Business Details
28 Years
experience
Your Trusted Mortgage Broker in Vernon, BC
Tell Me Mortgage is a licensed mortgage brokerage serving clients across Western Canada with a focus on British Columbia. Founded on the principle of simplifying real estate financing, we combine personal experience as homeowners and small business owners with professional expertise to provide tailored mortgage solutions. Our team, led by Tim Osborn, brings over 25 years of local market knowledge and access to a network of institutional and private lenders.We prioritize transparency, client education, and ethical representation, helping clients navigate first-time purchases, renewals, construction financing, and debt consolidation. Our commitment to personalized service has earned us recognition from industry associations like the Canadian Mortgage Brokers Association and Mortgage Professionals Canada.
Services
Mortgage Brokerage
Home Financing
Mortgage Renewal
Debt Consolidation
Construction Loans
Rental Properties
Commercial Mortgages
Reverse Mortgages
Equity Loans
First-Time Buyer Programs
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of local mortgage expertise with personalized service.
- Our network includes multiple institutional and private lenders for competitive options.
- We provide transparent fee structures with no hidden costs.
- Our services include specialized support for first-time home buyers.
- We maintain active memberships in leading mortgage industry associations.
Associations and certifications
- BC Financial Services Authority (BCFSA)
What people say
Awesome job
Great experience
Extremely helpful
Highly recommend
Stress-free experience
Services
Mortgage Brokerage
As a licensed mortgage brokerage, we connect clients with multiple lenders to find competitive rates and suitable mortgage products. Our services cover residential, commercial, and construction financing. We provide personalized guidance through the entire mortgage process from pre-approval to closing.
Debt Consolidation
We help clients consolidate high-interest debts into lower-rate mortgages, reducing monthly payments and simplifying financial management. Our approach includes analyzing current debts, structuring optimal consolidation plans, and providing ongoing financial guidance to prevent recurrence.
Construction Loans
Specialized financing for custom home builds and development projects, featuring progress draw schedules and milestone-based funding. We coordinate with builders and lenders to ensure smooth financing from land purchase through construction completion, with expert guidance on documentation requirements.
First-Time Buyer Programs
Comprehensive assistance for first-time homebuyers including pre-approvals, down payment strategies, and access to government assistance programs. We explain mortgage fundamentals, help avoid common pitfalls, and provide ongoing support throughout the home buying process.
Mortgage Renewal
Expert renewal guidance to secure optimal rates and terms, including competitive market analysis and hassle-free lender switching options. We help clients understand renewal offers, evaluate alternatives, and negotiate better terms with existing or new lenders.
People
Tim Osborn
Mortgage Broker
Licensed mortgage professional with 25+ years of experience in Vernon, BC. Specializes in residential and commercial financing, construction mortgages, and debt consolidation. Active member of Canadian Mortgage Brokers Association and Mortgage Professionals Canada.
Questions
What mortgage products do you offer?
We offer residential, commercial, construction, reverse, and equity mortgages with access to multiple lenders for competitive options.
Do you specialize in first-time home buyers?
Yes, we provide specialized guidance including pre-approvals, down payment strategies, and government program assistance for new buyers.
Can you help with mortgage renewals?
We analyze renewal offers, compare market rates, and help negotiate better terms with existing or new lenders.
Do you offer debt consolidation services?
Yes, we help consolidate high-interest debts into lower-rate mortgages to reduce payments and simplify financial management.
What areas do you serve?
Primarily Vernon, Armstrong, and the Okanagan Valley with services available across British Columbia.
Are your services free?
Most services are free except high-risk, private, and commercial lending where fees are disclosed upfront.
