help you succeed.

Our Mortgage Brokers

We offer the best mortgage agents in the business, hands down. We pride ourselves in maintaining a small-firm feel by treating each case with care and consideration. We’ve hand-picked a high-quality team of home loan professionals qualified to successfully resolve any financial matter. No issue is too big or too small. If you have a financing problem, our experts can help you find a solution

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Billie Aaltonen, B.Comm

Having graduated university with a degree in Economics and Finance, Billie went on to hone her skills working for three multi-national oil and gas conglomerates as a Senior Financial Analyst.
In 2010, Billie and her husband and kids moved to the Okanagan to be closer to Grandparents, and to make the switch from oil and gas into real estate and development. Now, nearly 6 years later, Billie is both one of Kelowna's best mortgage brokers and one of Kelowna's only Modern Home builders: Bauhaus Modern Homes.
Billie is happy with the satisfaction that pairing clients with the right home loan brings. Mortgages can be complicated, and she enjoys cutting through the fine print to bring 'solutions' to her clients.
Rest assured, she will fight with the over 90 Banks, Trust Companies, and Lenders at her disposal to provide you with the best possible rates, terms, and conditions that meet your unique situation.
Call or text: 250.575.5478