Yes! Some lenders use your stated income only to qualify, on approved credit. You still get favourable Canadian mortgage lending rates and, depending on the lender, could get up to 90% financing. Simply complete your Kelowna mortgage application today!
Many people find it hard in the beginning to gather the money needed to buy a vacation property.
Investing in property means not only buying a house.


At Rampone-Marsh Mortgages we believe in finding you the most convenient mortgages in Kelowna, Vernon and all across Canada

Applying for a mortgage shouldn’t be hard or confusing,
How long does the mortgage process normally take?
If we are able to get the necessary documentation, we might be able to get an approval in as little as 24 hours. Keep in mind, the longer it takes for us to receive your documents the longer your approval will take to secure. Take a look at our mortgage checklist, for a summary of what you’ll likely need to provide.
Why is a mortgage insurance premium necessary?
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.

You guys, rock!
Thank you.
Carrie Mayhew
Garnet Dickinson

Karyn Mackenzie

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Here’s some more on Mortgage Renewal and Refinancing!

Yeaaaaah mortgage!
Whether you’re self employed, or buying a home for a new family, we have the perfect mortgage option for you.