As your trusted mortgage broker in Duncan and the Cowichan Valley, we're here to support you through your home buying journey, ensuring you feel confident and secure the best mortgage options suited to your needs.
Our Process
At Lendlab, our commitment extends beyond financial services. We're passionate about supporting you and your family in realizing your real estate ambitions in Duncan and across the Cowichan Valley.
What makes us stand out is not just our access to competitive rates and lenders but our distinctly warm, client-centered approach that sees you as more than just a client—you're a valued member of our extended family.
In our interactions, building meaningful, lasting relationships is paramount. We emphasize trust, dependability, and a commitment to excellence, which underscores everything we do. As your Duncan-Cowichan Valley mortgage professionals, we focus intently on understanding your specific needs and crafting bespoke solutions that enhance both your financial health and meet your life’s goals.
Whether you need tailored mortgage advice, are exploring broader financial services, or simply seek a reliable guide through the complex financial landscape, we're here to help. Partner with us as we navigate you towards achieving financial success in Duncan and the broader Cowichan Valley, ensuring you receive outstanding service every step of the way.
Purchase
Buying a home
Jumping into the market as a first-time buyer or looking for a smart investment in Duncan or the Cowichan Valley? Home buying comes with its own set of financial challenges—that's where our expertise shines. Let us guide you through the complexities and help you secure a mortgage that’s tailored perfectly to your family’s needs.
Refinance
Considering a refinance
There are numerous reasons to consider refinancing, such as securing a better interest rate, consolidating debts, or accessing the equity built up in your home. We’re here to discuss the benefits and potential drawbacks to ensure it fits your financial strategy in Duncan and the Cowichan Valley.
Renewal
Renewal coming up?
Is your mortgage renewal date on the horizon? Unsure if you’re getting the best deal from your lender? Reach out to us for a commitment-free consultation to evaluate your current situation, assess if there’s a better option available in Duncan or the broader Cowichan Valley market, and determine if a switch could benefit your financial future.
Here are the latest mortgage rates available in
Duncan & Cowichan Valley
Insured
5 yr Fixed
4.34
%
5 yr Variable
5.5
%
Insurable
5 yr Fixed
4.54
%
5 yr Variable
5.5
%
Uninsurable
5 yr Fixed
4.84
%
5 yr Variable
5.84
%
Rates ares subject to change and availability is based on approved credit
25 yr Amortization
5 yr Fixed
4.89
%
5 yr Variable
5.95
%
30 yr Amortization
5 yr Fixed
4.89
%
5 yr Variable
5.95
%
Heloc
Open Term
6.7
%
%
Rates ares subject to change and availability is based on approved credit
Insured
5 yr Fixed
4.44
%
5 yr Variable
5.5
%
Insurable
5 yr Fixed
4.54
%
5 yr Variable
5.5
%
Uninsurable
5 yr Fixed
4.89
%
5 yr Variable
5.95
%
Rates ares subject to change and availability is based on approved credit
Testimonials
Chris Norris
We have dealt with Balraj twice now when buying our houses...he is always honest, blunt and does the best for his clients. He has become a friend of my wife and myself and we trust his views and ideas knowing he will tell us and do what is best for our situation. We highly recommend Lendlab!
Cassandra Bumpus
Melanie Mooney at LendLab was recommended by our real estate agent and we cannot sing her praises enough! We are first time homebuyers and she was a delight to work with! She was extremely patient and organized. She took the time to answer all of our many questions and provide us with detailed estimated budgets to help us make informed decisions about how much we wanted to spend, etc. We couldn't have done it without Melanie!
D Gildersleeve
Fantastic group to work with, would use them again in a heartbeat!
M Howe
Professional, Friendly, Knowledgeable, Helpful, What can I say, they made it so easy for us in making our decision, I would not be stress free without Lendlab. I would recommend them 100% to anyone.
Ready to get started?
Let’s connect and discuss your mortgage needs today. Whether you’re purchasing your dream home in Duncan, considering refinancing, or nearing a mortgage renewal, we’re here to help. Contact us now for a personalized consultation and begin your path to successful homeownership in the Duncan-Cowichan Valley area.
Apply Now
Here are some frequently asked questions about lendlab. Have more questions?
What is the mortgage pre-approval process?
The mortgage pre-approval process in Duncan and the Cowichan Valley involves evaluating your financial situation to determine how much you can afford to borrow before you find a home. This includes reviewing your income, credit score, debts, and assets. Pre-approval helps you understand your budget, strengthens your position as a buyer, and can speed up the buying process once you make an offer on a home.
What documents are needed to apply for a mortgage in the Cowichan Valley?
Common documents required for a mortgage application include proof of income (pay stubs, tax returns), employment verification, bank statements, identification, and details about the property. We'll provide you with a comprehensive list to streamline the application process.
Can I refinance my mortgage in Duncan and the Cowichan Valley?
Yes, refinancing is available and can be a good strategy to access lower interest rates, consolidate debt, or free up home equity. We offer refinancing options and can advise on the best approach considering your current financial situation and goals in Duncan and the Cowichan Valley.
How long does the mortgage approval process take in Duncan?
The timeline for mortgage approval from start to finish can vary depending on factors like the complexity of your financial situation and the lender's processing times. Generally, it takes about 30 to 45 days from application to funding, but we'll work efficiently to expedite the process.
What types of mortgages do you offer in Duncan and the Cowichan Valley?
We provide a variety of mortgage options designed for the unique real estate market in Duncan and the Cowichan Valley, including fixed-rate mortgages, variable-rate mortgages, and more. We'll collaborate with you to identify the ideal option for your circumstances.
What is the minimum down payment required for a mortgage?
The minimum down payment required depends on several factors, such as the property's purchase price and the type of mortgage. We can help you understand the down payment requirements and explore any available assistance programs.
What are the current mortgage rates in Duncan & the Cowichan Valley?
Mortgage rates in can fluctuate based on market conditions and your personal financial profile. Check out the current market rates listed above, or contact us for the latest rate information and personalized quotes for your specific situation.
Contact us
Reach out anytime for a no obligation conversation to see if we are right for you. Always happy to chat!
Contact us