I can’t speak highly enough of the cultivate + evolve team. The support I’ve received from the team has been invaluable in helping me move toward my goal of purchasing my first property. I would not be where I am today without their guidance and expertise.

More specifically, Catherine has been a pleasure to work with. She’s extremely knowledgeable, detail-oriented, reliable, compassionate, and more. From the onset, she’s presented me with a tailored action plan that best suits my needs/life circumstances. You won’t regret joining forces with the cultivate + evolve team!

Ishan Fernando

Catherine and Andrew at Cultivate + Evolve Financial were absolutely incredible to work with. They helped us throughout the entire process, taking their time to explain every step and barrier to us along the way. The entire process was seamless and stress free with their help. We couldn’t have done it without them. Thank you for helping us buy our first house!

Laurelle Arpin

Catherine is the kindest and most upbeat professional to work with. She really puts your needs first to make sure you have the best experience possible. We are so thankful for her and wouldn’t have chosen anyone else to help us with our mortgage. I recommend her to anyone I know and we are just so happy and feel so lucky about our experience with her!

Laura Davis

Catherine was beyond helpful when I was purchasing my first house. She walked me through all of the necessary steps but also made sure to touch base on a wide range of other topics. We found a mortgage that works perfect for me and I recommend her to all my friends and family! As a first time buyer she took all the worry and uncertainty out of purchasing a home.

Samantha Lindsay

Such amazing people! Catherine and Andrew truly are the best at what they do. They have been such a tremendous help and I would absolutely recommend Cultivate+ Evolve to everyone!

Dillon J. Wiebe

We would highly recommend Catherine for anyone looking for a mortgage broker. Catherine recently helped us refinance our mortgage and secure financing for our new townhome. She is a wealth of knowledge and takes the time to explain all of the mortgage options available. She was committed to finding us the best mortgage to fit our needs and she exceeded our expectations. Catherine is professional, reliable, and accountable. She is patient and considerate. She was very responsive and answered our countless questions. You can tell she really cares about her clients and their financial future. I will continue to refer Catherine to all of my friends and family! She goes above and beyond throughout the financing process and leaves no stone unturned. Catherine continues to follow up to ensure our financing needs are met throughout the course of our mortgage. We are so grateful to have Catherine as our mortgage broker! – Laura, Ryan and Finn

Laura, Ryan and Finn

‘We found out about Catherine through her website and significant on line presence.
Having been a Senior Executive with one of Canada’s largest Banks I was well aware that a product gap in the traditional Banks existed with respect to Reverse Mortgages. Since we were retired and had no debt but a very strong desire to defer capital gains taxes a Reverse Mortgage was a very effective tax strategy for us.

It was immediately clear that Catherine was not only a product specialist but had a very clear understanding of the underwriting standards with respect to a credit policy $ cap.
This did not fit our needs so with Catherine’s help we received a credit policy exemption and our tax strategy was consummated.

We would recommend Catherine to anybody looking for a mortgage due to her knowledge, industry reputation and strong client focus. A truly exceptional Mortgage Broker and a real credit to authenticity and the mortgage industry.’

J & P

‘Catherine Ellis of Mortgages be Catherine Xeva Mortgage was wonderful to work with, she went the extra mile to find the right mortgage to suit our budget. Catherine went above and beyond to ensure every detail was taken care of and done correctly. We would highly recommend Catherine.’

D & F Hancott

Whether it is buying a house or getting a mortgage, they are big decisions of our lives. It is important to work with a person who really understand the needs and compassionate. I have known Catherine for a little while now and had many interactions. She is compassionate and goes above and beyond for her clients. She has her finger on the pulse and know her industry really well. It is my pleasure recommending Catherine to all my friends.

PJ Juneja

My husband and I found Catherine’s services to be exceptional. She went over and beyond in helping us obtain financing for our new home. My husband and I were traveling abroad and with the time differences and short time line, she delivered. She assisted myself in understanding and walking through every step of the contract. I am grateful for her care and attention for helping us. I would highly recommend her services to anyone and most definitely would use her services again.

The Bernards

We can’t thank Catherine enough for her help in securing a mortgage for our first home purchase! She’s a pleasure to work with — smart, organized, fast and very professional.

Belle Liu

We have dealt with Catherine in very difficult and time consuming offers, and she was very professional, returned my calls quickly and had the answers fast and efficiently. We Highly recommend Catherine.

Treasure and Jim Johnson