TYLER TROMPETTER

Mortgage Professional

Let's work together to get you the 

best mortgage available.

 

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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. 

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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. 

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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. 

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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 Establish New Credit

By Tyler Trompetter • September 11, 2025
If you’re new to managing personal finance and you want to learn about credit, you’ve come to the right place. Establishing new credit is a bit of a catch-22. To build a credit history, you need credit. But it’s hard to get credit without having a credit history. So, where do you start? Well, the first thing you should know is that building credit takes time. It’s not something that happens overnight. If you’re looking to secure mortgage financing, you will want to have a minimum of two trade lines (credit cards, loans, or lines of credit) with a minimum limit of $2500, reporting for at least two years. If you don’t have any credit yet, the best time to get started is right now. However, that may be difficult because, as we've already identified, without a credit history, most lenders won’t feel confident about taking a chance on you. What’s the solution? Consider a secured credit card. With a secured credit card, you make a deposit upfront that matches the amount you want to borrow. A reasonable amount would be $1000 deposited on a single secured credit card. You then use your secured credit card to make household purchases and regular utility payments, paying off the total balance each month. If you default on the money borrowed for whatever reason, the lender will retain the money you put up as collateral. When looking for a secured credit card, be sure to ask whether they report to the two nationwide credit bureaus, Equifax and TransUnion. If the credit card company doesn't report, the credit card account will be useless for your purposes; move on until you find a company that reports to both credit bureaus. Once your secured credit card begins reporting to the credit bureaus, you begin to have a credit score; usually, this takes about three months. Now you can start to seek out a second trade line in the form of an unsecured credit card. Don’t forget to ensure that this card reports to both of the credit reporting agencies. Another option at this point could be a car loan. From here, you simply want to make all your payments on time! But what happens if you’re looking to secure mortgage financing before you have a fully established credit report? Well, if you have someone who would consider co-signing, you can certainly go that route. The mortgage application will depend on their income and credit report, but your name will be on the mortgage. Hopefully, when the mortgage is up for renewal, you’ll have the established credit required to remove them from the mortgage and qualify on your own. Although establishing credit takes a minimum of two years, it really begins with putting together a plan. If you’d like to discuss anything credit or mortgage-related, please get in touch!

4 Ways to Access Your Home Equity

By Tyler Trompetter • August 28, 2025
If you've been a homeowner for many years, it is likely your property value has increased significantly. One advantage of homeownership is the opportunity to build equity. Home equity growth, partnered with the security of living in your own home, is why most Canadians believe homeownership is the best choice for them! While home equity is one of your greatest assets, accessing home equity is often overlooked when putting together a comprehensive financial plan. So if you’re looking for a way to access some of your home equity, you’ve come to the right place! Simply put, home equity is the actual market value of your property minus what you owe. For instance, if your home has a market value of $650k and you owe $150k, you have $500k in home equity. If you want to stay in your home but also access the equity you have built up over the years, there are four options to consider. Conventional Mortgage Refinance Assuming you qualify for the mortgage, most lenders will allow you to borrow up to 80% of your property’s value through a conventional refinance. Let’s say your property is worth $500k and you owe $300k on your existing mortgage. If you were to refinance up to 80%, you would qualify to borrow $400k. After paying out your first mortgage of $300k, you’d end up with $100k (minus any fees to break your mortgage) to spend however you like. Even if you paid off your mortgage years ago and own your property with a clear title (no mortgage), you can secure a new mortgage on your property. Reverse Mortgage A reverse mortgage allows Canadian homeowners 55 or older to turn the equity in their home into tax-free cash. There is no income or credit verification; you maintain ownership of your home, and you aren't required to make any mortgage payments. The full amount of the mortgage will become due when you decide to move or sell. Unlike a conventional mortgage refinance, reverse mortgages won’t allow you to borrow up to 80% of your home equity. Rather, you can access a lesser amount of equity depending on your age. The interest rates on a reverse mortgage can be slightly higher than the best rates currently being offered through standard mortgage financing. However, the difference is not outrageous, and this is an option worth considering as the benefits of freeing up cash without mortgage payments provides you with increased flexibility. Home Equity Line of Credit (HELOC) A Home Equity Line of Credit allows you to set up access to the equity you have in your home but only pay interest if you use it. Qualifying for a HELOC may be challenging as lender criteria can be pretty strict. Unlike a conventional mortgage, a HELOC doesn't usually have an amortization, so you're only required to make the interest payments on the amount you've borrowed. Second Position Mortgage If the cost to break your mortgage is really high, but you need access to cash before your existing mortgage renews, consider a second mortgage. A second mortgage typically has a set amount of time in which you have to repay the loan (term) as well as a fixed interest rate. This rate is usually higher than conventional financing. After you have received the loan proceeds, you can spend the money any way you like, but you will need to make regular payments on the second mortgage until it's paid off. If you’re looking for a way to access the equity in your home to free up some cash, please get in touch. You’ve got options, and we can work together to find the best option for you!

