Mortgages With Meaning

→ Voted Best Mortgage Broker in 2026

APPLY NOW

To help you streamline your finances, so you can live more freely, give more generously, and be present for the ones you love

Mortgage financing can be confusing, it doesn't have to be, here's the plan to making it simple.

Get started right away

The best place to start is to connect with us directly. The mortgage process is personal. Our commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.

Get a clear plan

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let us cut through the noise, we'll outline the best mortgage products available, with your needs in mind.

Let us handle the details

When it comes time to arranging your mortgage, we have the experience to bring it together. We'll make sure you know exactly where you stand at all times. No surprises. We've got you covered.

Kambi Heywood

Hi, I’m Kambi, with over 27 years of experience in residential and commercial lending.


I work for you — not the bank — to find the best mortgage options for your unique situation, usually with no fees charged to you.


I’m proud to be part of BrokerSquared Paragon Mortgage Group, under the Tango network, and lead The Mortgage Central Team here in Cranbrook. This partnership gives me access to a wide range of trusted lenders and mortgage products, so you always get competitive rates and tailored solutions.


I’m also an active member of the community and a Charter Member of the Cranbrook Sunrise Rotary Club. Outside of work, I love life in the Canadian Rockies with my husband and children — and when I’m not helping clients, you’ll probably find me snowboarding, attempting to do yoga or run up a good hill somewhere.

Voted Best Mortgage Broker in 2026

Nice things people have said about working with me.

Kambi Heywood

Hi, I’m Kambi, an Accredited Mortgage Professional (AMP) with over 20 years of experience in residential and commercial lending. I’m dual-licensed in both BC and Alberta, which means I can help you with financing on either side of the Rockies.


I work for you — not the bank — to find the best mortgage options for your unique situation, usually with no fees charged to you.


I’m proud to be part of BrokerSquared Paragon Mortgage Group, under the Tango network, and lead The Mortgage Central Team here in Cranbrook. This partnership gives me access to a wide range of trusted lenders and mortgage products, so you always get competitive rates and tailored solutions.


I’m also an active member of the community and a Charter Member of the Cranbrook Sunrise Rotary Club. Outside of work, I love life in the Canadian Rockies with my husband and children — and when I’m not helping clients, you’ll probably find me snowboarding, practicing hot yoga, or diving into my next investment project.


LET’S TALK! 250-421-0540
CONTACT ME ANYTIME

Looking for some quick numbers?

Try THE AFFORDABILITY CALCULATOR

Start by telling us where you're at in your home buying journey.

Find out what you can afford in 30 seconds >

Find out if you can afford it in 30 seconds >

Find out how much you can take out in 30 seconds >

LEARN MORE ABOUT REVERSE MORTGAGES 

and other Mortgage Options for Seniors 55+.

LEARN MORE

Join the Best Years Club and learn how to live retirement life to its fullest!

Articles to keep you learning

Is Refinancing Your Mortgage a Good Way to Consolidate Debt?

By Kambi Heywood • June 11, 2026
If you're a homeowner juggling multiple debts, you're not alone. Credit cards, car loans, lines of credit—it can feel like you’re paying out in every direction with no end in sight. But what if there was a smarter way to handle it? Good news: there is. And it starts with your home. Use the Equity You’ve Built to Lighten the Load Every mortgage payment you make, every bit your home appreciates—you're building equity. And that equity can be a powerful financial tool. Instead of letting high-interest debts drain your income, you can leverage your home’s equity to combine and simplify what you owe into one manageable, lower-interest payment. What Does That Look Like? This strategy is called debt consolidation , and there are a few ways to do it: Refinance your existing mortgage Access a Home Equity Line of Credit (HELOC) Take out a second mortgage Each option has its own pros and cons, and the right one depends on your situation. That’s where I come in—we’ll look at the numbers together and choose the best path forward. What Can You Consolidate? You can roll most types of consumer debt into your mortgage, including: Credit cards Personal loans Payday loans Car loans Unsecured lines of credit Student loans These types of debts often come with sky-high interest rates. When you consolidate them into a mortgage—secured by your home—you can typically access much lower rates, freeing up cash flow and reducing financial stress. Why This Works Debt consolidation through your mortgage offers: Lower interest rates (often significantly lower than credit cards or payday loans) One simple monthly payment Potential for faster repayment Improved cash flow And if your mortgage allows prepayment privileges—like lump-sum payments or increased monthly payments—those features can help you pay everything off even faster. Smart Strategy, Not Just a Quick Fix This isn’t just about lowering your monthly bills (although that’s a major perk). It’s about restructuring your finances in a way that’s sustainable, efficient, and empowering. Instead of feeling like you're constantly catching up, you can create a plan to move forward with confidence—and even start saving again. Here’s What the Process Looks Like: Review your current debts and cash flow Assess how much equity you’ve built in your home Explore consolidation options that fit your goals Create a personalized plan to streamline your payments and reduce overall costs Ready to Regain Control? If your debts are holding you back and you're ready to use the equity you've worked hard to build, let's talk. There’s no pressure—just a practical conversation about your options and how to move toward a more flexible, debt-free future. Reach out today. I’m here to help you make the most of what you already have.

