Financial Tips
How to be mortgage free sooner.
Pre Payment Privileges Each lender offers different pre payment terms, but most lenders offer prepayment privileges from 10% to 20% of the original mortgage amount.
Keaton Kirkwood: (778) 847-0552
Scott Brennan: (778) 999-1927
Menu
Services
Purchases
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.
Renewals
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.
Refinancing
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
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
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
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
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.
Step 3: Save Your Money
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.
Testimonials
Keaton and Scott are amazing to work with. They work well together and more importantly, they both go out of their way to bring the best possible solutions for buyers in realizing their real estate goals. Their knowledge, professionalism and promptness are sincerely appreciated. Both Keaton and Scott are tremendous to work with.
Margaret WongRealtor, Delta, BC
I highly recommend Keaton and Scott of Kirkwood & Brennan Mortgage Group. My first interaction with him was not as a client nor a potential one, just a guy with a problem and lots of questions. Keaton did not try to get my business rather he clarified my financing inquiries by answering questions and following up, this alone speaks volumes on the type of person he is. Because of that, I recommended him to my closest friend who needed financing in less than a week and turns out he got them a very low rate with a minute to spare. He is my go-to broker and has and will be part of my real estate investing ventures.
Klarck MontemayorClient, Victoria, BC
Keaton and Scott have always been quick to respond and work with myself and my clients. Thankful for the opportunity to get to know him and the team at KB Mortgages.
Brandon KirkClient, Abbotsford, BC
Keaton & Scott were awesome at what they do. They were not only patient, responsive but also went above and beyond their job as a mortgage broker. They gave us options, advices, and most importantly, peace at mind.
Our family appreciate their time & effort in helping us get approved. 101% highly recommend!
Kim Dong and Thanh Ho Client, Surrey, BC
Very professional and prompt service. Always know you are getting the best recommendations for your needs. Extremely knowledgeable, would recommend!
Cory GrahamClient, Langley, BC
It's great to see more young professionals in the mortgage industry and there are no finer gentlemen than Keaton and Scott. Not only are they go-getters, they are extremely knowledgeable, professional in their conduct and provide creative ways to get your financing secured and your keys to your new home in your hand!
Joshua MikolasekRealtor, Kelowna, BC
Keaton is on the ball, super smart and provides exceptional service! I love passing my clients over to Keaton as I know they will be well taken care of which makes my job as a REALTOR so much easier. Keaton deserves more than 5/5 stars!
Juliana ValleeRealtor, Greater Vancouver
Kirkwood and Brennan Mortgage Group take care of you like you are family.
They helped me refinance my home and got me exactly what I was looking for. I got a competitive rate with flexible terms that saved me several hundreds per month. These two are the most integral mortgage brokers I have ever met. I would send my grandma to them.
Alec DruryClient, North Vancouver, BC 
Keaton Kirkwood has been a key part of my real estate investing journey. Aside from providing mortgage support, Keaton goes beyond to help clients like me to build our foundation. He is passionate about building long-term relationships with his clients by getting to know them personally and understanding their goals. Thereafter, he collaborates with you to discuss long-term strategy and action plans to get started.
Keaton is a great listener and a problem solver who has a genuine curiosity to learn more. I highly recommend that you get to know him and work with him.
Cynthia SuClient, Vancouver/Toronto
We have worked with Keaton and Scott since 2013 and have thoroughly enjoyed working with them. These two are a great combo when it comes to mortgages and will have you covered from start to finish. They are solution oriented and hardworking and will always do everything in their power to get the deal done. It is a pleasure working with these two mortgage professionals - highly recommended!
Adam LawrensonAppraiser, Great Vancouver 
I have referred many Canadian homeowners interested in making their mortgage tax-deductible to Scott and Keaton at KB Mortgages and I am glad he is part of the Smith Manoeuvre Certified Professional family. I know Scott and Keaton to be honest, straightforward, incredibly knowledgeable about what type of financing is required for successful Smith Manoeuvre implementation, and I know him to be greatly appreciated by his clients - their comments on his service prove that.
