01
Know the number before you shop
A pre-approval tells you the range you're genuinely working in, so you don't fall in love with a home that was never going to work.
Buying your first home? · Summerland
Start with a real number, not a guess.
Before you fall for a listing, it helps to know what you can actually carry, what you need saved, and what a lender will want to see. That takes one short conversation, and it costs nothing.
- Free pre-approval conversation
- No obligation
- Summerland and Penticton
Stephen Aitcheson
Submortgage Broker · BCFSA #MB610332
Verified client · Sylvie B.
Stephen and his team were extremely professional, responsive, and helpful throughout the process of buying my home. Stephen was patient and helped me manage the complexities of obtaining a mortgage. I really noticed the dedication from his team and I am so glad I chose them. Highly recommend!
First purchase
The hardest part of a first home is knowing where you stand
Online calculators give you a number with none of the conditions attached. A broker gives you the number a lender would actually agree to.
02
The down payment minimums are written down
Canada sets them by purchase price, in tiers. Stephen walks through exactly which tier applies to the homes you're looking at.
03
One conversation, several lenders
Rather than applying around and collecting credit checks, Stephen looks at the options and brings back the ones that fit.
British Columbia licensed · BCFSA #MB610332. Stephen Aitcheson is a Submortgage Broker working through Xeva Mortgage LLP, serving Summerland, Penticton and the South Okanagan. He compares options across lenders rather than one lender's shelf, and his support doesn't end at approval: he schedules an annual review so the mortgage keeps matching your life. No cost to talk, and no obligation.
Before you book: good to know
How much do I need for a down payment? Canada sets minimums that scale with the purchase price, and there are additional rules above certain thresholds. Stephen confirms the exact figure for the price range you're shopping in rather than quoting a blanket percentage.
Will getting a pre-approval hurt my credit? A pre-approval involves a credit check. Working through one broker means the comparison happens without you applying separately to several lenders.
How long does a pre-approval hold? Pre-approvals commonly hold for a set window, often around 120 days depending on the lender. Stephen confirms the exact term with the lender in your case.
Stephen Aitcheson, Submortgage Broker, British Columbia Broker License BCFSA #MB610332, working through Xeva Mortgage LLP. Rates and terms are not guaranteed and are confirmed directly with Stephen and the lender. Nothing here is financial or legal advice.
Reserve your spot, then pick a time
Leave your details and we'll hold your spot, then you go straight to the booking page to pick a time that suits you.
- Walks first-time buyers through the whole process
- Explains what lenders want to see before you apply
- BCFSA-registered, working through Xeva Mortgage LLP
Prefer to talk? Call 250-299-3886.
Hold my spot
You're all set. Pick your time below.
Book a 30-minute call