Kelly Hudson

MORTGAGE ARCHITECTS

LET’S WORK TOGETHER TO GET YOU THE BEST MORTGAGE AVAILABLE

LET'S TALK

BRIANNA & THOMAS

Happy Clients

As first-time home buyers we had a lot of questions regarding the mortgage process and Kelly did a fantastic job in helping us understand everything.  We highly recommend Kelly to anyone looking to purchase a home!

Hi, I’m Kelly. I’m a Mortgage Broker, living in Richmond and servicing the Greater Vancouver area and beyond for the last 11+ years.


 Buying a home is both: exciting and nerve wracking.  My goal is to simplify and educate you about mortgage financing, so you make good decisions based on your situation.


 As a Mortgage Broker - I specialize in Mortgage Intelligence, educating people about mortgages, how they work and what lenders are looking for.  Everyone's home purchasing situation is different, so working with me will give you a better sense of what mortgage options are available based on the 4 strategic priorities that every mortgage needs to balance:

  • lowest cost
  • lowest payment
  • maximum flexibility
  • lowest risk

The fine print in the mortgage contract can far outweigh the rate being offered.  Most people are blinded by the rate, in their quest for a mortgage. 

  • Rates are #1 & #10 on your list, we discuss the other 8 areas of the mortgage, to ensure you find the best fit for your circumstance.

In a perfect world I would LOVE to meet people 3 months-3 years prior to them planning on purchasing a home, so I can work with them to put together a home ownership game plan.


My services for a typical mortgage are FREE (I get a finder’s fee from the lender) and I help people save money.  I LOVE my job!


My mortgage brokering services include:

  • PURCHASING your first home
  • REFINANCING for renovations, investments or debt consolidation
  • RENEWING your current mortgage
  • INVESTING in a rental/revenue property/cottage
  • REVERSE MORTGAGE for Homeowners age 55+, enabling them to access the equity in their home to let them live life on their terms. 

If you would like to discuss mortgage financing with me, please contact me!


A little about me - I've lived in Richmond for 40+ years, have 1 husband (George), love animals including my 2 rescue poochies (Sophie & Sam). For fun, I enjoy socializing, travel & baking (especially cookies and cupcakes) & I’m practically addicted to Hawkins Cheezies & Jujube’s!! 

My Process is Simple.

Get in Touch

Get in touch with me however you feel comfortable. I will answer all your questions and provide you with counsel, all without any pressure.

 Choose a Solution

Once we've had a chance to go over your financial situation, I will outline all your mortgage options, and you can make the best choice for you.

Enhance your Lifestyle

With your new mortgage in place, you can get on with living your life! I'll always be there if you have any questions in the future!

Want to get started right away? 

APPLY NOW

Download My Mortgage Toolbox

Download My Mortgage Planner using my personal install buttons so you can get exclusive access to all the premium features to help you plan your mortgage.

Renewal

Up for renewal? Here are 5 steps to follow to ensure a smooth process.

Refinance

Need to refinance? Here is a plan that you can follow.

Take the stress out of mortgage financing.

LET'S TALK

Simple mortgage advice, honestly given!

BC Property Assessment vs. Home Appraisal (Updated for 2026)

By Kelly Hundson • January 15, 2026
What Is BC Assessment? Every January, British Columbia homeowners receive their annual Property Assessment Notice . BC Assessment is a provincial Crown corporation responsible for valuing all real estate in British Columbia for property tax purposes. Each year, BC Assessment provides an estimate of a property’s fair market value as of July 1 of the previous year . 👉 To view the most recent assessment for any property, visit the BC Assessment website and search by address. Important things to understand about BC Assessments Timing matters. Your 2026 assessment reflects an estimated market value as of July 1, 2025, not today. Markets change quickly. In active or volatile markets (like Greater Vancouver and the Fraser Valley), values can shift significantly in a matter of months. Mass appraisal methods are used. BC Assessment relies on algorithms and broad market data rather than a detailed, in-person inspection of your specific home. Because of this, an assessed value can differ — sometimes substantially — from: a lender-ordered mortgage appraisal, or a private real estate appraisal completed for buying or selling. BC real estate context (2026) As we move through 2026, BC housing markets continue to be influenced by: interest-rate expectations and changes by the Bank of Canada, affordability pressures, regional supply constraints, and local economic conditions. This means BC Assessment values should be used only as a starting point , not as a precise indicator of what a property will sell for or what a lender will accept as value. Bottom line: Do not rely on BC Assessment for the exact value of a property you’re planning to sell, purchase or refinance.

Foreign Home-Buyer Tax in BC: What You Need to Know as of Dec. 2025

By Kelly Hudson • December 6, 2025
Foreign Home-Buyer Tax in BC: What You Need to Know as of Dec. 2025 (For informational purposes only – always confirm details with your accountant & lawyer before buying.)

10 Helpful Words to Know when Buying a Home

By KellyHudsonMortgages • November 26, 2025
Buying a home is one of the most important financial decisions you will make and tends to be stressful with all the new terminology.  To help you understand the process and have confidence in your choices, check out the following common terms you will encounter during the home buying process.  Amortization – Length of time…
Hands holding a house with orange roof, surrounded by clouds. Text

Mortgage Insurance 101 Revised Nov 2025

By Kelly Hudson • November 14, 2025
Buying a home is one of the biggest financial moves you’ll ever make — and along with it comes a whole lot of new terms, rules, and (you guessed it) insurance . You might think “Mortgage insurance… how complicated can that be?” But once you start hearing about default insurance , mortgage life insurance , and home insurance , it’s easy to get lost in the fine print. Don’t worry — this guide breaks it all d own so you can feel confident about what each type does, what it costs, and why it matters.
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