Welcome to Cultivate + Evolve Financial, where award-winning Kelowna mortgage broker Catherine Ellis Melville and her woman-led team empower you with comprehensive solutions and personalized guidance. Located in the heart of Kelowna, we specialize in delivering expert mortgage advice, financial education, and tailored strategies to help you achieve your real estate goals.
As passionate advocates for financial education, we’re thrilled to provide valuable insights into mortgages in Kelowna, home-buying tips, and effective money management strategies. Whether you’re purchasing your first home, refinancing, or investing in property, we’re here to guide you every step of the way.
I’m Catherine Melville, a dedicated mortgage broker in Kelowna, working alongside Andrew Melville, who oversees client care and marketing. Together, we combine years of expertise to deliver personalized solutions for your unique financial journey.
Since starting my mortgage career in 2009 while earning my Management & Finance degree from UBC, I’ve built a reputation for excellence in residential mortgage lending and strategic financial planning. Recognized as a Woman of Influence in the industry for seven consecutive years, I also serve as the Regional Director for BC and the Yukon with Mortgage Professionals Canada.
At Cultivate + Evolve, we’re proud to connect Kelowna residents and beyond with the best mortgage solutions. Our services include:
Our deep connections with lenders allow us to find competitive rates and terms that align with your goals. From first-time mortgages to complex real estate investments, our mission is to provide you with the clarity and confidence needed to make informed decisions.
We believe in building lasting relationships based on trust, transparency, and personalized service. Our goal is to simplify the mortgage process, helping you secure financing that aligns with your financial aspirations while offering a seamless experience tailored to Kelowna’s unique housing landscape.
Feel free to explore our site for valuable information about Kelowna mortgage rates, real estate financing tips, and the latest market trends. When you’re ready, contact us for personalized support and expert guidance. We’re here to help you navigate the journey toward homeownership and financial security.
At Cultivate + Evolve Financial, we grow alongside you, continuously enhancing our expertise to ensure your success. Let us be your trusted mortgage broker in Kelowna as you cultivate your financial future and evolve toward your 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!
If you’re considering making improvements to your property by adding secondary suites such as laneway homes or basement suites, there’s significant news that could impact your financing options. The insured mortgage landscape is evolving, allowing for more flexible refinance solutions that may be beneficial to homeowners like you. Here’s what you need to know: New
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
We have developed excellent relationships with lenders across the country, let us figure out which one has the best products for you.
