Mortgage Consultant

Conseiller en financement hypothécaire

Find the mortgage you are looking for with Monica Peckford, Invis in North Vancouver, British Columbia. Languages: English

Monica Peckford, Mortgage Professional, part of the Invis in North Vancouver, British Columbia

Trouvez l'hypothèque que vous recherchez avec Monica Peckford, Invis à North Vancouver, Colombie-Britannique. Langues : Anglais 

Monica Peckford, Courtier hypothécaire, faisant partie de Invis à North Vancouver, Colombie-Britannique

Designed for first-time homebuyers, our programs feature low down payment requirements, CMHC-insured high-ratio mortgages, and access to incentives like the First-Time Home Buyer Incentive where available. We guide you through the mortgage stress test, help maximize your borrowing power, and secure competitive rates tailored to your situation. Also, Sagen and Canada Guaranty insured mortgages.

Specialized first-time home buyer mortgages with CMHC insurance and government programs. As little as 5% down with expert guidance across Canada.

Designed for first-time homebuyers, our programs feature low down payment requirements, CMHC-insured high-ratio mortgages, and access to incentives li

First-time Buyers

Fixed rate mortgages provide payment certainty regardless of market changes. Popular in Canada for 3, 5, and 7-year terms, these closed or open options suit buyers seeking predictability. Our brokers compare rates from Canada’s leading financial institutions to help you choose the optimal term and amortization period.

Lock in stability with fixed rate mortgages in Canada. Compare 1-10 year terms from top lenders and get the best fixed mortgage rates available.

Fixed rate mortgages provide payment certainty regardless of market changes. Popular in Canada for 3, 5, and 7-year terms, these closed or open option

Fixed Rates Mortgages

Variable rate mortgages in Canada typically offer lower starting rates tied to the prime rate. Ideal for borrowers in Powell River, BC and surrounding areas comfortable with rate fluctuations, these products often include conversion options to fixed rates. We provide expert advice on when variable rates make sense given current Bank of Canada trends.

Benefit from potentially lower payments with variable rate mortgages in Canada. Switch between fixed and variable or choose hybrid options.

Variable rate mortgages in Canada typically offer lower starting rates tied to the prime rate. Ideal for borrowers in Powell River, BC and surrounding

Variable Rate Mortgages

Tap into your home’s built-up equity with a Home Equity Line of Credit (HELOC) or lump-sum home equity loan. Flexible borrowing, competitive rates, and potential tax advantages (consult a tax professional) make these powerful tools for Canadian homeowners. Available as readvanceable or standalone options. Serving Powell River and the Sunshine Coast of BC and surrounding areas.

Unlock home equity with competitive HELOCs and home equity loans in Canada. Use funds for renovations, investments, or debt consolidation.

Tap into your home’s built-up equity with a Home Equity Line of Credit (HELOC) or lump-sum home equity loan. Flexible borrowing, competitive rates, an

Home Equity Loans and HELOCs

At renewal time, switching lenders can save you thousands. We negotiate better mortgage renewal rates for Powell River and area mortgagors, help you avoid high posted rates, and ensure seamless transitions with minimal paperwork. Compare fixed, variable, and open renewal options tailored to your financial goals.

Don’t settle for your bank’s renewal rate. Shop mortgage renewals across lenders for better terms and significant savings.

At renewal time, switching lenders can save you thousands. We negotiate better mortgage renewal rates for Powell River and area mortgagors, help you a

Mortgage Renewal - Switch/Transfer

Self-employed borrowers often face challenges with traditional lenders. We connect you with A, B, and private lenders offering stated income mortgages, lower credit score options, and specialized programs designed for business owners and entrepreneurs across Powell River, BC and surrounding areas.

Qualify for a mortgage as a self-employed Canadian with flexible income verification and alternative lending solutions.

Self-employed borrowers often face challenges with traditional lenders. We connect you with A, B, and private lenders offering stated income mortgages

Self-employed & Alternative Mortgages

Refinancing your mortgage in Powell River, BC Canada can reduce monthly payments, shorten your amortization, or provide cash for renovations and debt consolidation. Our team shops major banks, credit unions, and alternative lenders to find the lowest refinance rates. We handle CMHC rules for insured mortgages and uninsured options, ensuring you meet qualification requirements while minimizing penalties and fees.

