Kelly Hudson

MORTGAGE ARCHITECTS

LET’S WORK TOGETHER TO GET YOU THE BEST MORTGAGE AVAILABLE

LET'S TALK

BRIANNA & THOMAS

Happy Clients

As first-time home buyers we had a lot of questions regarding the mortgage process and Kelly did a fantastic job in helping us understand everything.  We highly recommend Kelly to anyone looking to purchase a home!

Hi, I’m Kelly. I’m a Mortgage Broker, living in Richmond and servicing the Greater Vancouver area and beyond for the last 11+ years.


 Buying a home is both: exciting and nerve wracking.  My goal is to simplify and educate you about mortgage financing, so you make good decisions based on your situation.


 As a Mortgage Broker - I specialize in Mortgage Intelligence, educating people about mortgages, how they work and what lenders are looking for.  Everyone's home purchasing situation is different, so working with me will give you a better sense of what mortgage options are available based on the 4 strategic priorities that every mortgage needs to balance:

  • lowest cost
  • lowest payment
  • maximum flexibility
  • lowest risk

The fine print in the mortgage contract can far outweigh the rate being offered.  Most people are blinded by the rate, in their quest for a mortgage. 

  • Rates are #1 & #10 on your list, we discuss the other 8 areas of the mortgage, to ensure you find the best fit for your circumstance.

In a perfect world I would LOVE to meet people 3 months-3 years prior to them planning on purchasing a home, so I can work with them to put together a home ownership game plan.


My services for a typical mortgage are FREE (I get a finder’s fee from the lender) and I help people save money.  I LOVE my job!


My mortgage brokering services include:

  • PURCHASING your first home
  • REFINANCING for renovations, investments or debt consolidation
  • RENEWING your current mortgage
  • INVESTING in a rental/revenue property/cottage
  • REVERSE MORTGAGE for Homeowners age 55+, enabling them to access the equity in their home to let them live life on their terms. 

If you would like to discuss mortgage financing with me, please contact me!


A little about me - I've lived in Richmond for 40+ years, have 1 husband (George), love animals including my 2 rescue poochies (Sophie & Sam). For fun, I enjoy socializing, travel & baking (especially cookies and cupcakes) & I’m practically addicted to Hawkins Cheezies & Jujube’s!! 

My Process is Simple.


Get in Touch

Get in touch with me however you feel comfortable. I will answer all your questions and provide you with counsel, all without any pressure.

 Choose a Solution

Once we've had a chance to go over your financial situation, I will outline all your mortgage options, and you can make the best choice for you.

Enhance your Lifestyle

With your new mortgage in place, you can get on with living your life! I'll always be there if you have any questions in the future!

Want to get started right away? 

APPLY NOW

Download My Mortgage Toolbox


Download My Mortgage Planner using my personal install buttons so you can get exclusive access to all the premium features to help you plan your mortgage.

Renewal

Up for renewal? Here are 5 steps to follow to ensure a smooth process.

Refinance

Need to refinance? Here is a plan that you can follow.

Take the stress out of mortgage financing.


LET'S TALK

Simple mortgage advice, honestly given!

By Kelly Hudson August 19, 2025
Buying your first home is exciting—and rather nerve-wracking! With so many mortgage options, the process can feel like a maze. My job is to make mortgages simple. Below is your step-by-step guide to how mortgages work , along with the key 2025 updates every homebuyer should know .
By Kelly Hudson July 17, 2025
British Columbia’s real estate landscape has changed dramatically over the past 15 years. Since 2010, we've seen waves of new legislation, tax policies, zoning reforms, and consumer protections that affect how homes are bought, sold, financed—and lived in. Whether you're a first-time homebuyer or a seasoned investor, keeping up with all these changes can feel overwhelming. That’s why working with a knowledgeable mortgage broker has become more important than ever. Here are 20 key real estate changes in BC since 2010 —and how they affect you.
By Kelly Hudson June 19, 2025
Home buyers say the #1 obstacle to homeownership is saving enough money for a down payment. Mortgage default insurance (also called mortgage insurance) allows you to purchase a home with as little as 5% down . It protects your lender if you stop making payments. Typically, a 20% or higher down payment is your best option. However, for many Canadians, reaching this amount can be challenging, especially in expensive markets like Greater Vancouver & Toronto. If you don't have enough cash for a 20% down payment, Mortgage Default Insurance can help. How Much Down Payment Do You Need? 
By Kelli Hudson May 16, 2025
Have you ever dreamed of buying a piece of land and building your very own home from scratch? You're not alone! Buying bare land, especially in beautiful British Columbia, Canada, can be an exciting adventure or a money pit. Before you start dreaming of where to put your future house, there are a few important things you should know. What is Bare Land? Bare land, sometimes called vacant land, is just that—land without any buildings or structures on it. It's an empty canvas waiting for your ideas. But buying bare land isn’t quite the same as buying a house or apartment. It comes with its own set of rules and challenges, especially when it comes to financing. Why is Financing Bare Land Different? When you buy a home, Lenders feel safer lending you money because if something goes wrong, they can sell the house to get their money back. With bare land, it’s different because there’s nothing built yet. It’s harder to sell bare land – than a home. Which makes it riskier for Lenders, therefore they usually have stricter lending rules and higher interest rates to offset the risk. Important Things to Consider About Financing Bare Land: 1. Down Payments Can Be High Raw Land : This is completely untouched land without any utilities like water, sewer, electricity, or roads. Lenders often require a large down payment, sometimes around 50% of the land’s price. Due to the higher perceived risk, many lenders do not lend on raw, undeveloped land. Vacant or Serviced Land : This land already has important utilities (like electricity, water, sewer, gas, telecommunications, and road access) nearby or already installed. Because it's easier to build on, Lenders may require a slightly lower down payment, usually around 35%. 2. Higher Interest Rates and Shorter Loan Terms Interest rates on land loans are generally higher than on regular home loans because of the increased risk. Also, Lenders might offer shorter loan terms. Some lenders may offer loans where you only pay interest for a few years, which can help lower your monthly payments in the short term. 3. Finding the Right Lender There are three main places to get a land loan: Traditional Banks : Major banks sometimes provide land loans but usually with strict rules, high down payments, and higher interest rates. Credit Unions : Local credit unions can often have more flexible rules and may offer better terms, especially if the land is within their local lending area. Private Lenders : Companies specifically dealing with land financing. They offer customized loans but typically charge fees for borrowing the money and higher interest rates.
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