How much house can you afford in Kelowna? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · 2026 stress test and CMHC rules
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Rampone-Marsh Mortgages
5.0 · 546 reviews · Free pre-approval
Get pre-approved →
The Mortgage Centre - B.C. Direct Mortgages
5.0 · 197 reviews · Free pre-approval
Get pre-approved →
Jewels Ferris Mortgages - Kelowna Mortgage Broker
5.0 · 191 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Rampone-Marsh Mortgages specializes in handling complex mortgage situations, including multi-property financing and simultaneous closings. Their team offers clear communication and responsive support throughout the mortgage process, helping first-time and experienced borrowers alike. Customers appreciate their thoroughness and ability to secure competitive rates.
With over 20 years of experience, BC Direct Mortgages offers a family-run approach that combines expert guidance with a focus on client education. Their team helps with purchases, refinances, and renewals, often assisting first-time buyers and self-employed clients. Customers appreciate their thorough communication and willingness to go beyond typical hours.
Jewels Ferris Mortgages specializes in tailored home financing solutions for individuals, families, first-time buyers, and investors, backed by deep local market knowledge. The team offers services like mortgage purchases, renewals, refinancing, and investment property mortgages, with clear communication and ongoing support throughout the process. Customers appreciate their responsiveness and… more...
Jewels Ferris Mortgages specializes in tailored home financing solutions for individuals, families, first-time buyers, and investors, backed by deep local market knowledge. The team offers services like mortgage purchases, renewals, refinancing, and investment property mortgages, with clear communication and ongoing support throughout the process. Customers appreciate their responsiveness and straightforward guidance.
Known for responsive communication and patient guidance, Ric Lazare helps clients navigate mortgage renewals, first-time homebuying, and multi-unit property financing. The team offers clear explanations and support throughout the process, with customers appreciating their availability and thoroughness even in complex situations. Some note occasional delays in responses, but overall service is… more...
Known for responsive communication and patient guidance, Ric Lazare helps clients navigate mortgage renewals, first-time homebuying, and multi-unit property financing. The team offers clear explanations and support throughout the process, with customers appreciating their availability and thoroughness even in complex situations. Some note occasional delays in responses, but overall service is described as helpful and reassuring.
Specializing in mortgages for first-time buyers, self-employed individuals, and those with unique financial situations, Mortgage Okanagan offers personalized guidance through a wide range of lending options. The team is known for clear communication and responsiveness, helping clients navigate refinancing, private mortgages, and renewals with confidence.
Creative Mortgage focuses exclusively on serving borrowers, not lenders, drawing on more than 20 years of industry experience. The team assists with a variety of mortgage needs, including first-time purchases, refinancing, vacation homes, and reverse mortgages. Clients appreciate their responsive communication and knowledgeable guidance throughout the process.
With over 17 years of experience, The Steve Dyment Mortgage Team specializes in strategic mortgage planning that helps clients use home equity to build wealth. They assist with mortgage restructuring, debt consolidation, and first-time homebuyer guidance, offering clear communication and personalized support throughout the process. Customers appreciate their thorough advice and reliable… more...
With over 17 years of experience, The Steve Dyment Mortgage Team specializes in strategic mortgage planning that helps clients use home equity to build wealth. They assist with mortgage restructuring, debt consolidation, and first-time homebuyer guidance, offering clear communication and personalized support throughout the process. Customers appreciate their thorough advice and reliable responsiveness.
Known for a straightforward approach and clear communication, Kelowna Mortgage Broker | Kyle Wilson helps clients navigate mortgage options with confidence. The team offers personalized guidance through the lending process, making it easier for first-time buyers and experienced homeowners alike. Customers appreciate their friendly, knowledgeable service, though some note the process can require… more...
Known for a straightforward approach and clear communication, Kelowna Mortgage Broker | Kyle Wilson helps clients navigate mortgage options with confidence. The team offers personalized guidance through the lending process, making it easier for first-time buyers and experienced homeowners alike. Customers appreciate their friendly, knowledgeable service, though some note the process can require patience.
Michelle Scheibel Mortgage Broker Kelowna specializes in helping clients secure mortgages quickly and with clear communication. The team assists with home purchases and refinancing, guiding customers through each step to reduce stress. Clients appreciate their responsiveness and professionalism throughout the process.
Huber Mortgage offers a client-focused approach backed by 12 years of lending experience and a promise to process applications within 48 hours. They handle a wide range of mortgage needs, from first-time buyers to investors and self-employed clients, providing clear guidance and access to top lenders. Customers appreciate the smooth communication and personalized support throughout the process.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Rampone-Marsh Mortgages | 5.0 | 546 | Free Consultation | (250) 801-8834 | Visit |
| 2 | The Mortgage Centre - B.C. Direct Mortgages | 5.0 | 197 | — | (250) 762-2070 | Visit |
| 3 | Jewels Ferris Mortgages - Kelowna Mortgage Broker | 5.0 | 191 | Free Consultation | (778) 821-2873 | Visit |
| 4 | Ric Lazare - Mortgage Broker Kelowna | 5.0 | 147 | Free Consultation | (250) 317-3882 | Visit |
| 5 | Mortgage Okanagan | 5.0 | 131 | Free Consultation | (250) 826-3111 | Visit |
| 6 | Creative Mortgage - Shaun Pierce | 5.0 | 130 | — | (250) 717-8949 | Visit |
| 7 | The Steve Dyment Mortgage Team - Your Kelowna Mortgage Broker | 5.0 | 121 | Free Consultation | (250) 470-9154 | Visit |
| 8 | Kelowna Mortgage Broker | Kyle Wilson | 5.0 | 100 | — | (250) 869-7880 | Visit |
| 9 | Michelle Scheibel Mortgage Broker Kelowna | 4.9 | 75 | Free Consultation | (250) 317-4723 | Visit |
| 10 | Huber Mortgage | 5.0 | 50 | Free Consultation | (250) 212-7954 | Visit |
Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.
General information, not financial advice — consult a qualified professional.