What are the opening hours?

Monday 8am - 7pm Tuesday 8am - 7pm Wednesday 8am - 7pm Thursday 8am - 7pm Friday 8am - 7pm

Mortgages by Luisa

Home
Canada
Surrey, BC
Mortgages by Luisa

Luisa Hough is a Mortgage Broker/Agent/Lender in British Columbia (Accredited Mortgage Professional We are here to work for you, not the banks.

It is simple, when purchasing a home and need a mortgage; you can go to a local bank and accept one of their products only available to that institution. Or you can sit down with a Xeva Mortgage Team Member that has access to a wide range of lenders that will be competing for your business therefore offering a variety of products for you to choose from and the best interest rates possible. It is a benefit to use a member of our Xeva Mortgage Team as we have access to more than 40 lenders including Canada’s largest banks, Credit unions, Trust Companies and private lenders. We give you unbiased advice and take the time to go through all your financing options. Your Xeva Mortgage Team Member will make sure you get the best mortgage available for your needs.

10/16/2026

One we hear all the time? “You need 20% down to buy a home.”

Nope! This is one of those mortgage myths that just refuses to disappear. 👻

Here’s the general minimum down payment structure in Canada:
✨ Under $500k: 5% down.
✨ $500k to $1.5M: 5% on the first $500k, and 10% on the rest.
✨ Over $1.5M: This is where a flat 20% down becomes mandatory.

And while we’re busting myths, let’s clear up another one:
Your deposit and down payment aren’t two separate expenses.

Your deposit is the upfront portion of your down payment that you provide when you remove subjects. It goes toward your total down payment, it’s not an extra 5% you suddenly have to come up with. 🙌🏻

🌟 Our tip: If you’re getting ready to house hunt, we like to see around 5% of your target purchase price readily accessible so you’re prepared to provide a deposit when the right home comes along.

Of course, there are other costs to plan for, and the amount you’ll need depends on your specific situation.

But if you’ve been thinking, “We don’t have 20% saved, so we can’t buy yet…”, don’t count yourself out just yet. 👀

Want to know what your actual numbers could look like? Send us a DM and let’s map it out together! 🔑

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca
GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/14/2026

We love a good plot twist, but definitely not when it comes to your mortgage! 😂

After helping countless families secure homeownership, we’ve realized there are a few things that always seem to catch buyers off guard.

If you’re getting ready to dive into the market, here are a few things we wish everyone knew before starting their mortgage journey:

✨ Getting pre-approved doesn’t mean you’re completely done: Think of it as your starting point. Once you find the home you want, the lender still needs to approve the specific property and finalize the mortgage.

✨ Your paycheque isn’t the whole picture: Lenders look at your income, debts, credit history, employment, down payment and overall financial situation. There are a few pieces that have to fit together!

✨ The paperwork? Completely normal: Yes, there will be documents. And then a few more documents. 😂 Pay stubs, bank statements, tax documents… it can feel like a lot, but it’s all part of verifying your application.

✨ And yes, your finances still matter after you’re pre-approved: This is a BIG one! Before financing a new car, opening new credit or making a major financial change, talk to us first. Something that seems small can change the numbers the lender is working with.

There are a lot of moving pieces when it comes to getting a mortgage, but you don’t need to become a mortgage expert before you buy a home. 🤍

That’s what we’re here for. We’ll explain what’s happening, answer your questions and help you feel confident about the numbers along the way.

Reach out to us, we would love to answer your questions about the home buying process!

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/11/2026

Happy Thanksgiving, friends! 🤎🍂

It's true that life can get BUSY.

Between work, kids, school, activities, family and all the little things that somehow fill up every week, it’s easy to move from one thing to the next without really stopping to appreciate what’s right in front of us.

That’s what we love about Thanksgiving.

It gives us a little excuse to slow down. To sit around the table a little longer. Eat a little too much. Laugh with the people we love. And remember just how much we have to be thankful for.

We’re incredibly grateful for our families, our partnership and team, and of course, all of the wonderful people who trust us to be part of such an important chapter in their lives.🤍

We hope you get to slow down, enjoy the good food and spend some quality time with your favourite people! 🍂

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/09/2026

Time for a little game of “Would You Rather”: Home Buyer’s Edition! 🏡👇🏻

We always say there’s no one “perfect” home. It really comes down to what matters most to you and how you want to live.

So… let’s see where you stand! 😂

Swipe through, make your picks and tell us your answers in the comments, or send this to your home-buying partner. 👀

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/07/2026

Think your mortgage rate is locked in, so you can’t refinance until renewal? Not necessarily!

A fixed mortgage rate means your rate is locked in for your mortgage term, but that doesn’t necessarily mean you’re stuck with your mortgage until renewal.

Depending on what’s changed in your life, refinancing before your term is up could be worth looking at.

Maybe you’re looking to:
✨ Consolidate higher-interest debt
✨ Create a little more breathing room in your monthly budget
✨ Access some of the equity you’ve built in your home
✨ Restructure your mortgage because your family’s financial situation has changed
✨ Reorganize your overall debt so it’s easier to manage

🌟 But here’s the part we always want our clients to know: refinancing isn’t automatically the right answer.

Breaking your mortgage early can come with a prepayment penalty. With many variable-rate mortgages, that’s typically three months’ interest, while fixed-rate mortgages can involve an Interest Rate Differential (IRD) calculation, which can sometimes be a much larger cost.

So no, we don’t just see a lower rate and say, “Let’s refinance!” 😂

We look at the whole picture: What would it cost to break your current mortgage? What would you gain by refinancing? And does the math actually make sense for you?

