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Tricia McIntosh – Mortgage Professional

As a mortgage broker that prides herself on exceptional client care, Tricia is here to help you secure a mortgage product tailored to suit your individual needs, at a great rate, with no cost to you. Whether you are buying a new home, renewing a current mortgage, refinancing for renovations or other life events she is available to answer your questions and assist you in any way that you need, at any stage of your mortgage life.

Tricia began her financial services career in banking almost 20 years ago and returned to become a licensed mortgage broker in 2010. Prior to brokering I was a part of the RCMP family for 10 years as a police dispatcher and 911 operator, where she met her husband who is still a serving member.

Her expertise and experience in the mortgage industry allows her to help clients realize their financial goals through homeownership. Her passion is assisting first time home buyers, and supporting RCMP and other First Responders in realizing their dreams of homeownership. Having firsthand knowledge with government relocation she is well versed in the RCMP transfer program and knows ahead of time how to maximize the allowances available to members, and how to navigate every stage of the relocation process.

As a licensed mortgage broker in both BC and Alberta, and through her affiliation with Mortgage Alliance, she routinely helps secure mortgages all across Canada.

Liz Paradis – Mortgage Professional

Liz became a licensed mortgage broker in 2017, after spending 7 years doing collections for a telecommunications company.  She prides herself on providing exceptional service to her clients, and especially enjoys working with first time home buyers, as well as those who have experienced credit issues.  

Living in Victoria, Liz spends a lot of time outdoors, and can usually be found exploring hiking trails and beaches with her dog King.

Kari Hawryluk – Mortgage Professional/ Licensed Assistant

Kari’s financial services career started in 2009 where she worked at a bank in Calgary before returning to Vancouver Island to complete her Bachelors of Business Administration. Upon graduation she worked in a busy Financial Planning office until she took a hiatus to follow her passion in fitness.

Clients have trusted her for years to ensure they get the best care for their body, programs that are tailored to their individual needs and is excited to bring that level of care working with the team at McIntosh Mortgages. Being self-employed for years, she turned to a mortgage broker to purchase her first home and was happy with the service and options to have access to other mortgage products not offered by her bank.  Now as a Licensed Mortgage Professional, she is happy to be able to help clients become home owners and be able to offer at great rates and products at no cost to the her clients.

Samantha Elam – Mortgage Professional

Sam provide her clients with professional advice for their home financing needs.  Her passion is to find financing solutions for all of her clients and to share her knowledge and experience to help people understand the process.  Having worked in the investment industry for 4 years prior to being licensed as a mortgage broker, Sam understands the importance of building a balanced portfolio while maximizing savings.  She looks to understand a clients’ full financial picture, while providing the best options for their long term plans.

Sam understands how busy life is and therefore, she doesn’t have “business hours”.  She wants to make the process fit into the time you have and to be available when you need her.  She prides herself on providing ethical and honest advice with a high level of customer service.  A mortgage is a lifetime commitment and therefore she will be with her clients for the long term and wants to be the person you think of when you or someone you know needs a mortgage.

Debbie – Client Care Specialist

Debbie brings a wide range of past experience to the team with a work history that includes; mortgage officer, records coordinator for the RCMP and Calgary Health Region, executive assistant in Oil & Gas as well as experience in various finance roles.

When not at work, Debbie spends time outdoors enjoying nature, is an avid photographer and loves to bake.

ABOUT ME

As a mortgage broker that prides herself on exceptional client care, I’m here to help you secure a mortgage product tailored to suit your individual needs, at a great rate, with no cost to you. Whether you are buying a new home, renewing a current mortgage, refinancing for renovations or other life events I am here to answer your questions and assist you in any way that you need, at any stage of your mortgage life.

I began my financial services career in banking almost 20 years ago and returned to become a licensed mortgage broker in 2010. Prior to brokering I was a part of the RCMP family for 10 years as a police dispatcher and 911 operator, where I met my husband who is still a serving member. 15 years later, we have 2 kids, Evan (7yrs), Olivia (9yrs) and our old dog Lexy (14yrs).

My expertise and experience in the mortgage industry allows me to help my clients realize their financial goals through homeownership. My passion is assisting first time home buyers, and supporting RCMP and other First Responders in realizing their dreams of homeownership. Having first hand knowledge with government relocation I am well versed in the RCMP transfer program and know ahead of time how to maximize the allowances available to members, and how to navigate every stage of the relocation process.

I am a member of the Mortgage Brokers Association of BC and the Alberta Mortgage Brokers Association. As a licensed mortgage broker in both BC and Alberta, and through my affiliation with Mortgage Alliance, I routinely help secure mortgages all across Canada.