Refinance your Canadian mortgage to lower payments, switch to a better rate, or unlock home equity. Compare fixed and variable refinance options with 

Refinancing your mortgage in Powell River, BC Canada can reduce monthly payments, shorten your amortization, or provide cash for renovations and debt 

Mortgage Refinancing

Buying a home in Powell River, BC Canada? Our expert mortgage brokers help you secure the best mortgage rates for your purchase. Whether you need a high-ratio (insured) mortgage with as little as 5% down or a conventional mortgage with 20%+ down, we provide personalized options. Benefit from CMHC mortgage loan insurance guidance, current stress test compliance, and fast pre-approvals to strengthen your offer in competitive markets.

Buying a home in Powell River, BC Canada? Our expert mortgage brokers help you secure the best mortgage rates for your purchase. Whether you need a hi

Home Purchase Mortgages

The Canadian Home Income Plan (CHIP) Reverse Mortgage is Canada’s leading reverse mortgage solution, designed specifically for Canadian homeowners aged 55 and older. With a CHIP reverse mortgage, you can unlock a portion of your home’s equity as tax-free cash without selling your home or making monthly mortgage payments. Use the funds for retirement income, home renovations, debt consolidation, travel, or medical expenses — while continuing to own and live in your home. CHIP offers flexible payout options (lump sum, monthly payments, or line of credit), competitive interest rates, and no income or credit score requirements.Our experienced CHIP specialists guide you through the entire process, including a free home appraisal, with full transparency on costs and terms. CHIP reverse mortgages are available across Canada and backed by a strong reputation for helping seniors improve their financial security in retirement. We service the Powell River, BC and surrounding areas.

Access tax-free money from your home equity with CHIP Reverse Mortgages in Canada. No monthly payments required. Ideal for seniors 55+ who want to sta

The Canadian Home Income Plan (CHIP) Reverse Mortgage is Canada’s leading reverse mortgage solution, designed specifically for Canadian homeowners age

Reverse Mortgage

Monica Peckford

Hugh Hale

Monica really came through for us in a market where getting a mortgage was very difficult. Monica took all our information and packaged it professionally so we got a mortgage much better than we ever thought possible. A mortgage professional that was easy to work with, found a great solution and helped us secure our dream home. Outstanding!

Becky Harrison

Very attentive and helpful! My lifetime friend, realtor and mortgage broker.

Natalia Brown

Monica is a great and knowledgeable professional

brian woloschuk

She showed great professionalism in securing my mortgage and with great rates

Jelly Jimbo

Very helpful and knowledgeable. Quick response to any and all questions. We first got our mortgage through her 5 years ago and she has continued to be available to us ever since. We highly recommend her services to anyone looking for an excellent mortgage broker.

Brett Walker

Monica is an excellent Mortgage broker, I wouldn't consider using anyone else. She is very professional and knowledgeable.  We have been using Monica's services since 2015 and will continue to do so.

Justin Schwanke

It was great working with Monica as a first time home buyer. She acted as our realtor and mortgage broker. Monica was patient and never pushy. She was readily available and quick to respond to our questions. Monica did a great job of guiding us through the process and acting in our best interest. She was particularly helpful during the negotiation stage. I would highly recommend her.

Krista Peters

Monica was super helpful, and I had an extra complicated case. Enjoying my new home thanks to her helping us figure it out.

Chad MacDonald

Monica is amazing....very happy we found her to help us find a new home!!

Jordan Lith

Monica helped us find and buy our first home. We were new to the process and she was great at answering all of our questions and made us feel very at ease.  She is our realtor/mortgage broker for life! Highly recommend.

Mary Wikene

Monica is my go to person for everything related to buying, selling and financing. She always makes things come together when we need her and takes the stress off of us. Monica did a great job through our recent home sale and subsequent purchase and made financing easy even in a tough Canadian real estate and mortgage climate. Thanks Monica.

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First Time Home Buyer Mortgage

Fixed Rates Mortgages

Variable Rate Mortgages

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Hugh Hale

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