Robinson SmithPresident, Smith Consulting Group Ltd.
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.
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Keaton and Scott are amazing to work with. They work well together and more importantly, they both go out of their way to bring the best possible solutions for buyers in realizing their real estate goals. Their knowledge, professionalism and promptness are sincerely appreciated. Both Keaton and Scott are tremendous to work with.
Margaret WongRealtor, Delta, BC I highly recommend Keaton and Scott of Kirkwood & Brennan Mortgage Group. My first interaction with him was not as a client nor a potential one, just a guy with a problem and lots of questions. Keaton did not try to get my business rather he clarified my financing inquiries by answering questions and following up, this alone speaks volumes on the type of person he is. Because of that, I recommended him to my closest friend who needed financing in less than a week and turns out he got them a very low rate with a minute to spare. He is my go-to broker and has and will be part of my real estate investing ventures.
Klarck MontemayorClient, Victoria, BC Keaton and Scott have always been quick to respond and work with myself and my clients. Thankful for the opportunity to get to know him and the team at KB Mortgages.
Brandon KirkClient, Abbotsford, BC Keaton & Scott were awesome at what they do. They were not only patient, responsive but also went above and beyond their job as a mortgage broker. They gave us options, advices, and most importantly, peace at mind.
Our family appreciate their time & effort in helping us get approved. 101% highly recommend!
Kim Dong and Thanh Ho Client, Surrey, BC Very professional and prompt service. Always know you are getting the best recommendations for your needs. Extremely knowledgeable, would recommend!
Cory GrahamClient, Langley, BC It's great to see more young professionals in the mortgage industry and there are no finer gentlemen than Keaton and Scott. Not only are they go-getters, they are extremely knowledgeable, professional in their conduct and provide creative ways to get your financing secured and your keys to your new home in your hand!
Joshua MikolasekRealtor, Kelowna, BC Keaton is on the ball, super smart and provides exceptional service! I love passing my clients over to Keaton as I know they will be well taken care of which makes my job as a REALTOR so much easier. Keaton deserves more than 5/5 stars!
Juliana ValleeRealtor, Greater Vancouver Kirkwood and Brennan Mortgage Group take care of you like you are family.
They helped me refinance my home and got me exactly what I was looking for. I got a competitive rate with flexible terms that saved me several hundreds per month. These two are the most integral mortgage brokers I have ever met. I would send my grandma to them.
Alec DruryClient, North Vancouver, BC Keaton Kirkwood has been a key part of my real estate investing journey. Aside from providing mortgage support, Keaton goes beyond to help clients like me to build our foundation. He is passionate about building long-term relationships with his clients by getting to know them personally and understanding their goals. Thereafter, he collaborates with you to discuss long-term strategy and action plans to get started.
Keaton is a great listener and a problem solver who has a genuine curiosity to learn more. I highly recommend that you get to know him and work with him.
Cynthia SuClient, Vancouver/Toronto We have worked with Keaton and Scott since 2013 and have thoroughly enjoyed working with them. These two are a great combo when it comes to mortgages and will have you covered from start to finish. They are solution oriented and hardworking and will always do everything in their power to get the deal done. It is a pleasure working with these two mortgage professionals - highly recommended!
Adam LawrensonAppraiser, Great Vancouver I have referred many Canadian homeowners interested in making their mortgage tax-deductible to Scott and Keaton at KB Mortgages and I am glad he is part of the Smith Manoeuvre Certified Professional family. I know Scott and Keaton to be honest, straightforward, incredibly knowledgeable about what type of financing is required for successful Smith Manoeuvre implementation, and I know him to be greatly appreciated by his clients - their comments on his service prove that.
Robinson SmithPresident, Smith Consulting Group Ltd.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.
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Kirkwood and Brennan
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
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.
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