Resources

Below I have provided you with some valuable tools to use when considering the right mortgage for your needs.

While these tools are very useful, consider giving me a call for a FREE consultation. My years of experience in the financial industry are at your dispense.

Mortgage Payment Calculator

Enter in your mortgage details to see how much interest and principal you will pay along with the balance that will be due at the end of the term.

Income Qualifier Calculator

Enter in your household income to determine the maximum mortgage amount you qualify for. This calculator will take all expenses into account including taxes, utilities etc.

Mortgage Finance Calculator

Find out how much income is required to purchase your dream home. Enter in the property details and this calculator will take all expenses into account to determine the income needed.

Bank of Canada

Link to Bank of Canada’s website. Stay up to date on all BofC rate announcements.

Home Buyers Guide

Everything you need to know and more about the home buying process.

My Monthly Newsletter

kristy-towson-kelowna-mortgage-broker

I Make Living Affordable

Communication is key! I work closely with my clients to find the best mortgage that suits their needs, communicating with them throughout the entire mortgage process. Find out why I am the best Mortgage Broker Kelowna has to offer.

~Kristy Towson

This was the second time Kristy has helped us with our mortgage for our homes in Kelowna. Without hesitation or reservation, we would fully recommend her services. She is responsive, efficient, comprehensive, knowledgeable and reliable with time sensitive and detail oriented tasks. She knows her clients and the lenders she works with well and can anticipate what is required to get approved. She works very hard to ensure everything is complete well within deadlines. We are so grateful for Kristy and can't recommend her enough!

Google Review ★★★★★

Janice Tuling

Kristy was an amazing mortgage broker that made our first home buying experience so, so smooth! She was available for all the questions and concerns and always made sure we were taken care of. Highly recommend her services and will continue to use her in the future!

Google Review ★★★★★

Erin Van Den Brink

Would highly recommend Kristy to friends and family; she was able to lock us in for a great rate on our mortgage renewal just before rates went up and it was because of her timing, quick responses to emails and prioritizing us as a client that made it possible. Thanks Kristy.

Google Review ★★★★★

Steven Reems

Kristy was excellent to work with. She was patient, responsive, and professional. She provided accurate and timely information. Kristy asked insightful, helpful questions to ensure that we were receiving exactly what we wanted and needed. I would definitely work with her again.

Google Review ★★★★★

Wesley Nygaard

My husband and I are both self employed and found it difficult to secure a mortgage on our own with our type of income. We reached out to Kristy in hopes she could find a way to get us into a house even in this current market. I appreciated how thorough she was explaining to us all of our options and how hard she worked to secure us the best deal. We highly recommend her services and can't say enough about how stress free she made the process.

Google Review ★★★★★

Tara Hutzal

I have worked with Kristy both personally and also professionally with my clients for Real Estate. Kristy is knowledgeable, consistent and a joy to work with. I would highly recommend her to anyone and look forward to working with her in the future. Thanks again Kristy!

Google Review ★★★★★

Sarah Sucloy

Realtor

Kristy was amazing to work with! Our situation was challenging due to a few unexpected issues that came up along the way, but Kristy worked hard to sort everything out and explain it all to us in a way we could easily understand. I can't imagine buying our first home without her help! I will be recommending her services to anyone looking to get started with a mortgage. Thanks again Kristy!

★★★★★

Stephen Cogbill

Kristy was fantastic! She considered many different options and found the one that would work the best for us. We ended up in our dream home on an amazing property which we were not sure would be possible until having discussions with Kristy. She was very professional, detail oriented, and found us the best rate available. Thank you!

Google Review ★★★★★

Chris Lewis

Kristy is professional and knowledgeable in all aspects of lending and mortgages. Would highly recommend!

Google Review ★★★★★

Jeremy Harris

Kristy worked diligently to help me with a mortgage during a very difficult time for me. Knowing that she was working behind the scenes made a world of difference for me. I have and will continue to recommend her services to others.

Google Review ★★★★★

Ben Macauley

Kristy was first class all the way. We've never used a mortgage broker before and decided to give it a try. Our web search brought us to Kristy and we considered ourselves very lucky to tap into her knowledge, experience and amazing customer service. She was always prompt in replying to any questions and seamlessly walked us through all the steps involved in getting us a great mortgage at a great rate. We certainly would have no hesitation in referring Kristy to anyone. Thanks Kristy. Your hard work was very appreciated.

