Business Details
20 Years
experience
Your Trusted Mortgage Brokers in Whistler
Karen Garrett has been providing expert mortgage brokerage services since 2006, offering clients access to over 230 lending institutions across Canada. Our licensed professionals specialize in tailoring mortgage solutions for first-time buyers, self-employed individuals, and those with unique credit situations. Recognized with multiple national awards including Mortgage Brokerage of the Year, we prioritize client needs over lender interests, ensuring competitive rates and personalized service.With a proven track record of helping clients save thousands through strategic refinancing and renewal advice, our team combines local market expertise with nationwide resources. Our commitment to transparency and client education has earned us consistent recognition in PROFIT Magazine's rankings of Canada's fastest-growing companies.
Services
Home Purchase
Mortgage Renewal
Home Equity
Mortgage Insurance
Refinance
CHIP Refinance
Self-Employed Solutions
Credit Repair
Investment Properties
Vacation Homes
Details
- Year established: 2006
Highlights and features
- We offer access to mortgage products from 230+ Canadian lenders
- Our team holds multiple national industry awards since 2006
- We provide 24/7 availability with evening and weekend service
- We specialize in complex credit situation solutions
- We guarantee personalized service with local market expertise
What people say
A+++ at what she does
Amazing and quick
Streamline experience
Highly recommended
Wonderful service
Services
Home Purchase
We specialize in guiding first-time buyers and experienced homeowners through property purchases. Our team secures competitive rates while explaining tax implications and market conditions. Clients benefit from our extensive lender network and local market knowledge.
Mortgage Renewal
Our renewal experts analyze existing terms and shop for better rates across 230+ lenders. We advise clients four to six months before expiration to maximize savings. This process has saved clients thousands in interest payments.
Mortgage Insurance
We offer portable life and disability insurance that protects mortgages during unexpected events. Coverage continues through lender changes without requalification. Premiums remain stable regardless of health changes or age progression.
Self-Employed Solutions
Our specialists create mortgage packages for self-employed individuals using alternative income verification. We access lenders accommodating non-traditional financial documentation while maintaining competitive rate structures.
Refinance Services
We help clients access home equity for debt consolidation or investments. Our process evaluates optimal timing and tax implications. Clients receive personalized advice on improving credit positions before refinancing.
People
Karen Garrett
Mortgage Professional
Karen Garrett brings extensive local market knowledge to mortgage solutions. With years of experience, she specializes in complex cases and has received numerous client commendations for her responsive service and successful outcomes.
Questions
How do mortgage brokers get better rates than banks?
We access 230+ lenders including institutions not available to the public. This competition among lenders produces better rates than single-institution offerings.
When should I start mortgage renewal discussions?
Begin four to six months before expiration. This allows time to shop rates across multiple lenders and secure optimal terms.
What credit score do I need for a mortgage?
While 680+ qualifies for best rates, we work with clients having unique credit situations using specialized lender programs.
How does mortgage life insurance work?
Our portable protection plans pay off mortgages upon death or disability. Coverage continues through home sales without requalification or increasing premiums.
Can self-employed individuals get conventional mortgages?
Yes, we offer alternative documentation options while accessing lenders accommodating non-traditional income verification processes.
