TYLER TROMPETTER

Mortgage Professional

Let's work together to get you the 

best mortgage available.

 

GET IN TOUCH

TYLER TROMPETTER

Mortgage Professional

I’m Tyler Trompetter, a true Mortgage Professional with over a decade of experience in helping homeowners with their Mortgage needs. I began my career working at one of Canada’s largest banks, an invaluable experience that taught me the entire mortgage process from start to finish. The Canadian Mortgage market is constantly changing; transitioning from Banker to Broker has helped me to navigate these constant changes to better serve my clients.

I've built my career on helping Canadians get mortgage financing when their bank simply turned them down or perhaps did not provide the service they deserved. Be it the Self-Employed, New to Canada, First Time Home Buyer, Experienced Investor or Credit Challenged clientele, I've always found a way to say 'Yes' when the banks say 'No'.

As a Mortgage Broker I work to educate, advise, and empower clients throughout the (sometimes!) challenging journey that is mortgage financing. My lender access, product acumen, and industry experience help to tailor custom mortgage solutions to even the most challenging of cases.


In 2020 I was awarded as one of Canadian Mortgage Professionals Rising Stars for 2020 (Previously the "Young Guns" award).


If I'm not busy helping people with their mortgages you'll find me adventuring outside, travelling or working with the Live Like Ben Foundation. Read more about our community projects at livelikeben.net.

Steps in the process...

STEP ONE
Start the conversation. 

The best place to start is to connect with me directly. The mortgage process is personal, and it can be daunting. My commitment to you is that I'll listen to all your needs, assess your financial situation, and provide you with a plan to move forward. 

STEP TWO
Choose the best option. 

Once we’ve had a look at your financial situation, we’ll consider a variety of mortgage options, I’ll outline what documents are necessary to qualify for a mortgage, negotiate with the lenders on your behalf, and arrange the mortgage that best suits your needs.

STEP THREE
Sit back and relax. 

Once we’ve arranged the mortgage product that best suits your needs, you’re not alone. I’m your mortgage professional for life. If you’ve got questions in the years to come, I’m always available to make sure that your mortgage is working for you, and not the other way around!

LENDERS

I've developed excellent relationships with many lenders across the country. 

Let's figure out which one has the best product for you. 

SERVICES

With over 40 lenders (and counting) in my database, finding a tailored fit mortgage solution that suits your needs is my main goal. Working with a Mortgage Broker can not only save you money and stress, but perhaps most importantly - time. Searching for the right mortgage can be exhausting. Enlisting the professional services of a licensed Mortgage Broker can take out all of the guess work of finding the right mortgage for you. 

Buying a Home

When preparing for the largest financial decision of your life you want to be sure to have all options available to you. Working with a Mortgage Broker with access to over 40 different lenders ensures you have all the cards on the table to make the best decision to fit your needs. 

​

Be your first time or your tenth, buying a home can be a challenging process. Enlisting the services of a mortgage professional will make the process seamless and efficient. Give me a call to find out how I can help you shop with confidence.


Refinancing

Want to put your hard earned home equity to work? Perhaps you want to consolidate some of your high interest debt, buy an investment or vacation property, invest in a business, or renovate your home.. whatever the reason lets chat about how we can put some of the equity you've earned in your home to work. 

​

Mortgage rates are still attractive and with such large gains in home values over the years there may be more money in your home than you realize.

First Time Home Buyers

First time buyer? This process can be confusing, scary, and downright emotional at times - but it doesn't have to be. 

​

If you find yourself wondering how much can I afford? How much do I need to put down? How does my credit score effect my purchasing power? Feel free to reach out and let me help walk you through the process of pre-approval to home ownership. Often times a 20 minute chat can help to answer all of your questions or concerns.

Self-Employed

Self Employed? Me too. ​

This segment of the mortgage market has undergone some drastic changes over the years, and while it can sometimes feel like the banks discriminate against your income, I work with a number of lenders that have programs designed with your income structure in mind.

 

Whether you are a sole proprietor, or you use a corporation to reduce your income or taxes I specialize in working with business owners and professionals whose income isn't so black and white. 

