From Overwhelm to Empowerment: Mortgage Solutions That Work for You
Welcome to Cultivate + Evolve Financial - guiding you with clarity, care, and custom solutions for a stress-free mortgage experience.
Award winning Kelowna mortgage Broker
2024 – Chairman’s Club – Verico Mortgage Veris Awards
2023-2019 Presidents Club Award – Verico Mortgage Veris Awards
2022-2018 CMP Women of Influence - Canadian Mortgage Professional
2020 Young Achievers of the Year Finalist – Canadian Mortgage Awards
Taking the Stress Out of Mortgages—One Solution at a Time.
At Cultivate + Evolve Financial, our name reflects our approach—we’re dedicated to cultivating strong relationships and tailored mortgage solutions while evolving with you as your financing needs change.
Whether you’re exploring options for an existing mortgage, buying your first home, or considering a move, we’re here to guide you with clarity and care. Led by our founder and principal broker, Catherine, our mission is to help you build a future you’re excited about by offering personalized mortgage strategies, insightful guidance, and a genuinely caring approach.
Together, we’ll create a strategy that empowers you to make confident financial decisions and achieve your goals.
Together, We Create a Mortgage Experience as Unique as You Are
Every journey to homeownership is unique. That’s why we combine expert guidance with personalized strategies to tailor your mortgage experience to your specific needs and goals — ensuring you feel confident every step of the way.
First-Time Homebuyers
Buying your first home is a life-changing milestone—but it shouldn’t feel overwhelming. We take the guesswork out of the mortgage process by offering clear, step-by-step guidance and personalized solutions from day one. Our goal is to empower you with the confidence and clarity you need to make one of life’s most important decisions.
Upsizing, Downsizing, or Right-Sizing
Whether you’re ready for a change or planning your next move, we streamline the process so you can get clear on your options and start your search without delay. We listen, tailor our approach to your evolving needs, and ensure a smooth transition to your next home.
Refinancing, Restructuring + Renewals
Looking to adjust your mortgage to better suit your evolving needs? Whether you want to lower your monthly payments, tap into your home’s equity, rework your financing strategy, or renew your mortgage at maturity, our experienced team is here to guide you every step of the way.
Client Testimonials
The True Measure of Our Success
Insights & Updates
Stay informed with expert insights, mortgage tips, and money-saving strategies designed to help you make confident decisions about your home and financial future.
Mortgage Insights Delivered to Your Inbox
Ready to stay ahead of the curve? Subscribe to our mailing list for timely updates, expert advice, and practical tips on navigating the mortgage process — plus strategies to save money and make empowered financial decisions.