Mortgage advice you can trust

Let me navigate you through the process of successfully achieving your mortgage goals

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MICHAEL HALLETT 
Passionate about Mortgages, Mountain Biking and Craft Beer

Mortgage financing can be frustrating. It doesn't have to be when you follow this 3 step plan.

Get started right away

The best place to start is to connect with me directly. The mortgage process is personal. My commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.

Get a clear plan

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me cut through the noise, I'll outline the best mortgage products available, with your needs in mind.

I'll handle the details

When it comes time to arranging your mortgage, I have the experience to bring it together. I'll make sure you know exactly where you stand at all times. No surprises. I've got you covered.

MICHAEL HALLETT

Mortgage Broker

Thank you for coming to check my website. If you only have time to read one paragraph, I can summarize everything below in one sentence. I’m a 13-year veteran mortgage broker, addicted mountain biker for over 26 years, passionate big mountain skier for even longer, rookie dirt biker, outdoor enthusiast for over 45 years and lover of craft beer.

 

As a BC boy born and bred, I can proudly say I’ve lived my entire life in BC. Growing up on the north end of Vancouver Island in a small logging town (Holberg), it helped cement my love for the outdoors. From there we moved to the Coquitlam area when I was 10 years old where my dad opened a business with my uncle.

 

After graduating high school, I moved to Victoria for 1 year where I enrolled in an Outdoor Eco-tourism Program. From there my then girlfriend and I, now my wife Kirstin, moved to Whistler to pursue a lifestyle of playing and working outside. It was there that my entrepreneurial spirit had started to take shape. Over the next couple of years, I self-started two small businesses in the tourism industry including a guided mountain bike adventure company.

 

It was around this time in Whistler that Kirstin and I bought our first home and I started to become interested in the mortgage financing space. Our son Aidan was born in 2007 and a year later we decided to move back to Coquitlam to pursue different careers. After purchasing our second home in 2008, I knew that I wanted to make a career out of being a Mortgage Broker, so I did. I have been assisting clients achieve their goals of real estate ownership since August 2009. Currently I am ranked in the top 5% of brokers at Dominion Lending across Canada. In 2021 I received the DIAMOND award for my mortgage practice.

 

When we are not working or Aidan’s not in school you can usually find us being active somehow; hiking, mountain biking, skiing, camping, boating, playing hockey, golfing, traveling or on the road headed out on our next adventure. We love being busy and we would not have it any other way!

On a more personal note...

BEERS, BIKES & MORTGAGES

I am passionate about mortgage brokering, mountain biking and craft beer.


My commitment is to navigate you through the entire mortgage process, guiding you every step of the way. I have the ability and experience to help you achieve your mortgage goals.


Mountain biking is a true lifestyle and I absolutely love it. I also enjoy good tasting beer and Parkside Brewery is one of my favorite places.


Watch my 'Beers, Bikes & Mortgages' video here.

Obviously there are a lot more services I can offer and a lot more information I can share with you. Consider this my invitation to contact me with your questions, I would love to work with you and help you figure out a plan not only to get you a mortgage, but to help you get rid of it.

BURKE MOUNTAIN DEVELOPMENTS

If you are looking to purchase a home in the new Burke Mountain Development, I know the project very well and would love to help you arrange mortgage financing. I live in Coquitlam and spend most of my free time in Pinecone Burke Mountain Provincial Park. If you are looking for an inside man to help you navigate the area, you’ve found him.

Okay, so maybe a calculator really isn’t a service, but if you click through this link, it will take you to a page with a some really fun options to run some calculations on your own. When you have things somewhat figured out, give me a shout and we can see exactly where you stand.

DOWNLOAD MY MORTGAGE TOOLBOX

WHAT CAN YOU DO WITH MY APP:

 

  • Calculate your total cost of owning a home
  • Estimate the minimum down payment you need
  • Calculate Land transfer taxes and the available rebates
  • Calculate the maximum loan you can borrow
  • Stress test your mortgage
  • Estimate your Closing costs
  • Compare your options side by side
  • Search for the best mortgage rates
  • Email Summary reports (PDF)
  • Use my app in English, French, Spanish, Hindi and Chinese

 

TESTIMONIALS

It was definitely a pleasure working with Michael. From day one he was upfront and honest about my unique credit situation, however he was also the positive reinforcement I needed to keep going and give it a try. Even when the banks wouldn’t give me the time of day, he was certain we would find someone who would give me a chance. He was very patient with my questions (I am sure they seemed to be never-ending at times), and helped to guide me through the many different stages of purchasing a home.

Thanks to Michael and his dedication, he found a lender that would work with my situation and I now own my first home. He also has coached me on how to fix my credit rating, and I am pleased to say that my credit score is already considerably higher than when we began this process. I would highly recommend Michael to anyone looking for a mortgage!

Jillian

As first time home buyers, we had many questions and concerns. Even if not directly related to the mortgage, Michael was always readily available to provide answers or direct us to them. Despite some unforeseen changes on our end including shifting our purchase to a different home, he provided us with everything we needed and made the mortgage process nearly free of any stress.

Would highly recommend him to friends and family!

