Mortgage broker serving Kelowna and the Central Okanagan: lender options by phone or video
I'm Matt, a licensed BC mortgage broker. I help people in Kelowna and the Central Okanagan buy, renew and refinance by phone or video. From strata townhomes to single-family homes, I compare lenders and show you how each one would look at your file.
Kelowna market snapshot (July 2026)
In the Central Okanagan, the single-family benchmark price was $1,072,400 (up 2.3%), the townhome benchmark was $709,500 (down 2.4%) and the condo benchmark was $490,700 (down 2.0%).
Townhome and condo benchmarks were lower than a year earlier, so it pays to compare property types as well as lenders.
Source: Association of Interior REALTORS release, August 6, 2026. Measure: MLS Home Price Index benchmark. Statistics are for general information, change monthly and are not a prediction or advice. Call to discuss your situation.
What lenders look at in Kelowna
- Strata condos and townhomes: lenders look at the strata documents, fees and the building itself.
- Homes with a suite: lender rules differ on how suite income counts.
- Newer builds and presales: lender timing and deposit rules differ.
- Self-employed borrowers: see self-employed mortgages.
Next steps
- Buying a home: know your price range in Kelowna before you make an offer.
- Renewing or refinancing: compare your renewal letter against other lenders.
- Debt consolidation: see what rolling debt into your mortgage would cost over time.
- Self-employed mortgages: find lenders whose income rules fit how you earn.
- Reverse mortgages, 55+: for homeowners 55+, the costs and alternatives first.
Or start at the home page, then book a call.
Do lender rules differ for strata townhomes in Kelowna?
Yes. I check how each lender treats the strata documents and fees before you make an offer.
Do I need to meet you in Kelowna?
No. Every conversation is by phone or video.
How do I get started?
Book a short call, or send your details below and I will follow up.
Tell me what you're working on.
Send a few details and I'll follow up. Would you rather talk now? Pick a time that suits you.