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Mortgage Refinancing in Nanaimo
Refinancing your mortgage can be a powerful way to take control of your finances, whether you're looking to lower your rate, access home equity, or consolidate debt. We'll review your current mortgage and future goals to help you choose the best refinancing option available. With local expertise and access to a wide range of lenders, we'll make sure your refinance works for you, not the other way around.
Reshape Your Mortgage, Refresh Your Finances
Your home is more than a place to live; it’s one of your strongest financial tools. Refinancing can help you access equity, lower your payments, consolidate debt, or fund important life goals.
Access Home Equity or Lower Your Payments
As experienced mortgage brokers in Nanaimo, we help you explore refinancing options with honesty and clarity. We’ll review your current mortgage, compare rates and terms from multiple lenders, and determine if refinancing makes sense for you.
Refinance with Confidence, Not Pressure
Whether you’re planning renovations, managing debt, or preparing for retirement, we’ll find a solution that fits your goals. Our approach is transparent and pressure-free; we’ll walk you through every number and every choice, so you can make an informed decision with confidence.
Start with a Simple Mortgage Review
Let’s take a fresh look at your mortgage and see how refinancing could work for you.
Who We Are
We’re Rita & Rachel Cousins, a mother-daughter mortgage duo serving Vancouver Island, the Lower Mainland, and beyond with a combined 40+ years of experience.
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Rita brings the wisdom of over 35 years in banking and mortgage brokering. Rachel adds a modern edge with fresh insight, organization, and a deep care for each client’s journey. Together, we balance experience and innovation to create a mortgage experience that feels less stressful, more personal, and tailored just for you.
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We know that getting a mortgage isn’t just a transaction; it’s a life moment. That’s why we take the time to truly listen and walk with you through every step.
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Whether you're buying your first home, refinancing, or investing in property, our goal is simple: to make you feel confident and cared for every step of the way.
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Why Work With Us?
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Independent Mortgage Brokers: We’re not tied to one bank. We shop around to find what’s best for you.
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Local & Personal: We’re based in Nanaimo, but we proudly serve clients across Vancouver Island and the Lower Mainland — including Duncan, Parksville, Port Alberni, and the Fraser Valley. Whether you’re local or looking to buy in these regions, we’re here to help you find the right mortgage solution. We love serving our community and building lasting relationships.
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Expertise You Can Trust: With decades of experience, we’ve seen it all, and we still believe in doing things the right way.​​​​