Whether down payment, GST, property transfer tax, grants, rebates, first time home buyer programs, CMHC mortgage insurance or tax credits, we are here to help with all your home buying needs and questions.



When your mortgage renewal is around the corner, we can help you find the best options and rates or help you negotiate with your current lender.



Advice with lowering your mortgage payments, accessing additional cash, paying off your mortgage faster with the Smith Manoeuvre or paying off debts or accessing equity to purchase investment properties.

Real Estate Investing

Real Estate Investing

We assist with building your investment strategy, analyzing revenue properties, structuring joint venture deals, agreement for sale contracts, rent to own, private lending and building long term real estate portfolios.

Commercial Lending

Commercial Lending

We offer financing and advice for investment and business on multi-family apartments, development, retail, office, land, industrial, hotels, farms, mixed use commercial and construction projects.


B and Private Lending

If your bank or mortgage broker decline you, we can help you secure financing with alternative lenders, create a budget and help you rebuild your credit while building a plan to get you back with the best lenders.

Process to get approved for your mortgage

Process: Connect with us

Step 1: Connect With Us

Don’t wait in line, schedule a call with us while cozy at home. We are here to answer all your questions and to understand your needs. Speaking with us is totally free!

Step 2: Get Approved for your mortage

We will work with you to find multiple customized solutions based on your needs. Our approach is to go over each option and to provide the information so you can decide which options work best for you.

Process: Get approved
Process: Save your money

Step 3: Save Your Money on your mortgage

We work with you to find the lowest cost over the life of the loan. This means working with you to avoid fees and penalties after you obtain your mortgage as well as minimizing interest costs during your loan.


Kirkwood and Brennan

Keaton Kirkwood Portrait

Keaton Kirkwood

Keaton grew up in the Okanagan where he attended Okanagan College. In 2011 he racked up a $700 phone bill calling every drilling company in Alberta. After securing a job over the phone he threw everything he owned into his car and drove to Edmonton.

He started out roughnecking on a drilling rig, quite quickly he worked his way up operating power tongs and running casing from rig to rig. After spending 3 years working on call and in camp, with the longest hitch being over 100 days straight, enough was enough, it was time for a change.

This time setting out for Vancouver where he ended up working under one of Canada’s brightest Mortgage Brokers. It was here that Keaton met Scott Brennan, his now business partner. Initially they spent countless weekends taming unruly client files, each climbing a separate path inside of the company and honing their skills.

Eventually they decided to part ways with the company and founded Kirkwood & Brennan Mortgage Group.

Outside of work Keaton spends most of his time hiking and camping with his family – fiancée Karoliina, daughter Freya, dogs Zane and Malee, and his two cats, Shiva and Napoleon.

With the goal of creating a charity that helps addicts gradually transition from rehabilitation programs back into society, Keaton is very passionate about helping others.

Scott Brennan portrait

Scott Brennan

Despite the Vancouver Canucks superfan that you see before you, he wasn’t born and raised here. Scott grew up in the middle of Canada. Brandon, Manitoba. Pretty easy to see where he gets his laid back small town vibe from.

After graduating high school he packed up his gear and moved to Lethbridge Alberta. There he attended the University of Lethbridge but was seduced by entrepreneurship before finishing his program. At the age of 21 he opened a pizza place with a close friend from scratch, winning best pizza in Canada twice. Growing restless Scott felt the call to move to the big city, Vancouver.

Staying in the industry he knew, Scott started out bartending. Eventually the fun of late nights and not having a single weekend off… ever, wore off. Scott found inspiration in his older brother Dave, a mortgage broker back in Manitoba. In 2009 he enrolled at the University of British Columbia, applying his previous secondary education and getting his license to be a mortgage broker.

After a couple years Scott ended up working along side one of Canada’s brightest up and coming mortgage brokers. Scott toiled in the trenches, along side now business partner, Keaton Kirkwood. Frequently putting in 100 hour work weeks, the teams hard work paid off, 5 years later the team was amongst the top 20 in Canada.

Having truly mastered his craft Scott felt the entrepreneurs call once again. Branching off with Keaton, Scott was the driving force behind something new…

With the goal of raising the bar in the industry and putting clients first, Kirkwood & Brennan was born.