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My Rates

6 Months 3.50%
1 Year 2.29%
2 Years 2.24%
3 Years 2.29%
4 Years 2.44%
5 Years 2.39%
7 Years 3.44%
10 Years 3.84%
6 Months Open 3.20%
1 Year Open 3.20%
*Rates subject to change and OAC
AGENT LICENSE ID
134200
Trish Balaberde Mortgage Broker

Trish Balaberde

Mortgage Broker


Phone:
Address:
#200 - 1505 Harvey Ave , Kelowna, British Columbia

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VERICO mortgage specialists are Canada’s Trusted Experts and will be with you through the life of your mortgage.  As your broker my goal is to help you understand and successfully finance your home.  I am not tied to any one lender and will work with you, educate you and provide independent advice on the financial options that will assist you in deciding what is right for your situation. Getting the best rate is important.  So is choosing the right term and product.  You know your goals and my knowledge and experience will provide the insight on why you will choose one lender over the other.                 

I work with several lenders (more choice means competitive rates and terms) and after consultation with you I can quickly narrow down a list of those that suit you best making the choice for you easy and convenient.   You can be assured I will negotiate on your behalf and you can count on my knowledge to secure competitive rates and terms that will benefit you.  Let me investigate to see if there is an alternative to better suit your needs.

Whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — with 16 years experience I am the VERICO Mortgage Advisor who will work with you to get the right financing from the best lender with the rate and terms best suited to you.  


BLOG / NEWS Updates

My New Blog!

This is my new blog!

Top five home renovations that increase property value

Looking to increase your homes property value? Here are five of the best renovations you can do to your home to increase property value. These five renovations can sometimes have a return on investment 5-6x what they cost. #5 Flooring Flooring is one of the most important aspects of your house. You will see an immediate rise in property valuation with the installation of hardwood floors. Existing hardwood floors that you can refinish are ideal as they are less costly to restore and in higher demand than new flooring materials. For the bathroom, tile will always be in demand and retain value exceptionally well. #4 Fixtures Kitchens often look tired and dated, in large part due to old fixtures. Replacing or updating cabinet hardware, light fixtures, countertops and faucets will result in an immediate increase in your homes value. This small, but effective upgrade will also revitalize the entire home. Pot lights are in high demand in open concept style homes. #3 Bathroom Thebathroomis the second most important room in the home in terms of valuation. If you can add a three-piece bathroom to a home with only one full bathroom, you will see a dramatic rise in the market value of your home. While you should never compromise bedroom space for a bathroom, try sneaking one in dead space in the home. Scott managed to fit in a 3-piece bathroom under a staircase the width of the room measured just 44 inches. As an added tip, use glass for the shower to make the bathroom feel more spacious. #2 Kitchen Kitchens are the single most important room in the home relating to valuation. The kitchen can make a significant difference in the value of your home. As such, it is crucial that you invest in having a modern, fresh anddesirable kitchen. Modern cabinetry, under cabinet lighting and new appliances will all significantly increase the value of your home on the market. To save on cost without compromising construction and desirability, look at options like Ikea cabinets as opposed to custom cabinetry. #1 An Income Suite No surprise, but the single biggest way to increase the value of your home is to build an income suite within the property. Whether this is converting yourbasement into a rental, or another floor in the home, an income property will increase your homes worth. The main reason for this is that it covers a portion, or sometimes all of your mortgage payments, and results in your home being cash flow positive which creates real wealth that can supplement your income. sources:www.homeownership.ca; www.genworth.ca

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TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
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Equitable Bank ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages Street Capital