Home Equity Loans

Have you realized significant appreciation in the value of your home and are looking at tapping into that equity? There are a number of "Low Document" products available out there that can get you quick and seamless access to your equity for whatever your personal goals may be.

 

Be wary of TV and radio advertising in this space as there are almost always more favourable terms given to mortgage professionals with the right lender access.


Troubled Credit

I operate under total confidentiality, no matter your situation. I am, for lack of a better term, "the vault" when it comes to your personal financial history. Life happens, and this shouldn't prevent you from owning a home or getting the help you need to get out of a tough situation. I work with my clients to get their credit back on track be it through a refinance, setting up pre-paid credit card to rebuild credit, or through credit coaching. No matter the situation, there is almost always a solution to explore.

TESTIMONIALS

John Doe's Image
I just purchased my first home and so I needed ALOT of hand holding when it comes to mortgages. Tyler went above an beyond to make sure I understood what I was getting into, basically giving me a crash course on the topic. On top of that, he hunted around until the last min to make sure I got the best possible rate. Very professional, knowledgeable and friendly.

Highly recommend and will come back next time I need a mortgage or refinance.

Sonia Ghog

John Doe's Image
He is the absolute number one & BEST mortgage broker in BC Canada! He helped us with our first time home purchase this year. Honestly speaking, I never though I'd be able to get the mortgage approval from a major bank -- However with his magic I got not only an OK from the A Bank but also with the best rate I could get!

Tyler really went above and beyond more than one occasions and this made me feel supported.. also, he was super responsive even I asked him a dumb question and explain it to me until I fully understand. Even now, he always ends his email with 'If you ever had any questions feel free to reach out!' which represents he's such a responsible person and provides an excellent customer services...

If you ever have a chance to work with him, you will know. He will makes everything possible and you will be pleased to work with him. :) We love our home and lots of that is thanks to Tyler! Cheers!

Olivia Cho

John Doe's Image
Tyler made the process of buying our first home so much easier. His advice and knowledge made us feel comfortable with the process. He is so nice and truly does go above and beyond for his clients. He was always easy to get ahold of and quick to respond to any questions we had. When we buy our next place in the future, we will definitely be using Tyler again. I have no problem recommending him to all my friends and family!

Thanks so much Tyler for your hard work, we really really appreciate it! :)

Kaylee Raymond

John Doe's Image
Tyler is unreal! I worked in Real Estate for over 8 years and by far this guy is the best I have ever come across! We had a mess of a deal and he pulled though and got the deal done. He even helped the buyer of my property out when she was is a VERY bad position. He was the glue that held our deal together. No matter if I emailed him at 8 am or 11 pm he would always get back to me right away! One thing I admire the most about him is his honesty, he was always was upfront and clear and gave us good information.

Thank you Tyler for everything you did, we will continue to spread the word about how amazing you are! Without you we probably wouldn't have scored our dream home.

Kristi Maier

John Doe's Image
Tyler worked hard to get us financing for a new home purchase in a difficult market. And he found a way to let us keep our current home while we did renovations when our bank of 40 years said no.

Knowledgable, very nice, responsive and always working to get us a good deal. Definite recommend!

Andrew Samuel

NEED MORE INFORMATION?

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.

