The Mortgage Process, Finally Done Right.
Rita and Rachel Cousins Mortgage Brokers — a mother-daughter mortgage duo combining 40+ years of trusted service and modern solutions.
Real experience. Real care. From a mortgage duo who’s helped hundreds of families find the right fit.
We’re not a sales pitch. We’re your people—here to make the mortgage process simple, smart, and stress-free. Whether you’re buying your first home, refinancing, or just exploring your options, we walk with you every step of the way.
Working with Mortgage Architects, we have access to Canada’s top lenders—while giving you the personalized care only an independent broker can offer. You get tailored advice, fast approvals, and real support—because to us, you’re not a file. You’re our neighbour.
Serving Vancouver Island, the Lower Mainland, and the Fraser Valley — including Nanaimo, Parksville, Duncan, Port Alberni, Abbotsford, and beyond.
Let’s make your next move feel right.
ABOUT OUR SERVICES
We take time to understand your goals so we can match you with the best mortgage options—without the pressure. Simple. Honest. Personalized. That’s how we work.
Whether you’re purchasing your first home, renewing your mortgage, or refinancing to access equity—we’re here to guide you through every step.
As independent mortgage brokers, we offer:
Home Purchase Mortgages
Financing to help you buy a home — whether it's your first place, a vacation getaway, or a forever home. Who is it for? Anyone purchasing a new home, from families upgrading to retirees downsizing. Why trust us? With over 40 years of combined experience, we help you navigate the homebuying process with clarity, care, and custom options.
First-Time Home Buyers
Special mortgage programs and guidance tailored to first-time buyers. Who is it for? People taking the exciting step of buying their first home. Why trust us? We walk you through every step — explaining the process in plain language and making sure you feel supported, not overwhelmed.
Mortgage Renewals & Refinancing
Options to renew your current mortgage or refinance to a better rate or new term. Who is it for? Homeowners looking to lower payments, access equity, or switch lenders. Why trust us? We don’t just hit “renew” — we shop over 50 lenders to make sure you’re not leaving money on the table.
Mortgages for Seniors
mortgage option's that let you access your home equity without selling or making monthly payments. Who is it for? Homeowners 55+ who want extra financial flexibility in retirement. Why trust us? We take the time to explain all the pros and cons — so you can make an informed choice with confidence.
Refinancing & Debt Consolidation
Refinancing your mortgage to access home equity and consolidate high-interest debt. Who is it for? Homeowners juggling multiple payments who want to simplify and save. Why trust us? We offer honest advice and real options to help you regain control of your finances — without pressure.
Pre-Approvals & Rate Holds
A mortgage pre-approval with a locked-in rate for up to 120 days. Who is it for? Homebuyers who want to shop with confidence, knowing what they can afford and locking in today’s rates. Why trust us? We get your pre-approval done quickly, so you’re ready to jump when the right home hits the market.
Self-Employed & Investment Mortgages
Mortgage solutions for business owners, freelancers, and property investors. Who is it for? Self-employed Canadians or anyone buying rental/investment properties. Why trust us? We understand complex income and rental scenarios — and we know which lenders are flexible.
Access to Over 50 Lenders
A wide range of mortgage options through banks, credit unions, and alternative lenders. Who is it for? Anyone who wants a better deal or doesn’t qualify through traditional banks. Why trust us? We advocate for you, not the bank — with more choice, better rates, and custom-fit solutions.
Alternative Lending Solutions
(B Lenders & Private Mortgages)
Not everyone fits into the big bank box, and that’s okay. If you’re self-employed, rebuilding credit, recently separated, or facing unique financial circumstances, we’re here to help.
We work with trusted B lenders and private mortgage lenders across BC to find smart, flexible solutions for:
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Credit-challenged clients
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Self-employed borrowers
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Clients in foreclosure or consumer proposal
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Bridge financing and second mortgages
Real solutions. No judgment. Just support that fits.
Let’s find the right mortgage path for you.
5-Star Mortgage Broker Reviews from Real Clients
WHY CHOOSE US
Tailored Solutions
No two clients—and no two mortgages—are the same. We take time to understand your story, your goals, and your numbers. Then we match you with the best options from over 50 lenders. Whether it’s your first home or your fifth, we build mortgage solutions around you.
Exceptional Service
We’re not a call centre. We’re real people who care deeply about making mortgages feel manageable. From our first chat to final approval, you’ll get honest advice, fast responses, and genuine support from a duo that treats you like family.
Fast Approval
Our process is streamlined with today’s tools and yesterday’s care. We work quickly and efficiently behind the scenes to minimize delays—so you can secure your rate, close on time, and move in with confidence.
Award-Winning Service, Rooted in Community
