What are the opening hours?

Monday 9am - 9pm Tuesday 9am - 9pm Wednesday 9am - 9pm Thursday 9am - 9pm Friday 9am - 9pm Saturday 9am - 9pm Sunday 9am - 9pm

Lucas DeSousa - DLC Producers West Financial - Mortgage Broker

Home
Canada
Langley, BC
Lucas DeSousa - DLC Producers West Financial - Mortgage Broker

Mortgage Broker 🏡 Helping you buy, refinance & renew with confidence.
💡 Did you know?

Dominion Lending Centres funds more mortgages annually than any Canadian bank, trust company, or credit union — and is publicly traded on the TSX!
📩 Message me!

04/01/2026

💡 Did you know? Dominion Lending Centres funds more mortgages annually than any Canadian bank, trust company, or credit union — and is publicly traded on the TSX!

I work with 90+ lenders, not just one bank.

This allows me to find the right fit for your situation, whether you’re self-employed, have higher debt ratios, or simply want better options.

If you’re thinking about buying, refinancing, renewing, or want to see what you qualify for,
Reach out! Happy to help.

📞 778-829-6526
📧 [email protected]

02/11/2026

Closing costs are the part nobody talks about when buying in BC.
Everyone focuses on saving the down payment.
That is only half the story.

There are additional costs that add up fast and if you are not prepared, that is where deals may fall apart.

Here is how Property Transfer Tax works in BC.
1% on the first $200,000
2% on the portion between $200,000 and $2,000,000
3% on the portion above $2,000,000
On a $700,000 purchase, PTT equals $12,000.
If you qualify as a First Time Home Buyer, you could receive an exemption of up to $8,000.

You also need to account for:
Legal or Notary fees ~ $1,500
Inspection ~ $500
Appraisal ~ $400 (if required)
Adjustments ~ $500 to $1,000+
Total closing costs can range from roughly $3,000 to $15,000 or more depending on your exemption.

Know your real number before you start shopping.
The difference between buyers and dreamers is preparation.

Planning to buy in BC? I can help calculate your exact numbers and map out your next steps, reach out anytime!
📞778-829-6526
📧[email protected]

02/03/2026

Helping clients navigate home financing with clarity, confidence, and real strategy is what I do best! Whether it’s your first home or your next move, I make the process simple, efficient, stress free, and informative.

02/02/2026

Did you purchase your home with less than 20% down?
CMHC offers up to 25% back on your mortgage insurance premium for energy efficient homes, which could mean thousands of dollars back in your pocket.

If your mortgage is CMHC-insured and your home meets approved efficiency standards (or you’ve completed qualifying upgrades), you may be eligible.

You have 24 months after closing to apply.

Not sure if you qualify? Send me a message and I’ll help you find out.

📞 778-829-6526
📧 [email protected]

01/28/2026

The Bank of Canada left its policy rate unchanged today at 2.25%, signaling a pause as economic conditions remain mixed and inflation stays near target.

For borrowers, this means no immediate change to variable-rate payments and a bit more breathing room when it comes to budgeting and short-term planning. With rates sitting in a more balanced range and global uncertainty still in play, policymakers are taking a cautious, data-driven approach.

While today’s decision brings stability, choosing the right strategy around renewals, refinances, or fixed vs. variable still matters.

If you’re coming up on a mortgage decision this year, it’s a good time to review your options and plan ahead.
Feel free to reach out if you have any questions or if you are wanting to review options.

📞778-829-6526
📧[email protected]

01/27/2026

💰 Were you one that renewed your mortgage in 2023–2024 and got locked in with a 5.5% interest rate?

Now that rates have normalized, breaking your term and refinancing could save you thousands over the life of your mortgage, and in many cases with no out-of-pocket costs, thanks to cash-back options.
I help homeowners review their mortgage and see if it still makes sense for them.

If you want a free mortgage check-up,
please reach out anytime. Happy to see if there are options for you.

📞 778-829-6526
📧 [email protected]

01/20/2026

🏡Are you a First Time Home Buyer and not sure where to start?
Down payments, credit, pre-approvals and closing costs , made simple.
Please reach out if you have ANY questions or want to start mapping out your next steps.
📞778-829-6526
📧[email protected]

01/06/2026

Buying your first home doesn’t have to be overwhelming.
Helping first-time buyers feel informed, supported, and stress free is what I do best.
Grateful for clients who trust me with such a big milestone! Excited to help the next one!🏡✨

12/10/2025

Bank of Canada Rate Update:

The BOC announced today that the overnight rate of 2.25% is being held while prime rate remains at 4.45%.

What you should know!:
- Variable rate borrowers: No changes to your payments.
- Fixed rate borrowers: Stability continues, no major shifts expected.

Are you coming up for renewal? Needing to refinance? Or are you just curious on what options you have?
Reach out to me and we can break down your options together!

📞778-829-6526
📧[email protected]
🌐Lucasdesousa.ca

12/09/2025

Helping first-time buyers feel confident and supported means everything to me. Thank you to my clients for trusting me during such a big milestone. 🏡

11/27/2025

How can Mortgage Experts compete with Banks?
Well, I’m competitive by nature, so let me break it down for you.

Access to more lenders:
Banks can only offer their own mortgage products. DLC Mortgage Experts work with dozens of lenders, credit unions, trust companies, private lenders… and yes, the big banks too. We shop the entire market to find the best terms and rates for you.

Broker only products:
Banks have limited options and very little wiggle room. DLC can access exclusive broker only products and lower rates that you won’t get walking into a branch.

More flexible terms:
DLC can match you with lenders who offer better prepayment privileges, portability, and friendlier penalty structures than the rigid policies many banks use. This flexibility can save you thousands if you move, refinance, or pay your mortgage down early.

Everything about how we work is different from a bank. We stay connected, we check in, we send cards, and we actually pay attention to what’s going on in your life. It’s not a transaction to us, it’s a relationship. You’re not just another file, you’re someone we’re committed to supporting long after the paperwork is done.

So honestly… it makes me wonder: How can banks ever compete with Dominion Lending Centres?

When you’re ready to stop settling for bank-level service, get in touch and let’s get you taken care of!

📞778-829-6526
📧[email protected]
🌐Lucasdesousa.ca

Address

Langley, BC

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 9pm
Sunday	9am - 9pm

Telephone

+17788296526

Website

http://lucasdesousa.ca/

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