Southwest Mortgage

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Southwest Mortgage Lisa Manwaring, AMP
Creative. Independent. Different. Specializing in purchases, renewals, refinances, commercial and special lending programs.

With access to over 50 lenders, Lisa provides the best interest rates and payment options to suit your individual financial objectives. You can expect professional, reliable and unbiased advice to simplify your home purchase or refinance process. Lisa will provide you with the competitive edge you’ve been missing. She'll match you to the best rate, product and service available for all your financing needs.

Hoping to be settled before the holidays? Most closings happen 30 to 90 days after an accepted offer, so a deal in late ...
10/13/2026

Hoping to be settled before the holidays? Most closings happen 30 to 90 days after an accepted offer, so a deal in late October can close in December. That month gets crowded, with lawyers, movers and lenders booked up and registry offices closed on statutory holidays. Send us a message this week. We will get your financing in place now so your dates work when the right home appears.

Finding the right mortgage solution is easier when you have someone who makes the process clear, efficient, and stress-f...
10/09/2026

Finding the right mortgage solution is easier when you have someone who makes the process clear, efficient, and stress-free.

Here’s what one client shared about working with Lisa:

"Lisa was incredibly helpful, quick, and thorough in helping us find a mortgage solution. I recommend for those in the Tsawwassen/South Delta area."

Personalized mortgage solutions. Quick responses. Thorough guidance every step of the way.

Whether you're buying a home, refinancing, or renewing your mortgage, Lisa is here to help you navigate your options with confidence.

Looking for trusted mortgage guidance in Tsawwassen or South Delta? Connect with Lisa today!

An open mortgage lets you pay off any amount at any time without a penalty. That flexibility is priced into the rate, an...
10/09/2026

An open mortgage lets you pay off any amount at any time without a penalty. That flexibility is priced into the rate, and the terms are usually short. It can make sense if you are selling soon or expecting a lump sum, but most borrowers do better with a closed mortgage and good prepayment privileges. Reach out this week. We will help you choose the one that fits your plans.

🏘️ A Tsawwassen neighbourhood. Wide streets, mature lots, detached homes with actual yards — things that have become gen...
10/08/2026

🏘️ A Tsawwassen neighbourhood. Wide streets, mature lots, detached homes with actual yards — things that have become genuinely rare in Metro Vancouver at prices that, while elevated, are still meaningful relative to Vancouver proper.

With Tsawwassen detached benchmarks around $1,530,000 in 2026, this market requires solid pre-planning and financing. Let's start that conversation early.

Contact us at lisamanwaring.com or send us a DM.
https://www.lisamanwaring.com/

Found a home that is right in every way except the kitchen? A purchase plus improvements mortgage can fold planned upgra...
10/07/2026

Found a home that is right in every way except the kitchen? A purchase plus improvements mortgage can fold planned upgrades into your financing at closing, based on contractor quotes you provide up front. The funds are released once the work is done, and limits vary by lender. Get in touch before you write the offer. We will tell you exactly what your lender needs so the renovation is part of the plan.

💼 Self-employed in South Delta? You can absolutely qualify for a mortgage. The process looks different — but the outcome...
10/07/2026

💼 Self-employed in South Delta? You can absolutely qualify for a mortgage. The process looks different — but the outcome can be just as strong.

THE CHALLENGE:
Lenders assess self-employed income using your Notice of Assessment — the number after all business deductions. For many business owners, that number significantly understates what you actually earn and what you can realistically afford.

WHAT'S ACTUALLY AVAILABLE:

✅ Traditional qualification using your NOA income — if the numbers support it
✅ Stated income programs — declared business income supported by bank statements
✅ Alternative lenders with more flexible income assessment approaches
✅ Strong down payment strategies that work alongside your income picture

The key is knowing which lender to approach for which situation — and that's exactly the knowledge my 27 years in this industry (16 of them on the lender side) gives me.

⚠️ A decline from your bank is not the end. A bank only has its own products. I have access to a wide range of lenders. What doesn't work at one often works at another.

Contact us at lisamanwaring.com or send us a DM — let's review your situation!
https://www.lisamanwaring.com/

Twenty percent down is where mortgage default insurance stops being required. It is not the minimum to buy. On many home...
10/05/2026

Twenty percent down is where mortgage default insurance stops being required. It is not the minimum to buy. On many homes the minimum is far lower, and the real question is how a smaller down payment and the insurance premium compare with waiting years to save more. Message us before you decide to wait. We will run both scenarios side by side with your actual numbers.

A pre-qualification feels like a green light, but it is only an estimate built on what you have told a lender. A pre-app...
10/02/2026

A pre-qualification feels like a green light, but it is only an estimate built on what you have told a lender. A pre-approval reviews your credit and income documents and can hold a rate for a set period, which is the version sellers take seriously. Planning to buy this fall or next spring? Send us a message this week. We will get your pre-approval started and tell you exactly what to gather.

🏡 Ladner's heritage homes. Character houses, mature trees, and a sense of history you simply can't find in newer develop...
10/01/2026

🏡 Ladner's heritage homes. Character houses, mature trees, and a sense of history you simply can't find in newer developments.

One of the things I love about South Delta is the variety — from Ladner Village character homes to modern Tsawwassen townhomes to waterfront properties. Every buyer finds something different here.

Contact us at lisamanwaring.com or send us a DM.
https://www.lisamanwaring.com/

Refinance, home equity line of credit, second mortgage. All three reach the same equity, and that is where the similarit...
10/01/2026

Refinance, home equity line of credit, second mortgage. All three reach the same equity, and that is where the similarity ends. What each one costs, how the interest works, and what it leaves behind are different every time. The right answer depends on how much you need and when you need it. Message us and we will compare all three against your actual numbers.

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2/1359 56th Street
Delta, BC
V4L2P3

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