Mortgages by Luisa

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.

Time for a little myth-busting!✨One of big misconceptions we hear is: "I only need a mortgage broker if I’m a first-time...
06/03/2026

Time for a little myth-busting!✨

One of big misconceptions we hear is: "I only need a mortgage broker if I’m a first-time buyer."

Don’t get us wrong, we love helping our first-time buyers navigate the excitement of that first set of keys! 🏠🔑

But the truth? As your financial life gets more complex, with renewals, refinances, or investment properties, having an expert in your corner becomes even more critical.

Here’s why the "seasoned" pros still use a broker:

✨ The Renewal Trap: Your bank’s "best offer" at renewal is often just their standard rate. We look at the data across dozens of lenders to ensure you aren’t leaving thousands of dollars on the table just for being loyal. 💸

✨ Strategic Equity: Whether you’re looking to renovate (hello, summer projects! 🛠️) or buy an investment property in the Valley, we structure your mortgage to make your equity work for you, not against you.

✨ The "Fine Print" Deep Dive: As you move up the property ladder, the terms matter just as much as the rate. We look for portability, prepayment flexibility, and penalty protection that fits your 5-year strategy. 🔍

✨ Life Happens Flexibility: Job changes, growing families, or early retirements... your mortgage needs to be as adaptable as your life is! 🥂

You wouldn’t manage a complex stock portfolio without an advisor, and your mortgage is likely your biggest investment. Whether it’s your first home or your fifth, we’re here to make sure the math is on your side.✨

Are you coming up on a renewal this year? Let’s 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

Not all debt is created equal. ✨⁠⁠As mortgage brokers, we spend a lot of time looking at numbers, but what we’re really ...
06/01/2026

Not all debt is created equal. ✨⁠
⁠
As mortgage brokers, we spend a lot of time looking at numbers, but what we’re really looking for is balance. In the world of finance, there is a big difference between debt that holds you back and debt that moves you forward.⁠
⁠
🪜 Good Debt is a ladder. It’s a mortgage on a home or a loan for a business. It’s low-interest, it’s often tax-efficient, and it helps you own an asset that historically appreciates. It’s an investment in "Future You."⁠
⁠
⚓ Bad Debt is a weight. It’s that 22% interest rate on a credit card for a vacation you took three years ago. It’s "consumer debt" on items that lose value the moment you buy them.⁠
⁠
Our job as your brokers is to help you clear the "weights" so you have more room for the "ladders." ✨⁠
⁠
Whether that’s through a strategic refinance to consolidate high-interest debt or simply planning for your first purchase, we’re in your corner to help you navigate the math.⁠
⁠
The goal isn't necessarily to be "debt-free" instantly, it’s to be debt-smart. We help our clients manage their liabilities so they can focus on building their legacies. 🏠⁠
⁠
Curious if your current debt load is working for or against you? Let’s run a "health check" on your finances!⁠
⁠


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

Your home might actually be sitting on the funds you need to level up your living space right now.Instead of reaching fo...
05/29/2026

Your home might actually be sitting on the funds you need to level up your living space right now.

Instead of reaching for high-interest credit cards or draining your "just in case" savings to build that dream outdoor oasis, we look at the Home Equity Strategy. 🏠✨

We know, we know, talking about debt ratios isn’t quite as exciting as picking out outdoor tile, but it is the secret to an stress-free summer project! We’ve been helping our clients realize that those home goals don’t have to stay on the "someday" list when you have the right data.

When we take a look "under the hood" of your mortgage for a renovation, we’re checking for:

✨ Penalty Protection: Can we access funds without breaking your current low-rate term? We hunt for the "fine print" solutions that big banks might overlook to save you money upfront. 🔍

✨ The "Life Happens" Buffer: Renovations usually go over budget (let’s be real!). We ensure your financing has the built-in flexibility to pivot with you so you aren't left hanging mid-project.

✨ Monthly Comfort: We’re big fans of actually living your life! We crunch the numbers to ensure your new backyard retreat doesn’t come at the cost of your Friday night dinners. 🍽️

Don’t let "spending stress" stall your vision. Let’s sit down, run the data, and see exactly what’s possible for your space.

DM us to get started! 📲



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

We see this confusion a lot! Think of it like this: a home inspector looks at the "health" of the house: the roof, the a...
05/27/2026

We see this confusion a lot! Think of it like this: a home inspector looks at the "health" of the house: the roof, the appliances, the furnace, etc.

An appraiser, on the other hand, is only looking at the market value. 💸

Essentially, the inspection is for you (to make sure the house isn't a lemon), but the appraisal is for the lender (to make sure the house is worth what you’re paying).

When is an appraisal usually needed?

✨ High Equity Purchases: If you’re putting 20% or more down, the mortgage isn’t insured. The bank wants an expert to confirm the value to make sure their investment is safe.

✨ Refinancing for Renovations: If you want to pull cash out of your home to renovate, the bank needs to know exactly what the house is worth today. Since you aren't "selling" the home, an appraisal is the only way to prove to the bank that there is enough equity to borrow against.

✨ Unique Properties: If you’re buying something specialized or in a rapidly shifting area of the Valley, lenders often want a professional opinion on the price to stay current.

What do they actually look at?

An appraiser doesn't care if the paint color is dated. They focus on "comparables", what similar homes in your specific neighborhoods have actually sold for recently.

