A single-family home with a well-kept front yard

Mortgages with the Mortgage Mom

Licensed in BC · ON · NS5.0★ Google RatingAccess to 50+ Lenders

Mortgage guidance from a human. For humans.

Helping Canadians navigate mortgages with confidence.

Not here to sell you a mortgage. Here to help you find the right one.

How I work

More options. More strategy. More support.

As an independent mortgage broker with Mortgage Architects, I have access to a wide range of lenders including major banks, credit unions, monoline lenders, and alternative lending solutions. While some institutions such as RBC and CIBC choose not to work through the broker channel, many others do, including TD, Scotia, BMO, Manulife Bank, numerous credit unions, and specialized mortgage lenders across Canada.

My job isn't simply to find a rate. It's to help match your goals, income, property type, and future plans with the lender and mortgage product that make the most sense for your situation.

BC • Ontario • Nova Scotia
Access to 50+ Lenders
TD • Scotia • BMO • Manulife
Credit Unions & Monoline Lenders
Purchase Mortgages
Refinances & Renewals
Debt Consolidation
Investment Properties
Self-Employed Solutions
50+lenders.
from major banks to credit unions to specialized alternative lenders
Trust & approach

Programs & Core Values

🤝

Transparent & Honest

No hidden agendas. Just clear paths to the home you love.

🏠

First-Time Buyers

I guide you through the process until the keys are in your hand.

📚

Education First

Decisions are easier when you actually understand what's happening.

🔄

Strategic Renewals

Aligning your mortgage with your current life stage and goals.

Pre-Qualifications

Strong preparation so your offer stands out in competitive markets.

📈

Wealth Building

Using real estate as a long-term financial strategy.

🕔

Concierge Service

Support that fits your schedule, not bank hours.

🛠️

Credit Coaching

Guidance to improve your score and unlock better rates.

Rates & Calculations

It's not always about rate, but here are some starting points.

Insured* · 5 year fixed
4.19%
Insured* · 5 year vrm/arm
3.70%
Uninsured · 3 year fixed
4.39%

As of July 15, 2026, Canada's prime rate is 4.45% with most financial institutions*5 year term, 25 year amortization with less than 20% down (high ratio insured). Sample rates only; subject to change based on lender criteria.

Mortgage Payment Estimator

Estimated Payment
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What happens next

From first chat to funded mortgage

1
Discovery

Understand goals & situation

2
Strategy

Match lender & structure

3
Approval

Lender review & decision

4
Funding

Close & finalize mortgage

Ready to move forward?

Whether you're just starting to look or ready to apply today, let's find the right fit together.

Writing down your mortgage goals

Contact me

(your new favourite west coast, east coast mortgage broker)

Kerri Carter Logo

Kerri Carter

Mortgage Architects, A Better Way

email: kerri@mortgagemom.ca

phone bc & on: 778-242-6183

phone ns: 782-512-9292

Don't take my word for it
5.0/ 5

on Google · 21 reviews

Some of our fabulous lender partners

TD Canada Trust
Scotiabank
Manulife Bank
National Bank Optimum Mortgages
EQ Bank
First National
Home Trust
MCAN Mortgage
RFA Bank of Canada
CMLS Financial
RMG Mortgages
Merix Financial
Radius Financial
Strive
Neo Financial
B2B Bank
Coast Capital Savings
Prospera Credit Union
Envision Financial
Island Savings Credit Union
Community Savings Credit Union