Kelowna’s Trusted Mortgage Broker

Hi, I’m Dave Lytton, ‘That Mortgage Man.’ With years of experience and a dedication to finding the best rates, I’m here to guide you every step of the way. From finding the best rates to guiding you through every step, I’m committed to making your mortgage journey as smooth as possible. Let’s work together to secure the perfect mortgage for your needs.


Dave Lytton – That Mortgage Man

Kelowna Mortgage Broker


Comprehensive Mortgage Services for All Your Needs

I’m here to help with all your mortgage needs—residential and commercial, including:

  • First-time home buyers
  • Refinancing and renewals
  • Second mortgages
  • Debt consolidation
  • Construction and commercial mortgages
  • Vacation or second homes
  • Home equity lines of credit
  • Reverse mortgages
  • Mortgages for the self-employed

The Canadian mortgage industry has changed a lot in recent years, especially for self-employed individuals and those with bad credit. The rules are stricter, but it’s important not to assume you can’t get a mortgage.”Out of the box” clients need “out of the box” brokers. Let me shop around and get you the mortgage you deserve.

The best rate is not always the lowest rate

Rates change all the time, and what’s best for one person might not be best for another. Contact me today and I’ll ask a few questions to help you find the perfect rate for you. No obligation, just personalized advice.


Riley P

My husband works while I look after 2 small kids. Saving for a down payment for a house is next to impossible. My dad suggested I talk to Dave. So I did. Dave suggested we take out an RRSP loan and then after 3 months, borrow against the RRSP to use for our down payment. Hardly any lenders would allow you to borrow against your RRSP’s before the loan was paid off, but Dave found one for us. We just moved into our new home last month. Thanks Dave!

Dave A

I thought that because I had been with my bank forever, that they were my friend. When my mortgage came up for renewal I wasn’t happy with what my bank gave me as a rate and gave Dave Lytton a call. Much to my surprise, Dave got me a better rate at my same bank! And his services are free to boot. I can’t imagine why anyone wouldn’t think about using a broker. You should give him a call.

K Cromie

I received excellent customer service from Dave for two mortgages he did for me. Dave went beyond my expectations!!! I highly recommend him.

L Myers

I had crap credit from a divorce about 10 years ago. Dave gave me some great tips to get my credit back in order. Last month Dave got me a mortgage and back into my own home. Thanks for everything Dave. You’re the greatest!

Elena & Richard

After being turned down by my bank, I asked Dave for help with my refinance. Within a couple of days, Dave was able to secure the financing I needed to complete my renovation. The process was quick and easy and I am grateful for the help Dave gave me during a very stressful time. I would happily recommend him without any hesitation.

Martin S

I’m in business for myself which means I write off as much as legally possible to pay the least amount of income tax. I thought this meant I wouldn’t qualify for much of a mortgage until I met up with Dave Lytton. Because I had lots of revenue flowing thru my business, Dave was able to get me qualified for over half a million dollars. As long as I need a mortgage, Dave’s the guy.

David T

As a new immigrant to this country, I had no idea how the mortgage process works. This is until I spoke to Dave. His knowledge and professionalism was second to none and I will soon be a new home owner. Thanks Dave.

Melissa F

Dave Lytton helped my husband and I get into a home about 8 years ago without any downpayment. Although the payments were a little harsh at the time, we hung in there and in today’s market, our equity has grown by almost $200,000. We think Dave is a guru.


Find answers to commonly asked questions about mortgages.

Mortgage rates fluctuate based on market conditions and individual financial profiles. Rates that are available today might not be available tomorrow, and what works for one person might not work for another. I stay updated on rate changes to find the best options for you.

Buying your first home can be overwhelming. I provide expert guidance through every step of the process, helping you understand your options and secure the best possible mortgage deal.

Refinancing involves replacing your existing mortgage with a new one, typically to get a better interest rate, access equity, or change your loan terms. It can lower your monthly payments, save you money over time, and provide funds for other expenses.

A: A second mortgage is an additional loan taken out against your home’s equity. It can be a good option if you need extra funds for renovations, investments, or debt consolidation.

Debt consolidation involves combining multiple debts into a single mortgage. This can simplify your finances by reducing the number of payments you need to make and potentially lowering your overall interest rate.

A HELOC allows you to borrow against your home’s equity. It offers flexibility since you can draw funds as needed and pay interest only on what you borrow. It’s ideal for expenses like renovations, education, or emergencies.

A reverse mortgage is available to homeowners aged 55 and older. It lets you convert part of your home’s equity into tax-free cash without selling your home, providing financial freedom and flexibility.

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