
The Differences Between A, B and C Mortgage Lenders
Understanding the differences in A, B and C lenders with their varying requirements will help you choose which option is best for you and your real estate strategy.
Keaton Kirkwood: (778) 847-0552
Scott Brennan: (778) 999-1927
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.
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.
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.
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.
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!
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.
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.
As first-time home buyers and new parents, my wife and I realize how crucial it is to hire a mortgage group that understands your individual needs and has the relevant expertise to address them.
Upon being referred to Mr. Kirkwood by a trusted and reliable associate, we began working with Kirkwood & Brennan Mortgage Group in late 2019, early 2020. Ever since adding their team to our network, Kirkwood & Brennan Mortgage Group have gone above and beyond to assist our family with securing a personal mortgage that suits our overall requirements.
As a public practice accountant, I have had the pleasure of working with Mr. Kirkwood on a continuous basis, and can attest to the products and services that are advised by Kirkwood & Brennan Mortgage Group.
Of the mutual clients whom Mr. Kirkwood has referred to our office for income tax assistance, the general consensus appears to be that Kirkwood & Brennan Mortgage Group deliver all around exceptional results. Therefore, I would strongly recommend hiring the services of Kirkwood & Brennan Mortgage Group to assist you with any of your mortgage needs.
As first-time home buyers and new parents, my wife and I realize how crucial it is to hire a mortgage group that understands your individual needs and has the relevant expertise to address them.
Upon being referred to Mr. Kirkwood by a trusted and reliable associate, we began working with Kirkwood & Brennan Mortgage Group in late 2019, early 2020. Ever since adding their team to our network, Kirkwood & Brennan Mortgage Group have gone above and beyond to assist our family with securing a personal mortgage that suits our overall requirements.
As a public practice accountant, I have had the pleasure of working with Mr. Kirkwood on a continuous basis, and can attest to the products and services that are advised by Kirkwood & Brennan Mortgage Group.
Of the mutual clients whom Mr. Kirkwood has referred to our office for income tax assistance, the general consensus appears to be that Kirkwood & Brennan Mortgage Group deliver all around exceptional results. Therefore, I would strongly recommend hiring the services of Kirkwood & Brennan Mortgage Group to assist you with any of your mortgage needs.
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.
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.
Understanding the differences in A, B and C lenders with their varying requirements will help you choose which option is best for you and your real estate strategy.
Planning for retirement is something everyone should be doing. The Smith Manoeuvre is one strategy you can use to make sure you and your family are well looked after financially.
There are many different impacts on Canadian mortgages right now and it is important to understand what they are and how they will impact you.
Construction financing isn’t as simple as getting one big lump sum from the bank to build your home. There is a good deal of criteria to be met, including appraisals and different stages of development being signed off on. We are here to help you navigate construction loans and can help you with your next project.
If you are panicked about debt and are considering selling your home even if you are unsure if this will solve the problem, you need to look into this strategy to see if it will work for you. We are hear to help you on your journey and to connect you to the right professionals.
Is it a good time buy a home? American author H Jackson Brown once famously said “Nothing is more expensive than a missed opportunity.” Over
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