Senior Mortgage Broker · Dominion Lending Centres · A Better Way
More Lenders.
More Options.
One Trusted Broker.
Denise Devente has spent 25+ years helping families across British Columbia, including first-time buyers, self-employed professionals, new immigrants, and non-residents, find the right mortgage from over 30 lenders. Freedom of Choice, Unbiased Advice, Simply the Best Deal for You.
25+ Years · AMP Designated · 2025 Premiere Club · Top 10%
Denise Devente, AMP
25+ Years Experience · British Columbia
Major Banks · Credit Unions · Monoline Lenders · Private Lenders
Access to 30+ lending institutions, one application, no bank bias.
Why a broker
The bank shops one shelf. Denise shops the market.
Going Direct to the Bank
- One lender, one rate
- No negotiation on your behalf
- No advocate at renewal
- Your file fits their box, or it doesn't
Working With Denise
- Access to 30+ lenders, matched to your file
- Rates negotiated on your behalf
- $0 cost to you in most cases
- One advisor across purchase, refinance, and renewal
- Multiple lenders compared side by side, not just one bank's shelf
- A dedicated advocate, not a call centre queue
- Support that continues after closing, all the way to your next renewal
Mortgage services
Nine ways Denise structures financing.
Residential Mortgages
Home purchase and pre-approval financing, so you know your budget before you shop and can move fast when you find the right home.
A pre-approval sets your real budget and holds a rate while you search, which matters in a market where good listings move in days. Denise prepares the full application up front so financing conditions can be met quickly and confidently. Whether it's your first purchase or your fifth, the structure is built around your timeline.
Refinancing & Equity Take-Out
Access the equity you've built for renovations, investments, or debt consolidation, or refinance into a better rate and structure.
Refinancing can free up equity for a renovation, an investment property, or consolidating higher-interest debt into a single lower payment. Denise compares the penalty cost of breaking early against the long-term savings so the math is clear before you commit. Every option is presented side by side, not pitched.
Reverse Mortgage (CHIP)
Unlock home equity in retirement without monthly payments: a flexible option for homeowners 55+ who want to stay in their home.
A CHIP reverse mortgage lets homeowners 55+ access tax-free equity with no required monthly payments, so retirement income isn't tied up in the house. You keep ownership and stay in your home. Denise walks through the trade-offs honestly, including how the balance grows over time.
Self-Employed
Flexible qualification for self-employed borrowers, using lenders built for real-world income, not just a T4.
Business-for-self income rarely looks tidy on a tax return, and many banks stop reading there. Denise works with lenders who assess bank statements, contracts, and business performance instead. This is one of her longest-standing specialties.
Switch and Transfer Mortgage
Switching or transferring your mortgage to a new lender, often at renewal, without starting the process from scratch.
Moving your mortgage doesn't mean starting over. Denise reviews your current terms and handles the transfer to a better fit for you.
Private Mortgage
Private, first, second, and third position financing for situations that don't fit traditional lending.
When a file doesn't fit a traditional lender's box, private financing can bridge the gap. Denise will walk you through whether it makes sense for your situation.
Alternative Lending
Alternative qualification for new immigrants, non-residents, and other non-traditional income situations.
Not every file fits the standard qualification box. New immigrants to Canada, non-residents, and other alternative income situations often need a different lender and a different approach. Denise works with lenders who specialize in these programs so a non-standard file still gets a fair shot.
Construction Financing
Draw-based financing for building a new home or major renovation, structured around your build timeline.
Construction financing advances funds in stages as the build progresses, which means the schedule and inspections have to line up with the lender's requirements. Denise structures the draws to line up with your builder's timeline and the lender's requirements.
Specialty Program
Specialty financing programs for unique situations that don't fit a standard mortgage.
Some situations call for a more creative approach. Ask Denise about specialty programs that might apply to yours.
Smart Mortgage Calculator
Run your numbers, properly.
Built on Canadian semi-annual compounding, not the American formula most online calculators use.
Your numbers
5-Year Fixed, sample rate. Confirm with Denise.