Because what worked perfectly for your family a few years ago might not be what works best today.

Wondering if refinancing could make sense for you? Send us a DM. We’d be happy to run the numbers with you and see what your options look like. 🤍

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/05/2026

“Fixed is safer!”

“Variable will save you money!”

“Just lock it in and forget about it!”

If you’ve started looking into mortgages, you’ve probably heard a version of all three, from your parents, your coworkers and definitely your group chats. 😂

But the honest truth? It’s not quite that simple.

There’s no prize for being Team Fixed or Team Variable.

The goal is to choose a mortgage that actually makes sense for your family, your finances and your plans, not just whatever option is getting the most attention right now.

Here’s the quick breakdown:

🔒 Fixed-Rate Mortgages
Your interest rate stays the same throughout your mortgage term, so your regular payment is predictable. If you like knowing exactly what’s coming out of your account each month, that stability can be a big plus.

📈📉 Variable-Rate Mortgages
Your interest rate can move up or down as the lender’s prime rate changes, so your borrowing costs can fluctuate. Variable mortgages can also have different prepayment options and penalties, and with many variable mortgages, the penalty to break early is typically three months’ interest.

So when someone asks us, “Which one should I choose?”

Our answer is always: let’s look at your life first! ☕️

Your income, budget, future plans, comfort level with changing rates and how long you expect to stay in the home can all play a role.

Because the “best” mortgage isn’t the same for everyone.

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

10/02/2026

Okay, can we officially say it’s cozy season now? 🍂☕️🍩

And what better way to celebrate than with a brand-new local spot?! ✨

We recently popped into Goldie’s Donuts & Bakery in White Rock, and let’s just say… we may have found our new cozy-season weakness!

Freshly made brioche donuts, specialty drinks and SO many delicious combinations to choose from.

Whether you’re grabbing a little treat with your morning coffee or meeting a friend for an afternoon pick-me-up, this is definitely one to add to your list.

You know we had to do a taste test for "research" purposes! Ha Ha

🍓 Luisa’s Pick: The Strawberry Milkshake Donut (literal heaven).
🍪 Candice’s Pick: The Oreo Cream Donut (she's a total sucker for anything cookies & cream!).

And yes, we fully support ordering one of each so you don’t have to choose.

Their signature drinks are also worth mentioning…Peanut Butter Cream Latte and Oreo Cream Mocha. Basically, everything you need for a cozy little fall treat.

We love finding new local businesses to support. 🤍

Have you tried Goldie’s yet? And if you have, what are we ordering next?! 👇🏻

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

09/30/2026

Today, we are taking a moment to pause, listen, and reflect in honour of the National Day for Truth and Reconciliation. 🧡

Every Child Matters is more than just a phrase we use once a year, it is a vital reminder to acknowledge the painful history and the lasting, generational impacts of residential schools across Canada.

Today is a meaningful opportunity to listen to Indigenous voices, educate ourselves, and reflect on how we can all actively participate in true reconciliation.

✨ A beautiful way to show support in our community today: Consider checking out and supporting local Indigenous-owned businesses, reading stories from residential school survivors, or donating to organizations like the Indian Residential School Survivors Society (IRSSS). Small steps toward education make a massive collective difference. ✨

09/28/2026

A lot of people carry around anxiety about their credit score, thinking it’s this permanent mark against them if it’s not perfect.

But remember: your score is just a temporary snapshot of where you are today, not a final destination.

It constantly shifts based on your daily choices, which means you have the power to change the narrative much faster than you think! ✨

🌟 Here is a major shortcut a lot of people miss: Lenders love seeing space on your cards.

If you can pay down a specific credit balance to just under 30% of its total limit, your score can get a serious, fast boost. Jumping up even a few points can push you into a completely different interest rate bracket…and that translates to saving thousands of dollars over the life of your mortgage.

You don’t have to guess your way to a better score or guess what a lender will say.

Before we submit any official applications, we can run a soft-pull simulator together to test out different financial moves and see exactly how to optimize your numbers first!

If you want to see what your current numbers look like and map out a game plan, our inbox is always open. Let’s get strategic!

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

09/25/2026

Imagine paying off your mortgage years sooner than expected. 🏡✨

The good news?

You don't always need to make huge financial changes to get there. Sometimes, a few small adjustments can make a meaningful difference over the life of your mortgage.

Here are a few strategies that may help:

✔️ Increase your regular mortgage payment—even a small amount can add up over time.

✔️ Make lump-sum payments when you receive a bonus, tax refund, or other unexpected income.

✔️ Switch to accelerated bi-weekly payments to reduce your principal faster.

✔️ Review your mortgage each year to make sure you're taking advantage of the features and prepayment privileges available to you.

Every mortgage is different, and the best strategy depends on your financial goals, cash flow, and the terms of your mortgage.

Before making changes, it's important to understand your lender's prepayment options and any applicable limits or penalties.

If becoming mortgage-free sooner is one of your goals, we'd love to help you build a plan that makes sense for your lifestyle and your budget. Send us a message to chat! 🤍

GET IN TOUCH
Luisa & Candice Mortgages

Connect with Luisa
M. 604-831-4394
E. [email protected]
W. luisahough.com

Connect with Candice
M. 604-836-6099
E. [email protected]
W. candiceliberatore.ca

Address

#106, 2626 Croydon Drive
Surrey, BC
V3S0S8

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 7pm

Website

http://www.xeva.ca/

Alerts

Be the first to know and let us send you an email when Mortgages by Luisa posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mortgages by Luisa:

Want your business to be the top-listed finance company in Surrey?