Welcome to Cultivate + Evolve Financial, where award-winning mortgage broker Catherine Ellis Melville and her woman-led team empower you with comprehensive solutions and personalized guidance. As passionate advocates for financial education, we’re thrilled to share our expertise through valuable mortgage insights, home buying tips, and money management strategies. Join us on this journey to evolve your financial future and stay up-to-date with the latest industry trends.
I’m Catherine Melville, steering the ship with Andrew Melville, who oversees client care and marketing. Our collective expertise and dedication are focused on guiding you through every aspect of homeownership and real estate investment, providing clear, personalized advice for your unique needs.
With a solid background in brokerage and lending, our team is well-equipped to support a range of financial projects—from your first home to investment properties and beyond. We’re all about building strong foundations, smart budgeting, and strategic planning to ensure your success.
Personalized service is at the core of what we do. We craft customized strategies that reflect your individual needs, empowering you with the knowledge to make confident real estate investment decisions and secure your financial future.
Feel free to explore our site for valuable insights into real estate financing, and don’t hesitate to get in touch for personalized support. We’re here to answer your questions and provide the expert guidance you deserve.
Our broad network of lenders, from major banks to alternative and private lenders, enables us to find the best fit for your specific needs, offering options that align perfectly with your goals.
A bit about me—I started my mortgage journey in 2009 while completing my degree in Management & Finance at UBC. After graduating and obtaining my Mortgage Brokers Certification, I’ve focused on residential lending and strategic planning, recognized as a Woman of Influence in the industry for seven consecutive years and serving as the Regional Director for BC and the Yukon with the Mortgage Professionals Canada Chapter.
At Cultivate + Evolve, we believe in growing together, continuously enhancing our skills to offer you unparalleled service and support in achieving your real estate and financial dreams.
Thank you for stopping by. We’re excited to be part of your financing journey and help bring your aspirations to life.
We’re proud to share the experiences of clients who have trusted us with their financial journeys. Their stories of growth and success inspire us every day. Read their reflections and see how our personalized approach has made a lasting impact. Have a story of your own? We’d love to hear how we’ve helped you reach your goals!
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Explore your mortgage options with ease using our innovative mortgage calculator on the Cultivate + Evolve Financial website. This intuitive tool is designed to help you understand your potential monthly payments, interest rates, and amortization period at a glance. Tailored to provide you with a comprehensive overview of your mortgage possibilities, it empowers you to make informed decisions about your home financing. Start planning your financial future today with just a few clicks.
Click apply now to begin your application today!
The housing market is a key indicator of economic health, and recent data provides interesting insights into where we stand. Let’s dive into the numbers and what they mean for homeowners and potential buyers. Recent Housing Starts Data: In July 2024, we saw a significant surge in housing starts: • 16% increase month-over-month • Total
In today’s economic landscape, inflation is a hot topic that directly affects homeowners and potential buyers. Let’s break down the current trends and what they mean for your mortgage. Current Inflation Trends As of June 2024, the Consumer Price Index (CPI) stands at 2.7%. However, when we remove mortgage interest from this equation, the figure
Mortgage renewal is a critical financial moment for homeowners. With significant numbers of mortgages coming due in the next few years, it’s crucial to be prepared. Here’s your guide to a successful mortgage renewal. The Renewal Landscape Current projections show: • 2024: 250 million dollars in mortgages maturing • 2025: 300 million dollars in mortgages
In our interconnected global economy, the value of the Canadian dollar plays a crucial role in shaping our mortgage landscape. Let’s explore how currency fluctuations impact mortgage rates and what it means for homeowners and potential buyers. Current State of the Canadian Dollar As of our latest data: • The Canadian dollar is currently trading
We have developed excellent relationships with lenders across the country, let us figure out which one has the best products for you.
