More Than Just a Mortgage
Mortgages aren’t one-size-fits-all. From salaried to self-employed, commission-based to rental income, every financial picture is unique. We work with a variety of mortgage types—fixed, variable, rental property, new construction, and alternative lending options—to match your income stream and long-term goals. Whether you’re building, investing, or buying your first home, we find the right solution for your situation.
Renewal/Refinance
Renewing or refinancing your mortgage isn’t just paperwork—it’s a chance to reset, reimagine, and realign your goals. Maybe your needs have changed, maybe rates have shifted, or maybe it’s just time for a smarter move. Whatever the reason, don’t settle for a one-size-fits-all solution. The Coast & Roots Mortgage Team is here to make sure your next step is the right one. We’ll walk you through your options, advocate for your best deal, and make the process smoother than you ever thought possible. Ready for a fresh start? Let’s make your mortgage work harder—for you.
Spousal Buyout
Going through a separation or divorce is emotionally and financially overwhelming—and when a home is involved, things can get even more complicated. If one partner wants to keep the home, a spousal buyout may be the solution. At Coast & Roots Mortgage Team, we guide you through this sensitive process with compassion, clarity, and experience. Ang’s background as a Real Estate Legal Assistant means she understands both the legal and mortgage sides of the equation—helping you navigate everything from equity calculations to support obligations and lender requirements. A spousal buyout mortgage can allow one person to take over ownership of the home, often with just 5% down, as long as certain conditions are met. We’re here to walk you through every step, advocate on your behalf, and help you move forward with confidence.
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Helpful Resources for Spousal Buyouts & Support Guidelines (Canada)
Low Credit Score
Life happens—and sometimes that means your credit takes a hit. Whether it’s a low credit score, missed payments, or other derogatory marks, it doesn’t mean homeownership is out of reach. At Coast & Roots Mortgage Team, we specialize in helping people rebuild and move forward. Ang’s years of experience—combined with her legal background—means she understands how to navigate complex credit situations with empathy and strategy. We’ll review your full credit profile, explain what lenders see, and build a plan that fits your current reality and future goals. Whether you're looking to buy now or just want to know your options, we’re here to help you take control and start fresh.
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Helpful Resources for Understanding & Repairing Credit
First Time Home Buyers
Buying your first home in Canada is thrilling—but it can also feel like stepping into the unknown. That’s why working with someone who truly knows the process makes all the difference. Before becoming a mortgage professional, Ang spent years as a Real Estate Legal Assistant, guiding files from accepted offer to keys in hand. She doesn’t just understand the mortgage side—she knows the entire journey from start to finish. At Coast & Roots Mortgage Team, we combine that legal know-how with personalized mortgage guidance to walk you through every step, explain your options clearly, and make sure you access every first-time buyer incentive available. You don’t have to navigate this alone—we’re here to help you feel informed, confident, and excited every step of the way.
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First-Time Home Buyer Incentives & Guidelines (Canada & BC)
Self Employed
Being self-employed or incorporated comes with freedom—but when it comes to getting a mortgage, it can feel like the rules suddenly change. Traditional lenders often look at your income differently, focusing on net earnings, retained earnings, or requiring years of financials that don’t tell the full story. That’s where Coast & Roots Mortgage Team steps in. We understand the unique challenges that come with self-employed income—and we know how to make it work. Whether you draw a salary, take dividends, or leave income in your corporation, we have access to a wide range of lenders and flexible mortgage programs designed specifically for business owners. With Ang’s experience and deep understanding of how to present your income strategically, we’ll help you find the right fit and feel confident every step of the way. You’ve built your business—now let us help you build your future.
Retirees
Retirement should be about enjoying life—not stressing over finances or feeling house-rich but cash-poor. Whether you're looking to downsize, access equity, or transition into a more manageable home, there are mortgage solutions designed specifically for retirees. At Coast & Roots Mortgage Team, we understand how to work with pension income, investment income, and other non-traditional sources of income in retirement. And for those looking to stay in their home longer, a reverse mortgage—also known as a no-payment mortgage—can be a powerful tool. It allows you to access the equity in your home without needing to make monthly payments, giving you flexibility, freedom, and financial breathing room. Used wisely, it can ease the transition into retirement, help fund a move to a new home, or simply provide peace of mind. Retirement looks different for everyone—let’s find a mortgage solution that fits your lifestyle.
Investors/Rentals
Purchasing a rental property or diving into real estate investing is a smart way to build long-term wealth—but it takes more than just a down payment and a dream. Financing investment properties comes with its own set of rules, from higher down payment requirements to stricter income and debt ratios. At Coast & Roots Mortgage Team, we know the ins and outs of rental property financing—including how different lenders assess rental income (hint: not all treat it the same), and the pros and cons of purchasing personally versus through a holding company. Whether you're buying your first investment property or expanding your portfolio, we’ll help you build a strategy that aligns with your goals and financial picture. Real estate is a powerful tool—let’s make sure you’re using it to its full potential.
New to Canada
Starting a new chapter in Canada is exciting—but when it comes to buying a home, being new to the country can come with extra questions and hurdles. At Coast & Roots Mortgage Team, we specialize in helping newcomers navigate the mortgage process with clarity, confidence, and care. Whether you’ve just arrived or have been here a few years, we understand the unique challenges you might face—like limited credit history or unfamiliar paperwork—and we know how to work with lenders who offer programs specifically for new Canadians. You’ve worked hard to start fresh here—let us help you take the next step toward owning your own home. You don’t have to figure it out alone—we’re here to guide you every step of the way.