I remain committed to my clients, near or far, continuing to inform and educate them through the span of their mortgage holding years. By fostering long term relationships built on trust, the majority of my business is repeat and referral clients.

In 2016 my family and I moved to Victoria BC, setting roots and coming to the decision to make Victoria our forever home. Victoria is a beautiful city and I encourage all my distance clients to call ahead when visiting – I’d love the opportunity to take you for a coffee or make a recommendation for a favorite restaurant or exciting activity.

I look forward for the opportunity to help each and every one of you to secure a great mortgage, at a great rate, all while feeling like there’s someone looking out for your best interests.

$100 of every mortgage funded goes towards cops for cancer.

In 2019 we were honored to donate $8500 to Cops for Cancer Tour de Rock. It was such a huge success that, moving forward,  we’ve decided to continue donating $100 from every mortgage to Cops for Cancer. 

Dollars Raised in 2020

SERVICES

Refinance

Are you looking to access some of the equity built up in your home? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property, or spend the next eight years in a vineyard… regardless, let’s discuss all your mortgage refinance options!

Home Purchase

If you’re looking to buy a property, unless you have all the cash necessary in the bank, chances are you’ll need to get a mortgage! With so many options and mortgage products available, where do you start? You’re in the right place. Instead of working with a banker who represents a single line of products, when you work with us, independent mortgage professionals, we can represent you to several institutions, and you can pick the best mortgage product that suits your individual needs. In most cases, our services are at no added cost to you!

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Renewal

If you are within six months of your mortgage renewal, or if your existing lender has sent you a renewal offer in the mail, please don’t just sign the offer, contact us directly, and we can give you a second opinion, and in most cases save you money. There is always room to negotiate, or to find a completely new lender. Our goal is to save you money, we can’t do that, unless you give us a call!

LENDERS

We have developed excellent relationships with lenders across the country, let’s figure out which one has the best products for you.

Media

We always keep our blog up to date so you can stay informed.

Ultra-Low Interest Rates

Ultra-Low Interest Rates

Chances are if you’ve been paying attention to the news as the Canadian economy continues to work through the COVID-19 pandemic, you’ve heard that interest rates are at an all-time low. And it would appear that they will remain low for a while. In fact, the Bank of...

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Bank of Canada Rate Announcement Sept 9th, 2020

Bank of Canada Rate Announcement Sept 9th, 2020

Bank of Canada maintains commitment to current level of policy rate, continues program of quantitative easing. The Bank of Canada today maintained its target for the overnight rate at the effective lower bound of ¼ percent. The Bank Rate is correspondingly ½ percent...

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Happy Clients

After being told that we didn’t qualify for a mortgage because of our move/change of jobs, we thought we were hooped. We got Tricia’s information and shot her a quick email to see what she thought, since we had nothing to lose. We had the absolute pleasure of then having Tricia work harder for us to get a mortgage than anyone. She was available to answer all our questions and being first-time home buyers, we had lots! She was able to secure us a great rate and work in some extra items like our roof, etc., –  all of this done by the way from 2 separate cities. She made it work! As long as we have a mortgage, we will have Tricia by our side and we couldn’t be more thankful! We would highly recommend her services!

J. Radford
We had become increasingly dissatisfied with our bank and their mortgage ‘advisors’ so we started looking for a mortgage broker. Tricia’s name was continuously mentioned so we contacted her. Tricia was very knowledgeable, easy to talk with and made herself available anytime we had questions. She found us a great rate and explained the various options to us. When we purchased our house Tricia was there every step of the way and everything was dealt with smoothly and efficiently. I highly recommend using Tricia as a broker!

D. Dawn

Tricia was wonderful and so easy to work with through selling our home and buying our new home. She was very knowledgeable and was able to help us with everything we needed, we didn’t even need to be in the same town. We will always use her as it is so easy to do everything with her.

K. Painton

I purchased my first home in August and Tricia was a huge part in making it a stress-free experience for me. She is extremely knowledgeable and helped me to understand the process every step of the way. Tricia’s professionalism and genuine personality exceeded all my expectations and I would highly recommend her!

A. Lee
Tricia was great to work with. Very knowledgeable, understanding, patient and quick to respond to any questions we had. Being first time home owners was stressful as heck not knowing what to expect and Tricia really helped make the experience as pain free as possible despite the best effort of the bank.

We would highly recommend Tricia to anyone when it comes to buying a home. We will absolutely engage her services again.

J. Tuttle
Even though we are in different provinces, Tricia made refinancing our mortgage a piece of cake! Even coordinated signing documents at our own home, on a time convenient for us! Will 100% be customers for as long as we have a mortgage!!

L. Marie

 

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Tricia McIntosh | Mortgage Professional

 

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