Jill Couture Mortgage Services - Indi Mortgage

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Jill Couture Mortgage Services - Indi Mortgage I work for you, not the banks! Let's chat and see how I can help you get the best financing option. Don’t fall into that trap.

Here is some information that may help you understand a little more of how I help my clients:

I work with Canada’s leading Financial Institutions including Banks, Trust Companies, and Credit Unions. Due to my existing relationship with these lenders, they provide me with exceptional rates, fast turnaround times and flexibility with approvals. When you let me help you to find you the very best mortgage, and negotiate on your behalf, there is no cost to you. The lender pays me a fee for finding and bringing them the business. Remember it saves them from the cost of additional employees in wages, vacations, training cost, office space, and benefits. So, there is no cost to you, and I only earn a fee if I arrange the mortgage for you. The Fee is the same regardless of what lender I choose and it is not built into the rate. Some of our lenders specialize in providing mortgages for clients who are self-employed, contract employees, have seasonal income, have trouble proving income, or lack some of the standard documentation. We have seen all situations and are experienced in getting the unconventional mortgages approved. Many consumers think their bank will automatically give them the best rates because they have been loyal customers for many years, have multiple accounts with them or have high account balances. That kind of thinking has cost many clients thousands of dollars in unnecessary interest. I am a fully licensed mortgage professional and am governed by BCFSA, the BC Financial Services Authority. The safety and security of your personal information is of utmost importance and all discussions, documentation and file management are completely confidential at all times. Often clients make the time consuming mistake of going to multiple lenders themselves attempting to negotiate the best rates. Each time a Financial Institution pulls your credit report, your Beacon score actually drops. Sometimes, the very exercise of trying to find the most competitive mortgage actually disqualifies you from qualifying. We forward your credit report electronically to our lenders so that it isn’t pulled over and over. We can use the same report for up to 90 days! If you, like so many other Canadians, have high interest credit card debt, department store debt, line of credit debt or other outstanding payments, want to purchase your next (or first) investment property, or want to take advantage of your existing equity to make other investments, now might be the ideal time to refinance your existing mortgage and consolidate it all into one simple payment at the lowest rates of all time. This consolidation can sometimes reduce your monthly payments by more than a thousand dollars per month. I would be happy to calculate the saving for your specific situation. I am your trusted mortgage expert and I work for you, not the banks. It’s my job to provide you with timely, expert advice and make certain my clients have the very best mortgage products for their specific situation. Your business is very important to me! Contact me for a complete mortgage review at your convenience. I am never too busy for your referrals and will take amazing care of anyone you think who may find my services valuable. Jill Couture
604-809-0590
[email protected]

Jill Couture
Indi Mortgage “The Independent Mortgage Company”!

November is Financial Literacy Month in Canada, and this year’s national theme is all about one simple idea: Talk money....
11/03/2026

November is Financial Literacy Month in Canada, and this year’s national theme is all about one simple idea: Talk money.

Follow along with us all month for practical tips on budgeting, saving, managing debt, and making confident decisions about your home and your finances.

The more you know, the better prepared you are for the unexpected, and the closer you get to the goals that matter most to you.

*Please be advised that while we specialize in mortgages, we are not certified financial planners. The (financial) tips we offer throughout the month of November are not intended to replace the guidance of a licensed financial planner or accountant. In fact, we strongly recommend the collaborative approach of assembling a team of professionals when it comes to your financial planning needs. Bringing together experts in various financial domains, such as licensed mortgage professionals (agents/brokers), financial planners, and accountants, ensures a holistic and well-informed financial strategy.

❌ Myth: You need a spouse or partner to buy a home.✅ Reality: There's more than one way to become a homeowner.More Canad...
10/28/2026

❌ Myth: You need a spouse or partner to buy a home.
✅ Reality: There's more than one way to become a homeowner.

