Services
How We Help
We’re mortgage brokers. That means we work for you, not the bank. We search 50+ lenders to find the mortgage that actually fits your life.
Buying Your First Home
A purchase mortgage is a loan used to buy a home. In Canada, first-time buyers can purchase with as little as 5% down. A mortgage broker compares offers across 50+ lenders to find the right fit for your financial situation, timeline, and goals.
Buying your first home is exciting and overwhelming at the same time. You might be worried about your credit score, unsure if your down payment is enough, or just feeling lost in a process that seems designed to confuse.
That’s exactly why we’re here. We walk you through every step: what you can afford, what programs you qualify for, and what the numbers actually mean. No jargon, no rush.
We search 50+ lenders to find the best fit for your situation, not just the first approval that comes back. Your first home deserves a mortgage that fits your life, not just your file.
Not sure if you’re ready? Reach out anyway. A lot of our clients come to us worried they won’t qualify, and that’s actually the perfect time to talk. If you’re ready, we get started. If you’re not there yet, we put together a clear plan to get you mortgage-ready as quickly as possible, focused on the things that actually matter. Either way, you leave the conversation knowing exactly where you stand and what to do next.
Renewing or Switching
A mortgage renewal happens when your current mortgage term ends, typically every one to five years. It is the best opportunity to renegotiate your terms, switch lenders, or restructure your mortgage. Most Canadians simply sign the renewal letter their bank sends, often leaving money on the table.
Your renewal notice arrives, you sign it, and you move on. That’s what most people do, and it’s usually a mistake. Auto-renewing with your bank almost always means you’re not getting the best value.
When your mortgage is up for renewal, it’s your best opportunity to renegotiate. It’s also a great time to reevaluate your goals. We check in with you first. Get an understanding of your needs and if anything has changed. Then we see what’s available across the market, compare it to what your current lender is offering, and make sure you’re getting the best deal.
Switching lenders at renewal is often free and painless. We take this opportunity to confirm direction and then execute on your behalf.
Refinancing
Refinancing means replacing your current mortgage with a new one, typically to access home equity, consolidate debt, or restructure your terms. In Canada, you can refinance up to 80% of your home's appraised value.
Refinancing means replacing your current mortgage with a new one, usually to access your home’s equity, consolidate higher-interest debt, fund a renovation, or restructure your finances.
Refinancing comes with tradeoffs. We’ll tell you exactly what those are and whether it’s the right move for you right now. When it does make sense, we find the lender and terms that minimize your costs and maximize your benefit.
We walk you through the math so you can see exactly what you’ll save, what it’ll cost, and whether it’s worth it. No guessing, no pressure. Just clarity.
Reverse Mortgages
For homeowners 55 and older, a reverse mortgage is one of several options we evaluate as part of a full financial review. It allows you to access the equity in your home without monthly payments, which is a huge win for some Canadians in retirement who may not have a pension beyond CPP and OAS, and who may not have a large retirement savings account.
Reverse mortgages come with tradeoffs, and we will walk you through what those are. We work through every alternative first, and if a reverse mortgage makes sense, we handle it through Living Legacy, our exclusive division for retirement-stage home financing.
Visit Living LegacyWhat Is a Mortgage Broker and How Does the Process Work?
A mortgage broker is a licensed professional who acts as an intermediary between you and mortgage lenders. Unlike a bank employee who can only offer their own institution’s products, a mortgage broker searches across multiple lenders to find the mortgage that best fits your financial situation. In Canada, mortgage brokers are regulated by provincial authorities such as the British Columbia Financial Services Authority (BCFSA).
The Canadian mortgage process typically takes four to six weeks from application to closing and follows five stages: discovery, onboarding, strategy, execution, and closing. For most residential mortgages, the lender pays the broker’s fee, so there is no direct cost to you. Homeyer Mortgage Collective is a Canadian mortgage brokerage based in White Rock, BC, powered by XEVA Mortgage and serving clients across Canada.
Service Questions
Can I switch lenders when my mortgage renews?
How much equity can I access through refinancing?
What happens if I break my mortgage early?
Ready to get started?
No pressure. No obligation. Just a conversation about your mortgage.