30-year amortization available for eligible first-time buyers and new builds.
Your estimate
Estimated Monthly Payment
$3,764
- Mortgage Amount
- $720,000
- Down Payment
- $180,000
- Total Interest · 5-Year Term
- $131,969
- Total Cost Over Amortization
- $1,129,189
This is an estimate for illustration only, based on the information provided. CMHC premiums and total-cost figures are estimates assuming a constant rate. Contact Denise directly for an accurate quote based on your full application.
Get My Real RateTrusted Partners
Banks, Lenders & Insurers
Through Dominion Lending Centres – A Better Way, we partner with Canada's top financial institutions. Below is a selection of the trusted A-lenders, credit unions, and default insurers we work with daily.
...and many more.
If you don't see your bank or lender listed, chances are we work with them — just ask.
Ready to apply?
Nothing required before we talk.
Every file is different, so rather than guess, Denise will tell you exactly what she needs during the conversation.
Prefer to talk first
Let's have a conversation
Not sure where to start? A quick call is the easiest way to find out what your options actually look like.
Call 604 764 7363Ready to move now
Ready to get the ball rolling?
Submit your application online and Denise will take it from there, reaching out with next steps.
Apply Online0+
Years Experience
0+
Lenders
0.0★
Google Reviews
$0
Cost to You
Reviews
What Clients Say.
5.0
Average on Google
“I completed my second mortgage with Denise. She always goes above and beyond my expectations at getting my mortgage approved and getting the lowest rate possible. She knows all kinds of lenders — banks, credit unions — and will choose the best one for you. I highly recommend Denise if you're looking to get a mortgage.”
I completed my second mortgage with Denise. She always goes above and beyond my expectations at getting my mortgage approved and getting the lowest rate possible. She knows all kinds of lenders — banks, credit unions — and will choose the best one for you. I highly recommend Denise if you're looking to get a mortgage.
I was very impressed with her quality of customer service.
Highly recommend, very professional and always willing to help. I will definitely use Denise again in the future. I can't recommend her highly enough!
She worked hard to get me the best rate and was super informative throughout the whole process. Definitely the broker I'll recommend to all my friends and family!
No need to stress when you have Denise as your mortgage specialist! Denise not only gets you the best rate in town she makes sure every detail is looked after for you.
Denise is helpful, knowledgeable, and definitely on top of everything in the fast-paced world of mortgages, rates, and banks. And she's the most effective communicator I've ever come across, keeping us informed every step of the way as our application proceeded.
Twenty-five years of experience. One conversation could save you thousands.
How it works
Four steps, start to funding.
Free Discovery Call
We talk through your goals, timeline, and financial picture, no obligation.
Shop the Market
Denise shops your application across banks, credit unions, and monoline lenders to find your best fit.
Pre-Approval & Application
Get a clear, confident number before you shop, then a fully prepared application when you're ready.
Closing & Funding
Denise coordinates with your lawyer/notary and lender through to closing day, and stays your advisor for renewal.
FAQ
Questions, answered plainly.
In most cases, no. Denise is paid by the lender once your mortgage funds, not by you. There's no cost or obligation to have a conversation.
As little as 5% on homes under $500,000. On homes between $500,000 and $1.5 million, it's 5% on the first $500,000 and 10% on the remainder. Denise can walk you through exactly what applies to your purchase.
A fixed rate stays the same for your entire term, giving you predictable payments. A variable rate moves with the lender's prime rate, which can mean lower costs when rates fall. Denise will help you weigh both against your risk tolerance and timeline.
Yes, this is one of Denise's specialties. She works with lenders who understand self-employed and business-for-self income, not just a T4.
Yes, Denise has access to lending programs specifically built for new immigrants to Canada and non-resident buyers.
Every situation is different. Credit challenges don't automatically rule out financing, reach out and Denise will walk you through your real options.
This comes up more often than people think, and it doesn't mean the door is closed. Talk to Denise about where things stand and what's possible from here.
Mortgage Insights