LEARN MORE ABOUT MORTGAGES

How to Save Money for a Downpayment

By Tyler Trompetter • August 14, 2025
Whether you want to set aside money to buy a car or take a vacation, save up for a down payment on a property, or plan for your retirement, the principles are the same. However, as you’re reading this article on a website dedicated to helping you secure mortgage financing, we’ll assume you want tips on how to save for a down payment! The key to saving money is getting clarity - clarity around your income and your expenses, developing and following a clear plan, and seeking help from professionals who can help you see the big picture as well as the details. Although this might seem fundamental, sometimes going back to basics is the best place to start. Assess your income. If your goal is to save money, you’ll need to identify just how much money you’ve got to work with! The best way to do this is to write everything down. This could be with paper and a pen or on a spreadsheet; whichever way works best for you is fine. The goal is to have all your income in front of you! If you’re on a fixed income or receive a salary for work, your calculations might be pretty simple. Use the income you actually take home, not your gross income. Include an average of your variable income sources like tips, overtime, bonuses, or shift differentials. You should also include other income sources like an annual tax return, and child tax or other government benefits. Spend time to make an exhaustive list of all your income sources. Track your expenses. Once you’ve identified what you have to work with on the income side, the next step is to figure out just how much you actually spend to maintain your current lifestyle. Start by identifying regular bills, then look at your discretionary spending. If you have a budget already in place, you should be able to identify these numbers easily. If not, you can expect that getting clarity around your expenses will be very enlightening. It will be helpful to look through a few months’ worth of bank statements to see just how much money you actually spend. Information is the key to finding clarity. The more information you have, the more equipped you will be to save money. Just like your income, write down all your expenses. This will allow you to assess and reprioritize where you spend your money. Develop and follow a plan. Once you have a clear picture of your income and expenses, you need to figure out how to make more money than you spend. Although that sounds so simple, it really isn’t. The majority of Canadians incur debt because they spend more money than they make. This is why saving money can be so hard. But if we’re going back to basics, remember this: if you’re spending more money than you're making, you need to either increase your income or decrease your expenses to start saving money. There are countless money-saving strategies on the internet; consider following a few financial bloggers, and have fun learning about what works best for you! Seek help from professionals. You’re probably here to learn about how to save money for a down payment because you want to buy a home soon. If that's the case, be assured you're in the right place. Putting together a plan to secure mortgage financing is one plan you don't have to make on your own. As independent mortgage professionals, it’s our job to help you navigate all aspects of mortgage financing. Just like saving for a down payment is about managing income and expenses, so is getting a mortgage. Income and expenses, along with credit and property, are what a lender looks at when assessing your suitability for a mortgage. So while you might assume that putting together a plan to save for a down payment is where you should start, it might not actually be the best place to start. Saving money takes time, and while you're doing that, there are many other things you could be doing at the same time, like building credit to increase your chances of qualifying for a mortgage sooner. When you’re ready to assess your financial situation and put together a plan to save for a down payment and get into a mortgage sooner, please get in touch. It would be a pleasure to work with you.

An Overview of the Home Buying Process

By Tyler Trompetter • July 31, 2025
If you’re in the early stages of planning to buy either your first home or your next home, you’ve come to the right place! Even if you’ve been through it before, the home buying process can be daunting, but it doesn’t have to be when you have the right people on your side! The purpose of this article is to share a high-level view of the home buying process. Obviously, the finer details can be addressed once you’ve submitted an application for pre-approval. But for now, here are some of the answers to general questions you may have as you work through your early preparations. Are you credit-worthy? Having an established credit profile is essential when applying for a mortgage. For your credit to be considered established, you’ll want to have a minimum of two trade lines (credit cards, loans, or lines of credit) with a minimum limit of $2500, reporting for a period of at least two years. From there, you’ll want to make sure that your debt repayment is as close to flawless as possible. Think of it this way: Why would a lender want to lend you money if you don’t have a history of timely repayment on the loans you already have? Making your payments on time, as agreed, is crucial. We all know, however, that mistakes can happen and payments might get missed. If that's the case, it’s best to catch up as quickly as possible! Late payments only register on your credit report if you're past due by 30 days. How will you make your mortgage payments? When providing you with a mortgage, lenders are trusting you with a lot of money. They'll want to feel really good about your ability to pay that money back, over an agreed period of time, with interest. The more stable your employment, the better chances you have of securing mortgage financing. Typically, you’ll want to be employed in a permanent position or have your income averaged over a period of two years. If you’re self-employed, expect to provide a lot more documentation to substantiate your income. How much skin do you have in the game? If you're borrowing money to buy a home, you’re going to have to bring some money to the table. The best down payment comes from accumulating your own funds supported by documents proving a 90-day history in your bank account. Other down payment sources, such as a gift from a family member or proceeds from another property sale, are completely acceptable. In Canada, 5% down is the minimum requirement. However, depending on the purchase price, it might be more. Also, you need to be aware that you will likely have to prove access to at least 1.5% of the purchase price to be allocated for closing costs. How much can you afford? Here’s the thing. What you can afford on paper and what you can afford in real life are often very different amounts. Just because you feel you can afford the proposed mortgage payments, know that you will have to substantiate everything through documentation. The amount you actually qualify to borrow is based on many factors, certainly too many to list in an article designed to provide you with an overview of the home buying process. However, with that said, it’s never too early in the home buying process to seek professional advice. Our services come at no cost to you; it would be our pleasure to help. Working with an independent mortgage professional will allow you to assess your credit-worthiness, provide insight on how a lender will view your income, help you plan for a down payment, and nail down exactly how much you can afford to borrow. And if you need help putting together a plan to improve your financial situation, we can do that too. If you’d like to discuss your financial situation and put together a plan to secure mortgage financing, please get in touch!

