Hi, I’m Michael Hallett, thanks for visiting my website. Here is a bit about me and how I came to become a mortgage professional.
I have proudly lived my whole life in BC. I spent the first 10 years of my life in a small town called Holberg on the north end of Vancouver Island at the height of the logging industry, however now it is better known as the gateway to Cape Scott Provincial Park. From there, the four of us (mom/dad and sister) moved around some. It was at this time that I developed a love for the outdoors, I guess living in a remote part of BC will do that to you!
Skipping ahead a fair bit, my then girlfriend and now wife Kirstin and I moved to Whistler to pursue jobs and live the outdoor lifestyle. It was there that my entrepreneurial spirit was starting to take shape. In the next couple of years I self-started two 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 when I first became interested in home financing.
A year after our son Aidan was born we decided to move back to Coquitlam to pursue different careers. After purchasing our second home in 2009, I knew that I wanted to become a Mortgage Expert, so I did. I have been helping clients ever since! For the work I did in 2016, I was awarded the DLC Top Performers Gold Award, which placed me in the top 15% of all DLC Brokers in Canada.
When Kirsten and I are not working and Aidan isn’t in school, you will likely find us hiking, biking, skiing, camping, boating, playing hockey or lacrosse, or on the road or trail somewhere. To say we are an active family is an understatement, but we wouldn’t have it any other way!
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to you and arrange the mortgage that suits your goals!
Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is with a preapproval, so you know exactly how much buying power you have.
Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property or travel the world… regardless, I can discuss all your mortgage refinancing options with you!
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.
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. Talk soon!
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
I have developed excellent relationships with lenders across BC, let’s figure out which one has the best products for you!
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!
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!
News From The Desk of Michael Hallett
As part of the mortgage and real estate processes, there’s a lot of confusion around the differences between the deposit and the downpayment. It's important to understand what sets them apart so you don’t get confused when it’s time to secure financing on a property...read more
Building your dream home can sound really exciting, but have you thought about everything that goes into building a new home? Here are 7 Questions you should ask yourself before making any concrete plans! 1. What are my expectations with this new home? Are you looking...read more
If you have a variable rate mortgage, and recent economic news has you thinking about locking into a fixed rate, here is what you can expect will happen. Firstly, your lender will be very happy as they will now make considerably more money off you. Not only will your...read more
The Bank of Canada today maintained its target for the overnight rate at 1 ¾ per cent. The Bank Rate is correspondingly 2 per cent and the deposit rate is 1 ½ per cent. Recent Canadian economic data are in line with the projections in the Bank’s April Monetary Policy...read more
No doubt about it, buying a home is an emotional experience. It's a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It's hard to get it right, figuring out what's negotiable and what isn't... what you can...read more
Contact Me Anytime!