Kootenay Mortgage Specialists

Offering professional mortgage advice and services to our communities around the Kootenays, British Columbia

who are your kootenay mortgage specialists?

Our local community is our passion.

We are a Boutique Mortgage Brokerage office located in Nelson, BC. We offer Mortgage options for new home buyers and existing home owners providing unparalleled service. We have access to many lending institutions ensuring our clients receive the most competitive rates and terms that fit your lifestyle.

mortgage broker

Derek Diener

Derek Diener is a knowledgeable mortgage broker based in Nelson, BC, who not only works locally but is also deeply involved in the community. With a strong understanding of the Kootenay real estate market and the distinct challenges that come with buying a home in the region,

Derek is committed to helping clients find financing that fits their needs. His approachable style and local insight make him a trusted partner in the home buying journey.

About derek

mortgage broker

Melanie Ward

Melanie Ward is a skilled mortgage broker based in Nelson, BC, who is passionate about guiding individuals and families toward their homeownership goals.

With years of experience in the mortgage industry, Melanie offers personalized financing strategies that reflect each client’s unique situation. Her warm, professional approach and deep local knowledge make her a go-to resource for navigating the home buying process in the Kootenays.

about melanie

our mortgage services

Our local community is our passion.

New Home Purchases

Unlock the door to your dream home with a new mortgage designed just for you.

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Mortgage Refinancing

Lower your payments, consolidate debt, or tap into your home’s equity—refinancing could be your key to financial freedom.

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Mortgage Renewals

Is your mortgage up for renewal? Let’s explore better rates and terms to keep you ahead.

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Spousal Buy Out

Navigate the complexities of a spousal buyout with ease and ensure a smooth transition.

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First Time Home Buyer

Take the first step toward homeownership with confidence—specialized options for first-time buyers await!

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New to Canada

Start fresh in Canada with a mortgage plan that welcomes newcomers with open doors.

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Investment Property Mortgage

Ready to grow your wealth? Discover flexible financing options for your next investment property.

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Second Home Mortgage

From vacation spots to city getaways, we make purchasing a second home simple and stress-free.

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Construction Mortgage

Build your dream home from the ground up with our tailored construction mortgage solutions.

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our financial lenders

We streamline the mortgage process by leveraging key lenders to provide clients with competitive rates and tailored financing options.

As mortgage brokers, we play a crucial role in the mortgage process by acting as intermediaries between borrowers and a wide range of lenders, including banks, credit unions, and specialized mortgage companies. They utilize their knowledge of the lending landscape and established relationships with these key lenders to find the most suitable mortgage products for their clients. By comparing various loan offerings, brokers can negotiate better terms, secure competitive interest rates, and provide customized solutions based on each client’s financial situation and goals. This approach not only simplifies the mortgage process for clients but also enhances their chances of getting approved for a loan that aligns with their needs.

And more!

Derek, we can’t thank you enough for your outstanding support in helping us secure our dream lakefront property! Over our past 15+ year professional relationship, your deep understanding of our needs, along with your personalized approach, truly made the difference to get us where we are now! With your expert guidance, we were able to structure our mortgage in a way that allows us to improve our property while enjoying every moment by the lake. Your vision for a balanced lifestyle and making the most of living a full life in the Koots resonates deeply with us, and we couldn’t be happier. Here’s to many more memories ahead, all thanks to you & your dream team’s dedication!

Dana Magree

After trying to get a mortgage for years, we heard through the grapevine that Melanie is a “miracle worker”. She was so warm and welcoming and made sure to walk us through the process so clearly. What to expect in real English, no beating around the bush. If you make x, expect x. It felt like it was overnight that we got a mortgage! What’s more, we bought a home (maybe even our dream home) with so much character we were worried the process was going to be so complicated but somehow Melanie made this process so simple. I would sincerely recommend her to anyone trying to buy a home! She will make this journey so pleasant and successful!

Janel Halenko

Derek not only helped us navigate getting approval for a mortgage, he found a rate that was better than we thought was available. He was super easy to work with, and totally professional. I’ll be coming back every time I have to remortgage.

Simon Shave

Melanie was such an incredible help to us in the purchase of our first home. She was always available and very knowledgeable on every aspect of the process. She made us feel comfortable and that she was truly working in our best interest and looking out for us. Amazing service in every way and I would highly recommend her to anyone looking to buy. Thanks Melanie!!

Brent Davis