At Cultivate + Evolve Financial, we’re honored to serve our community and are deeply grateful for the word-of-mouth referrals that have helped us grow. Our Testimonials page is a testament to the trust and relationships we’ve built. Each review and kind word shared by our clients not only uplifts our spirits but also reinforces our commitment to providing exceptional service. We sincerely appreciate the time our clients take to share their experiences, as it helps us continue to improve and make meaningful connections.

Inspired by these stories? We’d love to hear yours, too. Share your experience with us on Google.

We have known Catherine for the last 6 years. She has been with us through the initial steps when we first started thinking about buying a house to the extremely stressful processes of buying our first home. Throughout that very difficult time, Catherine was a bright light who helped us understand the process, find the right team and make us really understand what was going on. She is incredibly professional and has built a team of like minded, efficient and personable people. Catherine always has our best interest in mind and has really changed our lives for better! I can’t say enough great things about her. She is an amazing person and outstanding at what she does. Thank you for everything.

Let Catherine show you why she's the best mortgage broker in Kelowna
Bethany and Adam Thomas

We have had the pleasure of working with Catherine for the past few years on a few transactions. She is very professional and very knowledgeable. She is very good at what she does. We are so happy to have her in our corner when it comes to getting a mortgage. We would highly recommend her to anyone looking to get a mortgage. Thank you so much Catherine and team!

Let Catherine show you why she's the best mortgage broker in Kelowna
Michelle Narcisse

It was apleasure working with Catherine and her team. First class service with a healthy dose of hand holding through our process. We highly recommend Catherine for all your mortgage needs or re-financing. William, Fredy & Charlie

Let Catherine show you why she's the best mortgage broker in Kelowna
William Peters

I recently had the pleasure of working with Catherine and the experience was exceptional. Catherine exhibited professionalism and expertise from the start, tailoring mortgage options to mine and my spouses specific needs. Her outstanding communication kept me informed at every stage, and her dedication to securing the best terms was evident throughout. Not only that, but she went above and beyond coordinating our realtor, lawyer and appraiser to ensure that everything went smoothly. I highly recommend Catherine for anyone seeking a mortgage expert who goes above and beyond for their clients.

Let Catherine show you why she's the best mortgage broker in Kelowna
Elaine Murray

We have had the absolute pleasure of working with Catherine for both our home purchases, as well as for years prior, to get our finances in line with where we wanted to be. We feel so fortunate to have had expert advice, as well as a trusted ear to go over plans with. Catherine is phenomenal, and as their services grow, I can only imagine the positive impact this company will have on our community, and others. We have happily referred all our friends and family to work with Catherine as we KNOW with certainty she will provide exceptional service. We trust Catherine with our home, our finances and our hard earned money! Grateful, and thankful! Highly recommend to anyone in need of mortgage help, refinancing, etc.

Let Catherine show you why she's the best mortgage broker in Kelowna
Emily Davidson

The whole team at Cultivate + Evolve, and Catherine Melville in particular, have been fantastic to deal with. Catherine was able to get us out of an inadequate construction loan that our former mortgage broker had set up, and into a loan with much better terms and more money to complete our project. Catherine did not shy away from the complexity of taking us on as clients and finding lenders willing to finance our home that we had barged over to our lot in the Gulf Islands. If it hadn’t been for Catherine’s help, our home build would have stalled and we’d be stuck with a nightmare situation of trying to sell a mostly incomplete building lot. It’s such a pleasure dealing with Catherine because she’s a great communicator who clearly outlines options and next steps, and she follows through and delivers consistently excellent results. I couldn’t be happier with Cultivate + Evolve and I’m grateful for their help.

Let Catherine show you why she's the best mortgage broker in Kelowna
Carl Wilkins & Michael Norris

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!

Let Catherine show you why she's the best mortgage broker in Kelowna
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!

Let Catherine show you why she's the best mortgage broker in Kelowna
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!

Let Catherine show you why she's the best mortgage broker in Kelowna
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