Cultivate + Evolve Financial

Meet Catherine, a seasoned and highly accomplished Licensed Mortgage Professional who has been making waves in the industry since 2013. With an impressive background in private lending and a deep-rooted passion for helping clients achieve their real estate goals, Catherine’s expertise is second to none.

Her journey began in 2010 when she ventured into the world of private lending, establishing and managing her own successful lending business. Recognizing the significance of education and specialization, Catherine pursued a Bachelor’s degree in Management, with a specialization in Finance, from UBC. To further enhance her qualifications, she obtained her Sub-Mortgage Broker License through UBC’s esteemed Sauder School of Business in 2013.

Throughout her career, Catherine has continuously demonstrated her commitment to the industry by staying at the forefront of the ever-evolving mortgage landscape. She remains meticulously informed about lender panels, educational sessions, and conferences, ensuring that her knowledge is always up to date. By prioritizing personal growth and development, Catherine consistently delivers the highest level of service to her valued clients.

Catherine’s exceptional contributions to the mortgage sector have earned her widespread recognition and respect. She has been honored as one of CMP’s Rising Stars and Women of Influence in 2020, in addition to being named a Women of Influence in both 2019 and 2018. Her outstanding performance also led to her inclusion as a finalist for the prestigious CMA Top Young Gun award in 2019. Furthermore, Catherine’s remarkable achievements were acknowledged with the WIMI of the Year award in BC in 2018. Her dedication to excellence has been consistently recognized, with accolades such as Top Producer XEVA Verico in 2020 and 2019, as well as membership in Verico’s esteemed President’s Club and Executive Club in previous years.

Driven by a genuine desire to effect positive change, Catherine has rebranded her mortgage business as Cultivate + Evolve Financial. With a steadfast focus on providing clients with a comprehensive and forward-thinking approach, she empowers them to navigate an ever-changing financial landscape. Through education, transparency, and solution-based strategies, Catherine helps her clients strengthen their financial literacy and build a prosperous future across all aspects of their lives.

Looking ahead, Catherine envisions fostering a sense of community, internal leadership, and continuous education within the industry. She is passionate about raising awareness of the valuable services offered by independent mortgage professionals and the benefits of working with them. Catherine firmly believes in collaboration, supporting and uplifting one another, and challenging the existing systems to drive industry-wide improvement.

Beyond her professional pursuits, Catherine actively contributes to various organizations that align with her values. She is a proud member and supporter of WIMI, MPC, MBABC, and 100 Brokers Who Care. Her volunteer work includes providing financial literacy through Junior Achievement BC, where she imparts valuable knowledge to students aged 7-18. Catherine and her furry companion, Tawny, also volunteer as BARK Volunteers, delivering pet therapy to students in need within the community, with a focus on the UBC Okanagan Campus. Furthermore, Catherine extends her financial literacy initiatives to seniors’ centers and the wider community, aiming to empower individuals of all ages and backgrounds.

Catherine’s professionalism, expertise, and unwavering dedication have established her as a trailblazer in the mortgage profession. Her profound impact, both within her field and beyond, serves as an inspiration to her peers and clients alike. With a clear vision for the future and an unyielding commitment to excellence, Catherine is driving positive change within the industry while leaving a lasting legacy of success and empowerment.

Get to know Kelowna's best Mortgage Broker, Catherine Ellis Melville

Catherine is dedicated to helping you achieve your dream of owning your first home and building a solid foundation for your future. With her extensive experience in finance and the real estate sector, she offers a well-rounded and straightforward approach to guide you through the process with confidence. Whether you’re looking to buy, sell, or invest in real estate, Catherine is always available to discuss your options and provide valuable insights. She values every client and takes a hands-on approach to keep you informed and involved at every step of the way.

Recognizing that buying real estate is a significant decision, Catherine is committed to providing you with all the necessary information and the best lending solutions available. Her goal is to ensure that you have everything you need to make informed decisions and achieve the best possible outcomes. Catherine’s philosophy revolves around building lasting relationships with her clients, rooted in trust, transparency, and mutual respect. Her dedication extends beyond the closing of a deal, as she remains a trusted advisor and resource for any future financial or real estate inquiries. Her approach is tailored to meet your unique needs, understanding that each client’s journey is distinct. With Catherine by your side, you’re not just navigating the mortgage or real estate market; you’re setting the stage for long-term financial health and stability.

Outside of Work

Catherine is a bundle of energy and adventure, always seeking new thrills and experiences. When she’s not busy helping clients navigate the world of real estate, you’ll find her indulging in a variety of exhilarating outdoor activities. From hiking and running to sailing and skiing, Catherine embraces the great outdoors with gusto. She’s even been known to take the leap and enjoy skydiving every now and then. One of Catherine’s true passions is exploring different cultures and cuisines. She’s a self-proclaimed foodie and loves to try new dishes from all corners of the globe.

On a lighter note, Catherine’s loyal companion, Tawny, her beloved dog, adds an extra dose of joy to her life. With a wagging tail and a playful spirit, Tawny often accompanies Catherine on her adventures and brings a smile to everyone they encounter.

So, whether you’re ready to dive into the real estate market or seek a wine suggestion to tantalize your taste buds, reach out to Catherine today. Her zest for life and commitment to providing exceptional service will make your journey not only fruitful but also immensely enjoyable. Plus, who knows, Tawny might make a surprise appearance and add a touch of furry charm to your interactions.

Brian M. Ducey – Senior Underwriter & Fulfillment Specialist :
He joins us with 30+ years’ experience in the mortgage sector – having extensive experience in the banking channel as a mortgage underwriter for TD, Merix, Scotiabank, Marathon & on the broker side for large brokerages in BC – alongside providing Audit Services for our provincial regulator BCFSA. He will be handling document review, pre-qualifications, lender submissions, condition fulfillment & ensuring your mortgages get reviewed, approved & funded on time.

He can be reached at mortgage@cefinancial.ca or at 778-363-9093

Brian M Ducey works for Kelowna's Best Broker

Valeria Datica – Executive Assistant & Client Relations
As an Executive Assistant she has over 4+ years as an executive assistant and has worked for multinational organizations and an education in administration– supporting the team, Catherine & clients with scheduling, follow up, organization, day to day operations and ensuring everything goes as smoothly as possible. She is the glue that holds us all together!

She can be reached at admin@cefinancial.ca

Valeria works for Kelowna's Best Mortgage Broker

Andrew Melville – Client Experience and Marketing Manager:
Joining the team, literally and figuratively, Andrew came to the mortgage world via 20+ years in the wine industry. He had a wide-ranging career there from buying, selling, and marketing to management, and logistics; he did everything but drive a tractor (which is definitely for the best that he did not). He was also lucky enough to merge personally with Catherine and when the time came for her to need an extra hand it was a no-brainer to join his brilliant and beautiful wife in assisting with the great company and even better clients she has built. Andrew is always happy to talk football, The Dollop Podcast and all things Radiohead and is the proud Dad to Thomas the Kid, Blackberry the Cat, and Tawny the Dog. Andrew is always up for a good meal and loves scallops too much.

He can be reached at team@cefinancial.ca

Andrew Melville hard at work


I look forward to hearing from you and helping you develop a plan for your home ownership future whether it be your first home, building your rental portfolio or debt consolidation and refinance. I will find the perfect product to meet your needs.