Business Details
17 Years
experience
Award-Winning Mortgage Broker in Port Coquitlam
With over two decades of experience in the mortgage industry, Milka Lukacevic has established herself as a trusted advisor and award-winning broker in Port Coquitlam and throughout British Columbia. Starting her career in banking at VanCity in 1994, she transitioned to independent mortgage brokering in 2006, founding her own firm, The Mortgage Centre TMK Team, in 2009. Her deep understanding of mortgage financing, combined with access to a wide network of lendersincluding broker-exclusive optionsenables her to provide tailored solutions for clients ranging from first-time homebuyers to self-employed individuals and newcomers to Canada.Milkas commitment to client-centric service is reflected in her 5-star Google reviews, where clients consistently praise her expertise, responsiveness, and ability to secure competitive rates. She emphasizes transparency, education, and long-term relationships, offering annual mortgage reviews and personalized guidance to help clients achieve their financial goals. Recognized for her industry leadership and community involvement, Milka continues to simplify mortgage financing for her clients while maintaining a strong focus on ethical practices and client satisfaction.
Services
Mortgage Pre-Approval
First Time Buyers
Self-Employed Mortgages
New To Canada Mortgages
Investment Properties
Debt Consolidation
Mortgage Renewals
Credit Improvement
Vacation Homes
Private Mortgages
Details
- Year established: 2009
Highlights and features
- We offer 20+ years of mortgage brokering experience with a proven track record of success.
- We provide access to broker-only mortgage lenders with exclusive rates and features.
- Our personalized service prioritizes your unique financial goals and circumstances.
- We guarantee annual mortgage reviews to ensure ongoing alignment with your objectives.
- Our 5-star client testimonials reflect consistent delivery of reliable, transparent service.
Associations and certifications
- MBABC
- CMP
What people say
Knowledgeable and experienced
Highly recommend
Excellent service
Stress-free process
Competitive rates
Services
Mortgage Pre-Approval
A mortgage pre-approval helps determine your home-buying budget by assessing your financial situation, including income, down payment, and creditworthiness. This process provides clarity on affordability, locks in a rate, and strengthens your position when making an offer. Clients benefit from tailored guidance to navigate documentation requirements and secure optimal terms.
First Time Home Buyers
Specialized support for first-time homebuyers simplifies the purchasing process, from pre-approval to closing. Services include rate comparisons, down payment strategies, and access to programs like the Home Buyers Plan. Clients receive step-by-step assistance to ensure confidence and affordability in their first property purchase.
Self-Employed Mortgages
Tailored mortgage solutions for self-employed individuals address unique income verification challenges. By working with lenders that accept alternative income documentation, clients gain access to competitive rates and flexible terms, ensuring fair financing opportunities despite non-traditional income structures.
Investment Properties
Mortgage options for investment properties enable clients to build wealth through real estate. Services include portfolio analysis, rate optimization, and financing strategies for residential or revenue-generating properties, helping investors maximize returns while managing risk.
Debt Consolidation
Debt consolidation mortgages combine high-interest debts into a single, lower-rate payment. This approach reduces financial stress, improves cash flow, and simplifies repayment, allowing clients to regain control of their finances while leveraging home equity.
People
Milka Lukacevic
Senior Mortgage Broker
With over 20 years in the mortgage industry, Milka founded The Mortgage Centre TMK Team in 2009 after a successful banking career at VanCity. Recognized for her client-focused approach, she specializes in first-time buyers, self-employed financing, and investment properties, serving Port Coquitlam and BC.
Questions
How much can I afford to pay for a home?
Affordability is determined by your taxable income, debt obligations, and lender guidelines. We calculate 39% of your income for housing costs and 44% after deducting existing debts to determine your maximum mortgage amount.
What is a home inspection and should I have one done?
A home inspection evaluates a property’s condition, including structural and system integrity. We recommend it to identify potential issues and ensure informed purchasing decisions, providing peace of mind during the buying process.
What is the minimum down payment needed for a home?
A minimum 5% down payment is required for insured mortgages, with additional funds needed for closing costs. Conventional mortgages require 20% down to avoid mortgage loan insurance.
Can I use gift funds as a down payment?
Yes, most lenders accept gifted down payments from family members, provided a signed gift letter confirms the funds are not a loan. CMHC requires the gift to be in your possession before approval.
How can I pay off my mortgage sooner?
Accelerated payment schedules, principal prepayments, and shorter amortization periods reduce mortgage terms. We help clients implement strategies like double-up payments to save on interest over time.
What are the costs associated with buying a home?
Costs include down payment (5-20% of purchase price), closing costs (2.5% of price), legal fees, home inspection, property insurance, and land transfer taxes. We guide clients through budgeting for these expenses.
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