Bank of Canada Holds Rate at 2.25% — June 10, 2026

By Kambi Heywood • June 10, 2026
The Bank of Canada announced today that it is maintaining its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. For Canadian homeowners, buyers, and anyone with a mortgage on the horizon — here's what you need to know.

Everything You Need to Know About Second Mortgages

By Kambi Heywood • May 28, 2026
What Is a Second Mortgage, Really? (It’s Not What Most People Think) If you’ve heard the term “second mortgage” and assumed it refers to the next mortgage you take out after your first one ends, you’re not alone. It’s a common misconception—but the reality is a bit different. A second mortgage isn’t about the order of mortgages over time. It’s actually about the number of loans secured against a single property —at the same time. So, What Exactly Is a Second Mortgage? When you first buy a home, your mortgage is registered on the property in first position . This simply means your lender has the primary legal claim to your property if you ever sell it or default. A second mortgage is another loan that’s added on top of your existing mortgage. It’s registered in second position , meaning the lender only gets paid out after the first mortgage is settled. If you sell your home, any proceeds go toward paying off the first mortgage first, then the second one, and any remaining equity is yours. It’s important to note: You still keep your original mortgage and keep making payments on it —the second mortgage is an entirely separate agreement layered on top. Why Would Anyone Take Out a Second Mortgage? There are a few good reasons homeowners choose this route: You want to tap into your home equity without refinancing your existing mortgage. Your current mortgage has great terms (like a low interest rate), and breaking it would trigger hefty penalties. You need access to funds quickly , and a second mortgage is faster and more flexible than refinancing. One common use? Debt consolidation . If you’re juggling high-interest credit card or personal loan debt, a second mortgage can help reduce your overall interest costs and improve monthly cash flow. Is a Second Mortgage Right for You? A second mortgage can be a smart solution in the right situation—but it’s not always the best move. It depends on your current mortgage terms, your equity, and your financial goals. If you’re curious about how a second mortgage could work for your situation—or if you’re considering your options to improve cash flow or access equity—let’s talk. I’d be happy to walk you through it and help you explore the right path forward. Reach out anytime—we’ll figure it out together.
Show More

Frequently Asked Questions

  • What does a mortgage broker do?

    When you go to your bank, you're getting one lender's products — take it or leave it. When you work with me, I shop your mortgage across dozens of lenders to find the right fit for your situation. I work for you, not the bank. That means more options, honest advice, and usually no cost to you — my fee is paid by the lender when your mortgage closes.

  • Who do you help? Are you only for first-time buyers?

    Not at all. I work with Canadians at every stage of the homeownership journey — first-time buyers, people purchasing their next home, self-employed borrowers, newcomers to Canada, seniors exploring reverse mortgages, investors, and anyone going through a divorce or separation. If a mortgage is involved, I can help.

  • Do you charge fees?

    In most cases, no. My services are typically provided at no cost to you — the lender pays my fee when your mortgage is arranged. For more complex situations, like private lending or certain alternative financing scenarios, I'll always be upfront about any costs before we proceed. No surprises — that's my commitment.

  • Are you licensed to help with properties in Alberta, or only BC?

    Both. I'm dual-licensed in BC and Alberta, which means I can help clients with properties on either side of the Rockies. Whether you're buying in Cranbrook, Fernie, or across the border in Alberta, I've got you covered.

  • How do I know what mortgage I can actually afford?

    The best place to start is a quick conversation. I'll look at your income, debts, down payment, and goals to give you a clear, realistic number — not just a ballpark. You can also try my affordability calculator on this page for a 30-second snapshot. But numbers without context only tell part of the story. Let's talk.

  • How long does it take to get a mortgage approved?

    It varies, but I work to make the process as efficient as possible. Once I have your documents and application, pre-approvals can often be issued within 24–48 hours. Full approval timelines depend on the lender and complexity of your file. I'll keep you informed every step of the way — you'll always know exactly where things stand.

  • I'm self-employed. Can I still qualify for a mortgage?

    Yes. Self-employed borrowers absolutely can qualify — it just requires a lender who understands how your income is structured. I work with lenders who have strong self-employed programs and know how to properly assess income that doesn't come from a T4. Let's look at your full picture together.

  • What if I have less-than-perfect credit?

    Credit challenges don't automatically disqualify you from getting a mortgage — they just change the approach. Depending on your situation, there may be options available through alternative lenders or a structured plan to strengthen your credit before applying. I'll give you an honest assessment and a clear path forward, whatever that looks like.

  • I'm going through a divorce. Can you help me sort out the mortgage on our shared home?

    Yes, and I understand this is one of the most stressful situations a person can navigate. Whether you're looking to buy out your spouse, refinance to remove a name from title, or figure out what you can qualify for on your own, I can help you work through the options clearly and without judgment.

  • What areas do you serve?

    I'm based in Cranbrook, BC, and serve clients throughout the East Kootenays, the broader BC Interior, and Alberta. Thanks to my dual license, geography isn't a barrier — and most of our process can be handled remotely, so wherever you are, we can work together.

Still have a question?

CONTACT