Kristy Towson
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KRISTY TOWSON
your Kelowna Mortgage Broker
20+ Years Experience
Your Kelowna Mortgage Broker
20+ Years Experience
My Mission is Simple:
To Make Living Affordable by helping individuals and families secure the right mortgage while building a stronger financial future.
Professional Background
My Financial Industry Background
With over 20 years of experience in the financial services industry, I help homebuyers, homeowners and real estate investors navigate mortgage financing with confidence.
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After earning my Bachelor of Commerce degree from the University of Alberta in 2004, I began my career in the financial industry working for both a chartered bank and a credit union. During those years, I gained extensive experience in lending, personal banking, credit analysis, and financial planning.
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Much of my career was spent in Branch Management, where I developed a detailed understanding of how financial institutions evaluate mortgage applications and support borrowers. That experience gave me valuable insight into how lenders think and what factors can make the difference between an approval and a decline.
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While I enjoyed helping clients within traditional banking, I often found that people needed options beyond what a single institution could offer. That's what ultimately led me to mortgage brokering.
Why I Became a Mortgage Broker
I became a mortgage broker because I wanted the freedom to put my clients' needs first. Unlike working for a single lender, mortgage brokering allows me to access a wide network of lending partners, including banks, credit unions, monoline lenders, alternative lenders, and private lenders. This flexibility enables me to find mortgage solutions tailored to each client's specific circumstances rather than trying to fit every client into the same limited set of products.
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Every borrower has a unique story. Whether you're purchasing your first home, next home or an investment property, renewing your mortgage, consolidating debt, renovating, or building a new home, there is often more than one path available. My job is to find the right one for your individual needs. You can be self-employed or new to Canada; there are specific programs built for you! Whether your goal is to lower your monthly payments, access equity, or become a homeowner for the first time, I focus on creating a financing strategy that supports your long-term financial goals.
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I Make Living Affordable!
Local Mortgage Expertise in Kelowna
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As a mortgage broker serving Kelowna and the Okanagan, I understand the local housing market and the challenges buyers face in today's lending environment. Mortgage rules, qualification requirements, and lender policies continue to evolve. That's why I stay current on industry changes, government regulations, and lender guidelines so my clients can make informed decisions based on accurate, up-to-date information.
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Real estate is often the largest financial investment people make. Having professional guidance throughout that process can save time, money, and unnecessary stress.
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A Client-First Approach
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One of the things my clients appreciate most about me is communication. From our first conversation to funding day, I believe you should always know where your application stands and what comes next. I take pride in being responsive, transparent, and accessible throughout the mortgage process. My clients aren't just mortgage files; they are families planning their futures, individuals working toward goals, and homeowners looking for opportunities to improve their financial position. Every recommendation is based on your individual needs.
Personal Background
Outside of my career, I am a proud wife and mom who loves making the most of the Okanagan lifestyle with my family. Whether we are snowboarding in the winter, boating or camping in the summer, dirt biking or enjoying the beaches, we are always finding ways to enjoy everything this beautiful Okanagan region has to offer.
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On weekends you can find me on the soccer pitch, managing my sons soccer team or planning game nights for family and friends. Living, working and raising a family in the Okanagan has given me a deep appreciation for the community and lifestyle that makes this area such a special place to call home.