Regardless of mortgage rates, if a down payment is less than 20% of the home or property value, mortgage insurance is mandatory in Kelowna (and across Canada). Mortgages have built in insurance premiums, so, therefore, the clients do not pay “out of pocket” for this expense. For mortgage lenders, a down payment of this size is more of a risk, so the mortgage insurance premium acts like a guarantee in the event of a default on the loan.
Home Buyer Mortgages

One of the easiest ways to buy a home
is through a home loan mortgage company.
There are various types of home mortgages that make it possible for you to get what you want, even if money seemed to be a problem at first.





Did you know that you can get up to 100% financing loans for your home?
We do! Because it is our job to find the best offers for you in a competitive market and provide you with the best Kelowna mortgage rates and home values.


Applying for a mortgage shouldn’t be hard or confusing,
What is equity?
The amount of financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on the mortgage.
Why should I choose a Mortgage Broker at Rampone-Marsh Mortgages instead of a bank?
Most banks focus on such a wide variety of projects and cross selling opportunities that their staff training is diluted and not focused. At Rampone-Marsh Mortgages, we provide excellent mortgage services for purchases, refinances, renewals and the list goes on. We know mortgages inside and out, and best of all we do all of the legwork! In most cases, our services are free and we have access to over 50 lenders.


You guys, rock!
Thank you.
Carrie Mayhew


Karyn Mackenzie
Garnet Dickinson


Blog + Video
Here’s some more on Home Mortgages!


Yeaaaaah mortgage!
There are other fantastic home mortgage products Rampone-Marsh can provide you with: second mortgages if you want to buy a second property, third mortgages and many more.
Just contact us, tell us what you need and we will deliver.