Google Review ★★★★★

Ken Read

Kristy has helped several of my clients get a mortgage now! She is quick, reliable, and extremely knowledgeable! I love the fact that I can email her a question at 9:30 pm on a Friday night and she will respond right away. Amazing service! Thanks Kristy for doing such a great job for my clients!

Google Review ★★★★★

Stephanie Forman

Realtor

Great Mortgage Broker. Although we are new to Kelowna and we had a complicated mortgage application, Kristy has fought for us and have made it happen!!!
Very knowledgeable, resourceful & professional, highly recommend Kristy!!!!

Google Review ★★★★★

Nir Saar

I highly recommend Kristy. Our experience with her was great! Also convenient and easy threw phone and email. She was always quick to respond and give great advise. Thank you Kristy!

Google Review ★★★★★

Cindy Bellavance

Kristy was awesome to work with. She was organized and great at listening to what we wanted. She worked with our weird schedules and was patient with us as we dealt with all the paperwork. She even made suggestions we hadn’t thought of and got us more than we had hoped for. I highly recommend her.

Google Review ★★★★★

Lisa Klassen

Kristy was incredibly knowledgeable when helping us with our construction mortgage. She is a Kelowna mortgage broker and even though we live out of town, Kristy was very accommodating and was able to do all correspondence through phone calls and email. She was readily available to answer all our questions and was awesome to work with. I would highly recommend her to anyone looking for a mortgage broker.

Google Review ★★★★★

Rachel Stubbert

Kristy did a great job explaining the process to us, the mortgage options and the insurance options. She was quick and got the documents set up with the lending agency quickly and the electronic signature method was excellent. Her fast responses via email, text, and voice were very much appreciated in the short time that we had to do all of this. I would recommend her to others who are looking for a very good mortgage broker who is fast, efficient, friendly, and very knowledgeable.

Google Review ★★★★★

Mark Fewkes

Working with you is as easy as it can be. Your communication is very clear and you are very helpful at giving an overview of the purchase.

Julien L.

We were fortunate enough to have Kristy work on our behalf to acquire a Line of Credit for the purchase of our home. The transaction was worry free due to her experience and knowledge of the situation. We are very pleased to recommend her to anyone looking for help with their mortgage needs.

George & Ladorne

I was very impressed with Kristy’s availability and her willingness to meet with us whenever it was most convenient for us. She was very quick to come through with what we needed and even found us options that we hadn’t known about before. Kristy’s knowledge and professionalism made selling our home and buying a new one a lot less stressful and I wouldn’t hesitate to recommend her services to my friends and family.

Michael & Tanis

After losing time from working with dishonest brokers we relied on Kristy Towson to put together the most impossible deal in less than 48hours and she hit it out of the park. While many brokers fled she seemingly relished this near impossible deal. She was truly a God-send for us.

Delmar & Kadian

As a first time home buyer Kristy was very informative and quick to reply to my many questions. She was very organized in getting everything done properly and efficiently...and best of all got me a great interest rate! I would highly recommend Kristy.

Andrea O

Kristy Towson is knowledgeable, patient, accommodating, and most importantly honest. When we shared with friends our plan to purchase a foreclosure, they were less than thrilled and just told us it would be a bad idea; however, Kristy took the time to explain everything in detail about the process and what we could expect. She was completely honest. Definately someone I would recommend and use again.

Tim & Ashlee W.

Thank you for your time and energy. It has been much appreciated.

Doug & Suzanne

Kristy is the best Kelowna mortgage broker out there! She helped us get a residential mortgage when it was difficult due to our small business income. Working extra time to make sure we were able to secure the financing we needed. We appreciate her hard work very much, she is the best mortgage broker Kelowna has in my opinion!

Google Review ★★★★★

RX Arms Solutions

Kristy was a pleasure to work with. She communicates clearly. She is professional in her service, and advocated very well for us with the lender. Thank you Kristy!

Google Review ★★★★★

Wendy Elrick

Kristy went above and beyond for me as a client. When it looked like my closing dates were going to have a gap, she already was working on a way to fix it before I even asked the question. She is quick to answer questions and super patient as some of my questions weren't always articulated perfectly. She is not only great with her clients but she searches out the best options. Thanks Kristy.

Facebook Review

Annaka W.

Kristy did an amazing job, finding a lender in less than 24hr. She took care of all the details and worked relentlessly to close the deal in time, with a very tight deadline looming.

Google Review ★★★★★

Sylvain LaRochelle

Working with Kristy was such a blessing! Kristy was extremely knowledgeable, and so clear and easy to communicate with. She was able to negotiate an excellent rate, and exactly what we needed for our renewal. We would recommend her to anyone and have already sent other friends and family members her information so they can have an exceptional experience with her just like we did!