Buying a Vacation Home? Here’s What You Need to Know

By Tyler Trompetter • July 22, 2025
The idea of owning a vacation home—your own cozy escape from everyday life—is a dream many Canadians share. Whether it’s a lakeside cabin, a ski chalet, or a beachside bungalow, a second property can add lifestyle value, rental income, and long-term wealth. But before you jump into vacation home ownership, it’s important to think through the details—both financial and practical. Start With Your 5- and 10-Year Plan Before you get swept away by the perfect view or your dream destination, take a step back and ask yourself: Will you use it enough to justify the cost? Are there other financial goals that take priority right now? What’s the opportunity cost of tying up your money in a second home? Owning a vacation home can be incredibly rewarding, but it should fit comfortably within your long-term financial goals—not compete with them. Financing a Vacation Property: What to Consider If you don’t plan to pay cash, then financing your vacation home will be your next major step. Mortgage rules for second properties are more complex than those for your primary residence, so here’s what to think about: 1. Do You Have Enough for a Down Payment? Depending on the type of property and how you plan to use it, down payment requirements typically range from 5% to 20%+ . Factors like whether the property is winterized, the purchase price, and its location all come into play. 2. Can You Afford the Additional Debt? Lenders will calculate your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to assess whether you can take on a second mortgage. GDS: Should not exceed 39% of your income TDS: Should not exceed 44% If you’re not sure how to calculate these, that’s where I can help! 3. Is the Property Mortgage-Eligible? Remote or non-winterized properties, or those located outside of Canada, may not qualify for traditional mortgage financing. In these cases, we may need to look at creative lending solutions . 4. Owner-Occupied or Investment Property? Whether you’ll live in the home occasionally, rent it out, or use it strictly as an investment affects what type of financing you’ll need and what your tax implications might be. Location, Location… Logistics Choosing the right vacation property is more than just finding a beautiful setting. Consider: Current and future development in the area Available municipal services (sewer, water, road maintenance) Transportation access – how easy is it to get to your vacation home in all seasons? Resale value and long-term potential Seasonal access or weather challenges What Happens When You’re Not There? Unless you plan to live there full-time, you'll need to consider: Will you rent it out for extra income? Will you hire a property manager or rely on family/friends? What’s required to maintain valid home insurance while it’s vacant? Planning ahead will protect your investment and give you peace of mind while you’re away. Not Sure Where to Start? I’ve Got You Covered. Buying a vacation home is exciting—but it can also be complicated. As a mortgage broker, I can help you: Understand your financial readiness Calculate your GDS/TDS ratios Review down payment and lending requirements Explore creative solutions like second mortgages , reverse mortgages , or alternative lenders Whether you’re just starting to dream or ready to take action, let’s build a plan that gets you one step closer to your ideal getaway. Reach out today—it would be a pleasure to work with you.
Show More

CONTACT ME

Choose the most convenient method to get in touch and we'll get started right away. 

Port Moody Location

220 Brew St Suite 801

Port Moody, BC

V3H 0H6


White Rock Location

2383 King George Blvd #214

Surrey, BC

V4A 5A4

Contact Us