About
Hi, I'm Javan.
Mortgage broker on Vancouver Island. Twenty years in sales and recreational finance before mortgages — especially built for the self-employed, contractors, and anyone whose income doesn't fit a T4 slip.
Most mortgage advice in Canada is written for someone with a steady T4 and a predictable file. If that's not you — if you're self-employed, incorporated, run a trades business, or your income comes from more than one place — the standard playbook usually doesn't work. That's the gap this site is written to fill.
The work
What you'll find here
Writing about the mortgage decisions British Columbians actually face — first-time buying, renewals, refinancing, investment properties, HELOCs, and how self-employment income actually gets underwritten. Real conversations, honest math, and the answers I'd give a friend across the kitchen table.
The reader
Who it's for
Self-employed British Columbians — contractors, small business owners, freelancers, corporation owners — plus T4-employed BC homeowners at renewal or refinance. Focused on Vancouver Island and greater BC. No finance background needed.
The approach
Why "real conversations"
Because a rate quote is not the same as advice, and a script is not the same as understanding your situation. Twenty years selling and financing things people care about taught me that trust gets built one honest conversation at a time. That's how I work with clients, and that's the standard I write to here.
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