Google Review ★★★★★

Trina Dingman

Kristy was great help with helping me understand the mortgage world and getting my first mortgage for my home! She is quick to respond to any questions or problems you may have. I will definitely be using Kristy again for my next mortgage!

Google Review ★★★★★

Zachary Joy

Kristy was absolutely amazing! Her communication and knowledge was top notch! She kept in touch with me and my realtor every step of the way and got everything approved very quickly. I can't express my gratitude enough. I will not hesitate in recommending her to all my family and friends.

Google Review ★★★★★

Cora M

Got everything done on time within a tight timeline. Kristy also helped us at any time of day or night to complete our mortgage approval. Highly recommended.

Google Review ★★★★★

Aaron S

I couldn't recommend Kristy enough. She made the whole mortgage process easy and stress free. Her communication is impeccable and she is beyond professional.

Google Review ★★★★★

Tom Walker

Kristy did an amazing job and really went above and beyond in helping us secure our first mortgage. She was incredibly patient with us being first time home owners and was able to address all our questions and concerns. We were concerned because our work situation weren’t typical but she managed to still make it work while always being accessible and keeping us updated. Thank you Kristy! Couldn’t recommend her more!

Google Review ★★★★★

Michael Hoy

Thank you for your excellent service with our first mortgage, Kristy!

Google Review ★★★★★

Marissa Multari

We were directed to Kristy by our realtor Tracey Lang and were very happy with our relationship. Everything you’d expect and more. Transaction was smooth and we’re happily in our new home. Thanks Kristy!

Google Review ★★★★★

Stu L

Our experience working with Kristy was a positive one. It was very convenient being able to do everything through email or over the phone. We would highly recommend her services.

Google Review ★★★★★

Nicole Reum

Kristy works very hard to explore all options. We really appreciated working with her!

Google Review ★★★★★

Janice Tuling

Google Review ★★★★★

Rod R.

We had a great experience working with Kristy. From the application to the approval process, it was quick and efficient. She is an expert in her field and negotiated below market rates for us. I certainly recommend Kristy for your lending needs!

Amanda K.

We loved our experience with Kristy! She was very attentive and creative in finding the right solution for us.

Google Review ★★★★★

Marni Turek

We felt absolutely confident in Kristy Towson as our mortgage broker. She paid close attention to our needs and worked diligently to find the best match in a mortgage product. Kristy is knowledgeable and professional, and it always feels like she is working as earnestly as if it were her own mortgage. She follows up until every detail is in place, and we would heartily recommend her services.

Brendan & Krista

Moving from Ontario to B.C., and buying a home provided a unique set of challenges. Kristy was able to guide us through the process and went above and beyond to help us obtain our mortgage and start our new life in British Columbia.

Nathan & Alex W.

My husband and I were purchasing our first home together in this area and we were recommended to Kristy from the people that we were renting from. When I first met Kristy I knew that our experience with her was going to be a great one. Kristy is very good at what she does and she genuinely cares about her clients. She made sure that we would get the best interest rate and that everything would go smoothly. Thank you so very much Kristy for going above and beyond to make our purchase a good one. We will always recommend you in the future to everyone we know purchasing a home or business.

Google Review ★★★★★

Allan and Carolyn Warniski

As a buyer relocating from another province, it was not an easy task getting everything in order. Kristy did a great job in assisting me and arranged for a good rate and did so with a positive, friendly and efficient manner!

Google Review ★★★★★

Karna Luchsinger

Last month my new husband and I found our dream ski chalet up at Big White. There was a competing bid and in order to secure the deal we had to offer an extremely tight timeline for subject removal. Kristy worked with us on a daily basis to get mortgage approval so we could remove subjects in time. I have no doubt that without her hard work and dedication we could have lost the deal. I am so grateful to her and loving our place on the hill!

Kim W

Thanks to Kristy for all the hard work she did to get my home equity LOC in place. Because I am out of province and self employed in the service industry, processing my application was a little more complicated than some but Kristy knew how to handle every detail and she was able to get the job done efficiently. Thanks again Kristy.

Audrey L.

Your expertise in helping us has been beyond our expectations. Your hard work and willingness to go the extra mile to help us purchase our home has been truly appreciated. Thus far we have recommended you to our family members and others friends whom ask for recommendations on a Mortgage Broker.

Norman & Linda H.