If you’ve ever thought, “I should be doing better than this,” you’re not alone.

Many responsible BC homeowners feel financial pressure — not because they’ve done anything wrong, but because debt structures don’t always keep up with real life. A refinance assessment can help clarify your options.

Why this happens — even when you’re good with money

High-interest debt often builds quietly. Credit cards, lines of credit, or loans taken on at different times can slowly increase monthly pressure, even for homeowners who budget and plan carefully.

Refinancing isn’t about borrowing more or changing your lifestyle.

It’s about restructuring what already exists so it works better for you.

Who This Is For

This assessment is a good fit if you:

• Own a home in British Columbia

• Carry unsecured or high-interest debt

• Would like to access cash from your home equity

• Want lower or more predictable monthly payments

• Are currently in a high interest rate but your situation has improved since you secured it

• Value thoughtful advice over pressure

• Are exploring options — even if you’re not ready to act
  

If you’re unsure whether refinancing makes sense, that’s exactly what this conversation is for.

Confidential • Professional • Clear Guidance

A calm, client-first approach

I’m a licensed mortgage broker serving homeowners across British Columbia.
My approach is simple: clear advice, thoughtful planning, and decisions that align with your long-term goals, not quick wins.

You’ll never be rushed or pushed into a decision.

Ready for clarity?

If you’ve been carrying the feeling that something could be structured better, a refinance assessment is a good place to start.

What a Refinance Assessment Covers

What we’ll look at together

During a short, no-pressure call, we can review:

• Your current mortgage structure

• Existing debts and monthly payments

• Whether consolidating debt could reduce pressure

• Options to improve flexibility or cash flow

• What makes sense now — and what can wait

There’s no obligation to proceed. Sometimes clarity alone is the most valuable outcome.

Confidential • Professional • Clear Guidance

★★★★★

Lorraine was a pleasure to deal with. She responded immediately to my questions via any method (text, email or phone). She was able to find us a competitive rate and the mortgage move was pretty smooth. We did not actually meet and that was not the traditional way we were used to. It went surprisingly well and we thank her for her professionalism.

Stacey B, West Kelowna

★★★★★

We recently used Lorraine Bromley to refinance our house, and she was awesome. Lorraine is a pure professional and was very responsive throughout the process. We will definitely be recommending her to others in the future.

Radek C, Victoria

★★★★★

Lorraine has been an absolute joy to deal with; very friendly, easy to understand, patient, very professional and clear in dealing with the other parties and firm on required timelines.
She went above and beyond what was expected and got us a couple of great deals.
People say this all the time but, Lorraine deserves 10 out of 5 Stars.
We will be back again and will gladly pass on her details to friends and family.

Scott B, West Kelowna