Sample site. Fictional people and companies.

Nadia Haddad Mortgage Broker, Victoria, BC
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Cook Street Village in Victoria in autumn

Mortgages for Victoria families, explained in plain words.

First homes, renewals and refinances across Greater Victoria. I compare lenders so you don’t have to.

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Nadia Haddad, mortgage broker in Victoria
Nadia Haddad Mortgage Broker Licence X000512

Where are you starting from?

Choose the one closest to you
A young couple sitting on the front steps of a small house

Your first home, one clear step at a time

  1. We work out a comfortable budget together, before you start viewing homes.
  2. I gather your documents once and get a pre-approval you can rely on.
  3. When you find the one, I arrange the mortgage before your subject-removal date.
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A calm living room in the morning

A renewal you chose, not one you signed

  1. Tell me your renewal date; I start comparing four to six months ahead.
  2. You see your lender’s offer next to other lenders’, side by side.
  3. You switch or stay, whichever leaves you better off.
Book a call
Renovation sketches and paint swatches on a desk

Use your home’s equity, carefully

  1. We look at why: renovation, debt, or a family purchase.
  2. I show the real cost, including any penalty to break your current term.
  3. If it makes sense, I arrange it with the lender that suits you best.
Book a call
Two mugs and a notebook on a kitchen table

Start with a conversation

  1. Book a short call, with no forms to fill in first.
  2. Tell me where you are and where you’d like to be.
  3. You leave with a plan, whether or not you work with me.
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Nadia Haddad on a residential street in Victoria

I grew up here, and I still live five minutes from my office.

I’ve helped Victoria families buy, renew and refinance for over a decade. Most of my clients come from neighbours and friends, so I explain everything twice if I need to and I return every call the same day.

Brokerage
Saltwater Lane Mortgage Group Ltd.
Licence
X000512

Neighbourhoods I know well

I live and work here. These are the places my clients buy, renew and refinance in.

  • A tree-lined street of character homes in Oak Bay

    Oak Bay

    Character homes and quiet streets; many of my clients are upsizing families.

  • Mid-century homes and gardens in Saanich

    Saanich

    Mid-century homes with big gardens, and good value for first-time buyers.

  • New townhomes on a hillside in Langford

    Langford

    Newer townhomes and condos, often the first step onto the ladder.

Which kind of mortgage fits you?

Choose a type to see how it behaves. Your broker will compare real offers for your situation.

Which kind of mortgage fits you?

The rate and the payment stay the same for the whole term.

Your payment
Stays the same for the term, often five years.
If rates change
Nothing changes until renewal.
Breaking early
The penalty is usually the greater of three months’ interest or an interest rate differential, which can be large.
Suits you if
You want a predictable budget and expect to keep the mortgage for the term.

The rate moves with the lender’s prime rate; the payment often stays the same.

Your payment
Usually fixed; more or less of it goes to principal as prime moves.
If rates change
Rising rates mean slower repayment, and payments can be reset if rates rise far enough.
Breaking early
The penalty is usually three months’ interest.
Suits you if
You can live with change, or may sell or refinance before the term ends.

Like variable, but the payment itself changes whenever prime changes.

Your payment
Goes up or down with the prime rate.
If rates change
You feel it in your next payment; your repayment schedule stays on track.
Breaking early
The penalty is usually three months’ interest.
Suits you if
Your budget has room to absorb payment changes.

A credit line secured by your home that you draw on and repay as you need.

Your payment
Can be interest only on what you have used.
How much
In Canada the revolving part is limited to 65% of the home’s value, and 80% together with a mortgage.
The rate
Usually prime plus a margin, so it moves with prime.
Suits you if
You want flexible access for renovations or investments and a plan to repay.

An open mortgage can be paid off anytime; a closed one costs less but limits prepayment.

Open
Repay any amount at any time without a penalty, at a higher rate.
Closed
A lower rate, with yearly prepayment limits set by the lender and a penalty to break.
Often used
Open for a short time before a sale or a lump sum; closed for most homeowners.
Suits you if
You know exactly when you will pay a large amount down.

General information, not advice. Terms differ between lenders.

A family kitchen in a Victoria home

Nadia explained every step, answered our texts at night and found us a better rate than our bank offered.

Sample clients M. and J. First home in Saanich. Shared with consent.

Questions? Ask them before you need to.

What do you charge?

On most residential mortgages the lender pays the brokerage, so there’s no fee to you. If a file ever needs a fee, you’ll see it in writing before you agree to anything.

How early should I contact you before buying?

Two to three months before you start viewing homes is ideal. It gives time to sort documents and a pre-approval without rushing.

Can you help if my bank already said no?

Often, yes. Different lenders have different rules, and I’ll tell you honestly what’s possible and what would need to change.

Do I need to come to an office?

No. Most clients meet me by phone or video, and send documents through my secure upload page.

Calculator

What would the payment be?

Indicative, not a lender decision or a pre-approval. Fixed rate, compounded semi-annually; mortgage insurance and taxes not included.

An example rate. Enter the one you’ve been quoted.

Estimated monthly payment

$3,988

Mortgage amount $700,000

Your documents, sent securely in minutes

Upload everything from your phone or computer. It goes straight to Nadia’s secure document storage in Canada, with a checklist made for your situation.

  1. Tell us a little about you and your plans
  2. See exactly which documents your situation needs
  3. Upload them, and you’re done
  • No account to create
  • Works on your phone
  • Stored in Canada

Sample site: on a live site, the secure upload form opens right here.

Book a call with Nadia

A short conversation about where you are and what you’d like to do next. No forms first.

Book a call Send your documents securely
Phone
250-555-0148
Nadia Haddad reviewing a client file at her desk