Mark Golbey - Indi Mortgage

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Kelowna, BC
Mark Golbey - Indi Mortgage

At Indi Mortgage we believe in long-term relationships.

04/10/2026

Some mortgages allow you to transfer your existing rate and terms to a new property - no penalty. It's called portability, and it can save you significantly if your rate is favourable or market conditions have shifted.

Not all mortgages offer it and the details vary by lender. That's why looking beyond the headline rate matters - features like portability, flexibility, and penalty structures can make a big difference when your plan(s) change.

We help you see the full picture, not just the rate. Connect with us today for your free mortgage review!

04/08/2026

Many Canadians secured their mortgages during the peak rate environment of 2023 to 2024. As rates shift and balances change, it may be worth reviewing your mortgage before renewal.

In some cases, even after factoring in penalties, refinancing can improve cash flow or better align your mortgage with your current goals.

Waiting for your renewal notice means waiting for fewer options. Reviewing your mortgage early gives you the opportunity to explore restructuring, switching lenders, or staying put with confidence.

Mortgage planning should evolve as your life does.

📞 If it has been a while since your last review, connect with us today to see what options may be available to you now.

04/03/2026

Easter is a time that many spend gathered around the table with family, enjoying good food, laughter, and a few well-loved traditions. It also carries a deeper meaning for many; a season that speaks to hope, renewal, and new beginnings.

However you mark the occasion, we hope the weekend brings a little extra time to slow down and enjoy the people around you. Happy Easter. 🐣🌷

04/01/2026

Passover is a time to gather with family and friends, share traditions, and reflect on the story of resilience, freedom, and renewal. Around the table, through the Seder and its rituals, each generation retells a story that has been carried forward for centuries.

Chag Sameach to all who are observing. May the holiday bring time for connection, reflection, and good company.

03/30/2026

A mortgage pre-approval is an important step in the buying process. It helps establish your price range, strengthens your position when making an offer, and gives you a clearer starting point as you search for a home.

At the same time, a pre-approval works best when it's paired with good planning. Final approval still depends on verifying documents, credit, and the property itself. Understanding the details early can help avoid surprises later.

📞 Connect with us to get pre-approved and plan your next steps with confidence.

03/25/2026

Planning a Move in 2–3 Years? Your Mortgage Strategy Starts Now.

When a move is on the horizon, today’s mortgage choices dictate tomorrow’s flexibility. Decisions regarding term length, portability, and penalty structures are critical to avoiding unexpected costs. We help you look beyond today's rate to compare options across multiple lenders, ensuring your mortgage structure seamlessly supports your next chapter.

➡️Connect with us to build a mortgage that supports where you’re headed.

03/24/2026

Getting approved is only one part of the picture. The real value comes from understanding how your mortgage fits into your broader financial life, today, and years from now.

We work alongside clients to review budgets, assess affordability, compare lender options, and build a strategy that supports long-term goals. With independent advice and access to over 50 lenders, we look beyond headline rates to focus on structure, flexibility, and what will serve you best over time.

Whether you are buying, renewing, refinancing, investing or simply planning ahead, guidance matters more than a quick approval.

💡📘 Follow along for practical mortgage education, or connect with us when you are ready to talk strategy.

03/20/2026

Separation is hard enough. You don't have to navigate the mortgage side alone.

During a divorce or separation, understanding your housing options early can make a meaningful difference. Working with a licensed mortgage agent/broker helps bring clarity at a time when decisions can feel overwhelming.

For many separating couples, the Spousal Buyout Program is the solution to dealing with the "matrimonial" home.This mortgage allows one spouse to buy out the other and stay in the home. This program provides access up to 95% of the home's value, compared to the 80% typically available with a traditional refinance.

Contact us before you sign your Separation Agreement; we'll help remove some of the stress a separation can bring by working closely with you and your legal team.

📘 Learn more in our free Spousal Buyout Program guide:
👉 https://simplebooklet.com/spousalbuyoutprogram

03/19/2026

Wishing everyone celebrating a joyful Eid al-Fitr.

May this time mark a meaningful close to Ramadan and bring moments of gratitude, connection, and new beginnings with family and community.

Eid Mubarak to all who are celebrating. 🌙

03/17/2026

Wishing You Luck, Laughter, and a Happy St. Patrick's Day!

Today's the day to celebrate Irish heritage, good fortune, and a little bit of magic! May your day be filled with the luck of the Irish!

03/16/2026

Co-owning can be a smart way to enter the real estate market, through increased buying power, or shared costs; but it comes with important considerations. Ownership structure, mortgage responsibility, credit impact, and exit planning all play a role in how well a co-ownership arrangement works over time.

Before buying together, it's essential to understand how title is held, how the mortgage affects each person, and how changes down the road would be handled. Clear planning upfront helps protect relationships and finances later.

📞 Connect with us if co-owning is part of your path to homeownership.

📘 BONUS: Download our free Buyer Checklist for smart, pre-offer planning:
👉 https://simplebooklet.com/coowningahome

03/11/2026

Why does the stress test matter? Even if you secure a competitive rate, your approval amount is based on whether you could manage payments at the stress test rate. Affordability remains top of mind for many Canadian buyers, understanding this rule is critical; as it can affect how much you qualify for, which lenders are available to you, and how your overall strategy should be structured.

We help clients understand how the stress test applies to their situation and explore ways to strengthen buying power through preparation, structure, and lender selection.

📞 Connect with us to make the most of your buying power.

Address

1429 Ellis Street
Kelowna, BC
V1Y2A3

Telephone

+12508681782

Website

http://www.markgolbey.com/

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