Wondering if you’ll need an appraisal for your next move? Let's 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

Showing up to a home viewing without your numbers sorted is like heading to the Aritzia Warehouse Sale without a credit ...
05/25/2026

Showing up to a home viewing without your numbers sorted is like heading to the Aritzia Warehouse Sale without a credit card.

You’ll see exactly what you want, but you won't be able to take it home. 🚫

Why it matters right now: With the 2026 market moving the way it is, a pre-approval isn't just a "nice to have." It’s your safety net.

It allows us to look at things like the 30-year amortization to see how much "buying power" you really have.

Let’s get your numbers locked in so you can shop for the home you actually can own. 🌷🏠



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

Waiting for the "perfect" time to buy?We’re going to give it to you straight: that "perfect" moment is a myth.We know ho...
05/22/2026

Waiting for the "perfect" time to buy?

We’re going to give it to you straight: that "perfect" moment is a myth.

We know how it goes, the headlines say one thing, the group chat says another, and it’s so tempting to “wait and see” if rates hit rock bottom.

But here’s the reality we’re seeing in the Fraser Valley right now: If you wait 6 months to (maybe) save 0.5% on a rate, but the price of that townhouse jumps by $20k in the meantime… did you actually save money? 😬

💸 Spoiler: No.

In this market, time is literally money. Every month you wait is another month you’re paying 100% interest (also known as rent) to your landlord’s mortgage instead of building equity in your own.

Don't let "just waiting" become your most expensive mistake. We’re here to help you run the numbers for your specific budget and goals, so you can move forward with total confidence.

✨Ready to see what’s possible right now? Let’s 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

If your mortgage is up for renewal this spring, you’ve probably noticed the landscape looks a little different than it d...
05/20/2026

If your mortgage is up for renewal this spring, you’ve probably noticed the landscape looks a little different than it did five years ago.

We know that seeing new numbers can feel like a lot to process, but we’re here to tell you: "different" doesn’t have to mean "unaffordable." 🌷

Think of this renewal as a chance for a financial spring reset.

We’ve been getting a lot of questions lately from families in the Valley whose 5-year terms are ending, and our approach is always to find the best strategy for your specific life.

When we sit down with our clients, we aren't just looking at a rate; we’re looking at the "big picture" for you:

✨ Monthly Comfort: Can we adjust your amortization to keep your lifestyle exactly where you want it?

✨ Flexibility: Finding terms that allow you to pay down your mortgage faster if you choose.

✨ Confidence: Knowing you didn't just take the first offer, but the best offer for your long-term goals.

You don’t have to navigate this alone. We’re a duo for a reason, double the eyes on your file and double the support!

Before you sign that bank letter, send us a quick photo of it!

We’ll give it a "sanity check" and let you know if it’s a winner or if there’s a better path forward for your family. No pressure, just a plan. 💬



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

"What have we done for you lately?" 🎶(Cue the Janet Jackson choreography!)When we read a testimonial like this, it remin...
05/18/2026

"What have we done for you lately?" 🎶
(Cue the Janet Jackson choreography!)

When we read a testimonial like this, it reminds us exactly why we chose this career.

Getting feedback that clients feel we "genuinely care" and "wanted to make sure I had all the information I needed" is the standard we set for ourselves every single day. ✨

In the world of finance, trust is everything.

We earn that credibility by being there for our clients through every high and low of the transaction. When things get challenging, you don't just need a broker, you need a team that will roll up their sleeves and find the answers for you.

Whether it's a quick update or a deep dive into your options, we stay connected because your success is our success.

We believe our clients deserve a team that is upfront, communicates clearly, and treats every mortgage like it’s their own.

If you're looking for advocates who are truly in your corner, we’re here for you. Let’s talk! 📲💬



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

The one thing your bank might not mention… When you sign your mortgage papers, you’re usually focused on the rate. But h...
05/15/2026

The one thing your bank might not mention…

When you sign your mortgage papers, you’re usually focused on the rate. But how your mortgage is registered matters just as much for your future.

🌟There are two main types: Standard vs. Collateral charges.

Standard Charge (The "Traditional" Way): Think simple and transparent. You’re registered for exactly what you borrow.

✔️ The Win: Easier to switch lenders at renewal (often with zero legal fees) to chase a better rate.

❗️ The Catch: If you want to borrow more for renos later, you’ll need to "break" the mortgage and pay penalties.

✨ Collateral Charge (The "Flexible" Way): A little more complex. You’re registered for more than you borrow (often up to 125% of your home’s value).

✔️ The Win: Easier to access equity later for renos or debt consolidation without redoing the whole mortgage.

❗️ The Catch: It’s harder and more expensive to switch lenders at renewal because of the legal fees to discharge the charge.

Which one should you choose? The answer depends on what matters more: the freedom to shop around for better rates at renewal, or the flexibility for future borrowing.

And this is exactly where we come in ✨

We don’t just look at your rate, we look at your full financial picture. We explain the fine print so you can move forward with confidence, not surprises.



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

They say "this ain’t our first rodeo," and when it comes to the Fraser Valley market, they’re right! ✨But this weekend? ...
05/13/2026

They say "this ain’t our first rodeo," and when it comes to the Fraser Valley market, they’re right! ✨

But this weekend? We’re trading our office heels for cowboy boots this May long to celebrate one of our favourite local traditions, the Cloverdale Rodeo!

Navigating real estate can feel like a wild ride, but we promise we’re much better at wrangling mortgages than we are at bronc riding!

Wishing you a weekend filled with sun and mini-donuts. See you at the fairgrounds! 🎡🍿

Happy Long Weekend, 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

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

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