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.