Ryleigh & Jeff

John Doe's Image
I was connected with Michael through my realtor. Michael found me the type of mortgage I was looking, for which helped me purchase my home. The experience was seamless. Michael was always available, customer focused and kept in constant communication with me.

The whole experience working with Michael was perfect.

Boky

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NEWS FROM THE DESK OF MICHAEL HALLETT

Co-Signing a Mortgage in Canada: Pros, Cons & What to Expect

By Michael Hallett • May 6, 2026
Co-Signing a Mortgage in Canada: Pros, Cons & What to Expect Thinking about co-signing a mortgage? On the surface, it might seem like a simple way to help someone you care about achieve homeownership. But before you sign on the dotted line, it’s important to understand exactly what co-signing means—for them and for you. You’re Fully Responsible When you co-sign, your name is on the mortgage—and that makes you just as responsible as the primary borrower. If payments are missed, the lender won’t only go after them; they’ll come after you too. Missed payments or default can damage your credit score and put your financial health at risk. That’s why trust is key. If you’re going to co-sign, make sure you have a clear picture of the borrower’s ability to manage payments—and consider monitoring the account to protect yourself. You’re Committed Until They Can Stand Alone Co-signing isn’t temporary by default. Even once the initial mortgage term ends, you won’t automatically be removed. The borrower has to re-qualify on their own, and only then can your name be taken off. If they don’t qualify, you stay on the mortgage for another term. Before agreeing, talk openly about expectations: How long might you be on the mortgage? What’s the plan for eventually removing you? Having these conversations upfront prevents surprises later. It Affects Your Own Borrowing Power When lenders calculate your debt service ratios, the co-signed mortgage counts as your debt—even if you never make a payment on it. This could reduce how much you’re able to borrow in the future, whether it’s for your own home, an investment property, or even refinancing. If you see another mortgage in your future, you’ll want to consider how co-signing could limit your options. The Upside: Helping Someone Get Ahead On the positive side, co-signing can be life-changing for the borrower. You could be helping a family member or friend buy their first home, start building equity, or take an important step forward financially. If handled with clear expectations and trust, it can be a meaningful way to support someone you care about. The Bottom Line Co-signing a mortgage comes with both risks and rewards. It’s not a decision to take lightly, but with careful planning, transparency, and professional advice, it can be done responsibly. If you’re considering co-signing—or want to explore safer alternatives—let’s connect. I’d be happy to walk you through what to expect and help you decide if it’s the right move for you.

Bank of Canada Holds Rate at 2.25% — April 29, 2026

By Michael Hallett • April 29, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. This decision comes against a backdrop of significant global uncertainty — and for Canadian homeowners, buyers, and anyone with a mortgage coming up for renewal, here's what it means.

Get Unbiased Advice: Work with an Independent Mortgage Pro

By Michael Hallett • April 22, 2026
Why Work With an Independent Mortgage Professional? If you’re in the market for a mortgage, here’s the most important thing to know: Working with an independent mortgage professional can save you money and provide better options than dealing directly with a single bank. If that’s all you read—great! But if you’d like to understand why that statement is true, keep reading. The Best Mortgage Isn’t Just About the Lowest Rate It’s easy to fall for slick marketing that promotes ultra-low mortgage rates. But the lowest rate doesn’t always mean the lowest cost . The best mortgage is the one that costs you the least amount of money over time —not just the one with the flashiest headline rate. Things like: Prepayment penalties Portability Flexibility to refinance Amortization structure Fixed vs. variable terms …can all affect the true cost of your mortgage. An independent mortgage professional looks beyond the rate. They’ll help you find a product that fits your unique financial situation , long-term goals, and lifestyle—so you’re not hit with expensive surprises down the road. Save Time (and Your Sanity) Applying for a mortgage can be complicated. Every lender has different rules, documents, and policies—and trying to navigate them all on your own can be time-consuming and frustrating. When you work with an independent mortgage professional: You fill out one application They shop that application across multiple lenders You get expert advice tailored to your needs This means less paperwork , less stress , and more confidence in your options. Get Unbiased Advice That Puts You First Bank specialists work for the bank. Their job is to sell you that bank’s mortgage products—whether or not it’s the best deal for you. Independent mortgage professionals work for you. They’re provincially licensed, and their job is to help you: Compare multiple lenders Understand the fine print Make informed, long-term financial decisions And the best part? Their services are typically free to you . Mortgage professionals are paid a standardized fee by the lender when a mortgage is placed—so you get expert guidance without any out-of-pocket cost. Access More Mortgage Options When you go to your bank, you’re limited to that bank’s mortgage products. When you go to an independent mortgage professional, you get access to: Major banks Credit unions Monoline lenders (who only offer mortgages) Alternative and private lenders (if needed) That’s far more choice , and a much better chance of finding a mortgage that truly fits your needs and goals. The Bottom Line If you want to: Save money over the life of your mortgage Save time by avoiding unnecessary back-and-forth Access more lenders and products Get honest, client-first advice …then working with an independent mortgage professional is one of the smartest decisions you can make. Let’s Make a Plan That Works for You If you're ready to talk about mortgage financing—or just want to explore your options—I'm here to help. Let's connect and put together a strategy that makes sense for your goals and your future. Reach out anytime. I’d be happy to help.
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