Mortgages with Everything Financial

Your home is often the largest asset you own. At Everything Financial, our approach is to ensure that asset is managed in congruence with your overall goals and retirement plan. Because we manage the complete plan, we will place your mortgage with the lenders most appropriate for your circumstances, not with the ones who have the highest compensation. We will also steer you away from the restrictive mortgages with enticingly low rates and other common pitfalls. Chasing low rates often results in the highest cost when you need flexibility.

We use multiple tools to ensure your home is an active part of the solution, including: 

  • First-time home buyer programs 
  • Residential Mortgages 
  • Commercial Mortgages 
  • Home Equity Line of Credits (HELOC) 
  • High Net Worth lending 
  • Reverse Mortgages 

If you’re self-employed, we have some more outside-the-box solutions which include high net worth programs, alternative lenders, private lenders, and even commercial solutions. 

If you’re house-rich and cash flow poor in retirement. We will help create a financial plan based on your income needs. 

Let’s make sure your mortgage works with your Omni Formula Plan to provide you with a work optional lifestyle!

Mortgage lending 101 Watch here!

This is often one of the biggest financial decision you will make in your life – especially if you live in BC where we have an on-going housing affordability crisis. Mistakes on mortgages can be extremely costly we discuss these to make them more understandable

8 Things that will squash your mortgage (pre)approval Read here!

After you have been pre-approved, or even fully approved for a mortgage, you can still squash your approval before you get possession. In short, any major changes to your personal or financial situation can put your mortgage at risk

Considering a Subject Free offer? Read Here

In a competitive real estate market, where there are more buyers than sellers, you will have to find ways to make your offer more attractive to the seller. One way to is to make your offer “subject free.”

Show me the money: Down payment and closing costs Read Here!

Everything starts and ends with your savings. This is the pool of money that you will need for the deposit, remaining down payment, and closing costs. There are laws in place to ensure your funds are legitimate and from confirmed sources, and this is what must be documented.

Vy Tri Truong

Everything Financial Group

In-house Mortgage Professional

Manulife ManuOne LOC (Line of Credit) Mortgages

When looking at the overall picture of a client’s financial situation, the expertise and knowledge of a Mortgage Broker may be required to assist in maximizing a client’s full financial potential. At Everything Financial we have our own in-house Mortgage Broker, Vy Tri Truong, who can offer a variety of Mortgage Products based on each individual clients’ needs. If you have your own Mortgage Broker, we will work with them to help save you money and keep more of your hard earned money in your pocket and working for you.

We also partner with Manulife and offer Manulife One Line of Credit Mortgages. Manulife One is an innovative, all-in-one account that allows you to combine your mortgage, personal loans and lines of credit with your income and short-term savings. It can save you interest costs and give you more control over your finances.



I heard Peter on the Team 1040 and was hooked to his advice.  I eventually sat down for a mortgage renewal and was introduced to the Omni Formula. I have never had a retirement plan, now I have one and I can feel the financial weight lifted off my shoulders. I work less and enjoy life now . Thank you Peter, Vy Tri and Leanne for all you have done for me
Tor N
Our second year with Brian. Our first year was a major catch up! We're very happy with the service we have received and look forward to going back every year to have our taxes done!
Tricia S. Langley, BC
"I wanted to say how much I appreciate your dedicated hard work in providing me with a good solid income in making the right decisions for me to enjoy my life without worrying about my finances."     
Anne Cookson Kitchener, On
"Peter and his team have been extremely patient and have provided sound advice when helping my folks who are both retiring and needed a plan that would meet their needs in a few years time. His step by step approach helped my parents understand exactly what they need and have also reassured them that their ongoing meetings quarterly will help to ensure their investments and their retirement plan is EXACTLY what they want and need. If you want help getting your parents into the golden years - see Peter and team at Everything Financial."
Alan Maple Ridge, BC
"It is never easy to manage all the details when a loved one passes, no matter how prepared you think you are, somehow there is always unexpected. I am so grateful that the Omni Estate Program was suggested to me when I became the POA for my father and knew I would ultimately be his executor. When my father passed, it took just one email to Everything Financial Group to relieve me of all the pressure and stress. The phone call I received in response assured me that all the financial details of my father's estate would be looked after. I was provided with a list of the few things that I needed to do, and the Omni Estate Program looked after the rest. The staff of Everything Financial Group couldn't have been more helpful and supportive. They guided me through the few steps that required my involvement and worked with the Omni Estate Program to take care of the rest. From what I learned and observed through this process, I envision that the Omni Estate Program saved me many hours of stressful uncertainty with documents, issues, and agencies that are totally foreign to me. I highly recommend the Omni Estate Program as managed by Everything Financial Group."  
Barbara M Delta, BC
Peter, Christine, and Everything Financial Staff, Words cannot express how grateful we are for the generous gift that you gave Carly and Adelyn. To be included as one of the families benefiting from your generosity is an honor that we will forever cherish. You are beautiful people! People like you make such a difference in our world! You are truly inspiring! we will always remember your support and help! We look forward to participating in the Everything Financial Annual Charity Golf Tournament and giving back! With heartfelt and gratitude,  
Sandra and Darcy Malchuk Langley, BC
“The North Delta Minor Hockey Association would like to extend a warm thank-you for your generous donation of two Canucks tickets towards our raffle at the H2-4 Christmas tournament. Thank you for your support and assisting us in making our tournament a great success.”
Tracey North Delta
“My husband passed away unexpectedly and “ Peter Cishecki “ and his competent team ( Shannon and Jenny) have been unbelievable. Peter, has taken care of my financial planning needs. With Peter by my side, with guidance , planning, care and “ family” support , this very difficult time in my life has been made so much easier. I truly appreciate the support from Peter and his team at the Surrey office. Thank you Everything Financial.”
Darcee New Westminster, BC
“I have recently and unexpectedly retired long before I anticipated. This welcome situation has been orchestrated by Peter Cishecki and his competent staff. I am delighted to have time now to enjoy my new passion, golf! Thank you!”
Faye White Rock, BC
“Peter Cishecki has taken care of our family’s financial planning needs for nearly 10 years. He was referred to us by a friend and we have since referred him to other family members and friends. We have gained knowledge and net worth under his guidance and are appreciative of his continued support towards our financial goals. Thank you Peter and Everything Financial.”
Tanya Calgary, AB