Mortgage Broker Locations in BC and Alberta
Three mortgage broker offices, two provinces, one secure dashboard. Visit us in Kelowna, Surrey, or Calgary — or meet your broker online from anywhere in British Columbia or Alberta. Every broker is licensed with BCFSA or RECA and you can verify licence status on the public registries.
Last updated: April 30, 2026 · Reviewed by Dinah Caporusso, Mortgage Broker
Trust & Transparency
Why does a local mortgage broker office matter?
A local mortgage broker office matters because mortgage lending varies by province, property type, and local market norms. Our Kelowna office understands Okanagan vacation-property and retirement-income files; our Surrey studio handles Fraser Valley new-construction and suite-income qualifying; our Calgary planning lab navigates Alberta's non-recourse rules and oil-and-gas employment underwriting. Three offices mean local knowledge in the markets where our clients actually buy — not a call-centre broker reading from a national rate sheet.
Primary references
Related Pragmatic pages
Service areas
Three markets, one broker team
Each office covers a distinct region with mortgage expertise that matches the local property types, lender appetite, and borrower profiles.
Kelowna Mortgage Office
Okanagan Valley
From downtown Kelowna condos to Lake Country acreages and Big White recreational properties, our Kelowna team handles purchase, renewal, refinance, and vacation-property mortgages across the Central Okanagan. Kelowna-specific lending knowledge matters when the property is lakefront, acreage, or retirement-income funded.
Covers: Kelowna, West Kelowna, Peachland, Lake Country, Vernon, Penticton
View Kelowna Mortgage OfficeSurrey Advisory Studio
Fraser Valley & Lower Mainland
Surrey's fast-growing market — new-construction presales, basement-suite homes, multi-generational properties — needs a broker team that understands builder timelines, suite-income rules, and co-borrower structures. Our Surrey advisory studio covers the Fraser Valley from Delta to Chilliwack.
Covers: Surrey, Delta, White Rock, Langley, Abbotsford, Chilliwack
View Surrey Advisory StudioCalgary Planning Lab
Alberta
Calgary's market operates differently from BC — more variable-rate adoption, oil-and-gas employment underwriting, non-recourse mortgage rules, and stronger investment-property cap rates. Our Beltline planning lab covers Calgary and serves all Alberta remotely under RECA licence.
Covers: Calgary, Airdrie, Cochrane, Okotoks, Chestermere, Edmonton (virtual)
View Calgary Planning LabOffice proof
Real offices, real licences, real local presence
Three physical locations with provincial licensing. Every broker is licensed with BCFSA or RECA — click the licence links to verify on the public registries.
BCFSA-licensed
Three physical offices
Kelowna, Surrey, and Calgary — not a virtual-only brand
Province-wide coverage
BC and Alberta — in-person or fully remote mortgage planning
Secure client dashboard
Document uploads, e-signatures, rate holds, messaging — all in one place
Find us
Visit, call, or book online
Get directions, check office hours, or start your mortgage planning from the location most convenient for you. All three offices share the same secure client dashboard.
Office map
Kelowna Mortgage Office
1915 Foxtail Terrace, Kelowna, BC V1P 1T9
Phone: +1 (778) 557-2144
Email: kelowna@pragmatic.mortgage
Hours: Mon–Fri 9:00–18:00 / Sat 10:00–16:00
Regulator: BC Financial Services Authority — X301089
Surrey Advisory Studio
15350 34 Ave Suite 301, Surrey, BC V3S 0L9
Phone: +1 (778) 557-2144
Email: surrey@pragmatic.mortgage
Hours: Mon–Fri 9:00–18:00 / Sat 10:00–14:00
Regulator: BC Financial Services Authority — X301089
Calgary Planning Lab
517 10 Ave SW, Calgary, AB T2R 0A8
Phone: +1 (778) 557-2144
Email: calgary@pragmatic.mortgage
Hours: Mon–Fri 8:30–17:30
Regulator: Real Estate Council of Alberta — Public registry verification
Google reviews
Borrowers trust the team behind the location
Recent Google reviews from clients who met with their broker in Kelowna, Surrey, or Calgary — or completed everything online through the secure dashboard.
Melody Gacad
Jan 2023
They are so friendly and they helping you to get a good deal..the process is always on time..thank you so much Kyle Wilson and the whole team to helping us to make it happen..
Brendan McCaskell
Mar 2021
Kyle is Amazing. Great mortgage broker to help you through!
Victor Hugo Cobian
Dec 2020
Kyle and his team are absolutely amazing! We highly recommend Pragmatic Lending. We are first time home buyers and self employed, plus with everything going on with COVID-19, there were a lot of challenges to overcome in...
Brittany Jeffries
Oct 2019
Kyle was extremely helpful and very efficient. He had a couple different options for our mortgage within 24 hrs and continued to look for options for the next few days. His communication was amazing. We would definitely...
Desmond Baron
Feb 2018
Very happy with Kyles help. Explained my options well and gave me time limits to decide on them for my best interest, I appreciate that. Also told me pros and cons to waiting or going early. Gave me more explanation and...
Kyle Newton
Nov 2019
At my request, worked with me almost entirely via text messages and email. Was available when I had questions and was fairly quick to respond. Patiently answered any questions I had. Definitely recommended.
FAQ
Questions about our mortgage broker offices
Quick answers about visiting, booking, and choosing which office fits your situation.
Do I need to visit a mortgage broker office in person?
Which location should I choose if I live in a smaller BC or Alberta city?
Are your mortgage brokers licensed in both BC and Alberta?
How do I book a consultation at a specific office?
Ready to plan your mortgage?
Book a consult at any of our three offices or meet online. Same licensed broker team, same secure dashboard — in Kelowna, Surrey, Calgary, or from anywhere in BC or Alberta.