More Canadians are teaming up with the people they trust to get into the market:

✅ Friends buying together and splitting the costs
✅ Siblings co-owning a home or investment property
✅ Parents and adult children buying a multigenerational home
✅ Solo buyers using a rental suite to help them qualify

When you buy together, lenders can combine everyone's income, which can increase what you qualify for. Just remember: Everyone on the mortgage is responsible for the full amount. A written co-ownership agreement that covers who pays what, and what happens if someone wants out, is a must.



📩 Buying with someone, or on your own? Let's map out your options.

A "no" from your bank isn't the end of the conversation. Often, it's the start of a better one.Banks follow strict lendi...
10/26/2026

A "no" from your bank isn't the end of the conversation. Often, it's the start of a better one.

Banks follow strict lending guidelines, and plenty of great borrowers don't fit neatly inside them. You might be:

✅ Self-employed or earning commission, contract, or gig income
✅ Rebuilding your credit after a tough stretch
✅ Navigating a separation or divorce
✅ New to your job or new to Canada
✅ Financing a unique property

As a licensed mortgage broker, I work with banks, credit unions, alternative lenders, and private lenders. That means more ways to find a solution that works today, and a plan to move you toward better rates down the road.

📩 Heard "no" recently? Let's find out what's possible.

New to Canada and dreaming of a place to call your own? You may not have to wait years to build a Canadian credit score ...
10/22/2026

New to Canada and dreaming of a place to call your own? You may not have to wait years to build a Canadian credit score first.

Many lenders offer New to Canada mortgage programs designed specifically for newcomers. Instead of relying only on Canadian credit, they may consider:

✅ Credit reports from your home country
✅ A history of on-time rent and utility payments
✅ Your employment in Canada and your work history before you arrived
✅ Your down payment and where it came from

Each program has its own requirements, including residency status and time in Canada, so the right lender makes all the difference. A licensed mortgage agent/broker knows which lenders offer newcomer programs and how to present your application with confidence.

Know someone who's new to Canada? Share this with them. Their first Canadian home might be closer than they think.

Selling your home before your mortgage term is up? You have two main paths, and choosing the right one could save you th...
10/20/2026

Selling your home before your mortgage term is up? You have two main paths, and choosing the right one could save you thousands.

Porting: You take your existing mortgage (rate, balance, and remaining term) with you to your new home. Need to borrow more? Many lenders will blend your current rate with today's rate on the additional amount.

Breaking: You pay out your mortgage early and start fresh with a new lender, product, or term. It opens up options, but it usually comes with a prepayment penalty.

Worth knowing:
✅ Not every mortgage is portable, so check your terms
✅ You'll still need to re-qualify for the new property
✅ Lenders set time limits between your sale and your purchase

Whether you're upsizing for a growing family, downsizing, or relocating for work, the right choice depends on your full picture, not just your rate.

Thinking of moving? Let's compare both options before you list.

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.Whether you're buying, renew...
10/14/2026

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?LTV is the percentage of your mortgage a...
10/08/2026

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?

LTV is the percentage of your mortgage amount compared to the appraised (or purchase) value of your property. Lenders use it to measure risk.

The higher your LTV, the less equity you have in the home. This can affect your eligibility, interest rate, and even the type of mortgage products available to you.

Here is why it matters:

✔️ Your LTV will determine if you need mortgage insurance and how much you qualify for.
✔️ Refinances: A lower LTV can unlock equity to consolidate debt, renovate, or invest in other goals.
✔️ Investment Properties: Stricter LTV requirements often apply, which can influence how much capital you need upfront.

Understanding your LTV is an important step in planning your financing strategy. A licensed mortgage agent/broker can help you calculate your ratio, explain how it impacts your options, and guide you toward solutions that fit your goals.

Want to know your LTV and what it means for your mortgage? Reach out today.

Protect more than just your home.Mortgage payment protection is designed to cover your payments if you face unexpected c...
09/30/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

Address

100/856 Homer Street
Vancouver, BC
V2Y0G9

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm

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