Meet Catherine, Founder & Lead Mortgage Professional, and the Cultivate + Evolve Team

Here to Guide Your Journey with Expertise and Care.

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Cultivate + Evolve Financial mortgage team in Kelowna
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Blue four-pointed star shape on a white background.

Welcome

We’re excited to learn more about you and how we can assist with your mortgage financing needs. I’m Catherine, the owner and lead mortgage professional at Cultivate + Evolve Financial Inc. I founded this company to empower Canadians to achieve homeownership, build wealth through real estate, and gain the financial confidence they deserve.

From an early age, I’ve been passionate about business—I started my first venture before my tenth birthday. Since then, I’ve built several successful businesses in the financial sector, earned a degree in Management (Finance) from the University of British Columbia, and received Mortgage Professional certification from UBC. I’m also an Accredited Mortgage Professional (AMP) through Mortgage Professionals Canada, a Smith Maneuver Certified Professional, and a Reverse Mortgage Specialist.

I entered the mortgage industry in 2008–2009 during the financial crisis, initially working in private lending. Seeing how a lack of financial education often led borrowers to hardship, I became committed to helping Canadians make informed decisions. With over 12 years as a licensed mortgage professional and 16 years in the industry, I’ve guided more than 1,800 clients through the mortgage process. As an award-winning broker, I’ve been recognized for my performance, community involvement, and innovative approach, and I’ve served as a board member for Mortgage Professionals Canada as well as a provincial advocate for MBABC.

My approach is highly personalized, backed by an incredible team and deep industry expertise. Whether you’re buying your first home, renewing your mortgage, refinancing, or growing your investment portfolio, I’m here to provide strategic, tailored solutions that make sense for you.

Beyond Mortgages

When I’m not working, I love spending time with my husband (Andrew), stepson (Thomas), my service dog (Tawny), and our cat (Blackberry). I enjoy traveling, reading, hiking, swimming, and spending time at our cabin in the Gulf Islands—gardening, paddleboarding, being on the beach, and soaking in a sunset.

I’m also deeply involved in the community, volunteering with Big Brothers Big Sisters as a mentor and supporting financial literacy programs through Junior Achievement and local schools. Additionally, I’ve worked with senior centers across the province, UBC’s BARK program, and other education initiatives.

Coaching & Business Growth

Beyond mortgages, I own and operate Cultivating Conversations, a coaching practice supporting entrepreneurs and mortgage professionals. I help business owners build systems, clarify their goals, and create thriving businesses. I’m a certified coach through Erickson Coaching International, holding an ACC credential with the ICF and a PCC credential with Erickson.

Whether you're exploring your options at renewal or considering refinancing solutions, I can help you design a strategy that aligns with your financial and lifestyle goals.

Catherine in blue coat sitting on a dock, hugging a dog, with lake and mountains in the background.
Catherin standing on wooden dock by a lake holding a mug, surrounded by trees and clear sky.

  • "Veris Awards" logo in gradient blue text on transparent background.
  • Gold medal with "CMP Women of Influence 2021" and star decorations
  • Logo of CMP, Canadian Mortgage Professional, in black text on a white background.
  • Canadian Mortgage Awards 20 logo
  • Silhouettes of women with pink accents representing the WIMI organization, Women in the Mortgage Industry. Logo includes text "WIMI" and "Women in the Mortgage Industry."
  • Gray President's Club 2023 logo with letter V

Our Mission

To empower you to make confident, informed mortgage decisions. Through a knowledge-based approach and consistent communication at every step, we provide personalized and compassionate service to help you achieve your homeownership goals.

Our Team

  • Catherine

    <h4> CEO & Mortgage Professional </h4>


    Fun Facts:
    ✦ I grew up on a sailboat
    ✦ I’ve traveled to over 30 countries
    ✦ I love skydiving!
    ✦ I read a book a week
    ✦ I speak three languages (one is still in progress 😉)

  • Madeline

    <h4>Unlicensed Mortgage Assistant & Client Care Coordinator</h4>


    Fun Facts:
    ✦ I grew up in the vibrant city of Calgary, Alberta, where I developed a love for the outdoors, the Stampede, and the city's amazing food scene
    ✦ I spent 10 years as a competitive dancer, doing everything from Ballet to Contemporary
    ✦ I love to paint, especially with watercolors and acrylics

  • Tawny

    <h4>Chief Paw-sitivity Officer (CPO)</h4>


    Fun Facts:
    ✦ Certified Service Dog - she assists her mum in a series of day to day tasks & loves to go to "work"
    ✦ Obsessed with Rocks - each day brings with it a new rock; in our home no rock is too big or too small for Tawny
    ✦ Professional Nester - bring on the blankets, pillows and corner cuddles - you won't find anyone better a building a nest then this little one

  • Kris

    <h4>Executive Assistant</h4>


    Fun Facts:
    ✦ Loving mum of two incredible girls
    ✦ Avid Volleyball player
    ✦ Left-handed
    ✦ I love my multiple, colour coded, synced calendars & reminders!

Kelowna mortgage professionals at work

Let's Work Together

We are dedicated to helping you make confident, informed mortgage decisions. Whether you're purchasing a new home, renewing your mortgage, or exploring refinancing options, we'll collaborate to create a personalized plan that suits your needs.