From Summer Shine to Fall Fine: Smart Home Projects to Tackle Before the First Frost

By Tyler Trompetter • August 28, 2025
As patios wind down and pumpkin spice ramps up, fall is the perfect reset for your home—and your homeowner game plan. These quick wins boost comfort, curb appeal, and efficiency now, and set you up for a low-stress winter (and a strong spring market). 1) Safety & “silent leak” checks (Weekend-ready) Clean gutters & downspouts. Add leaf guards where trees overhang. Roof scan. Look for lifted shingles, cracked flashings, or moss. Seal the shell. Re-caulk window/door trim; replace weatherstripping. Test alarms. New batteries for smoke/CO detectors; add one near bedrooms. Why it matters: Prevent water intrusion and heat loss before storms roll in. 2) Heat smarter, not harder Furnace/boiler tune-up and filter change. Smart thermostat with schedules and geofencing. Draft hunt. Foam gaskets behind outlets, door sweeps on exterior doors. ROI tip: Efficiency upgrades lower monthly bills and can improve lender ratios if you’re eyeing a refinance later. 3) Fall-proof your yard (so spring you says “thanks”) Aerate + overseed + fall fertilize for thicker turf next year. Trim trees/shrubs away from siding and power lines. Mulch perennials and plant spring bulbs now. Shut off/bleed exterior taps and store hoses to avoid burst pipes. 4) Extend outdoor season (cozy edition) Portable fire pit or propane heater + layered blankets. Path/step lighting for darker evenings (solar or low-voltage). Weather-resistant storage for cushions/tools to preserve value. Neighborhood curb appeal: Warm lighting and tidy beds make a big first impression if you list in shoulder season. 5) Water management = winter peace of mind Re-grade low spots and add downspout extensions (2–3+ metres). Check sump pump (and backup). Look for efflorescence or damp corners in the basement. 6) Mini-renos that punch above their weight Entry/mudroom upgrade: hooks, bench, boot trays, closed storage. Laundry room tune-up: counter over machines, sorting bins, task lighting. Kitchen refresh: new hardware, tap, and under-cabinet lighting in one afternoon. Budget guide: Many of these land under a micro-reno budget—perfect for a modest line of credit. 7) Indoor air quality tune-up Deep clean vents and dryers (including the rigid duct). Add door mats (exterior + interior) to catch grit/salt. Houseplants or HEPA purifier for closed-window months. Fast Timeline (pin this to the fridge) Late August–September Gutters/downspouts, roof/caulking, HVAC service, lawn care, plant bulbs, exterior tap shut-off plan, path lighting. October Weatherstripping/sweeps, fire pit setup, organize mudroom/garage, test alarms, sump check, downspout extensions, dryer vent cleaning. Financing smarter: make your mortgage work for your home Annual mortgage check-in. As rates, income, and goals evolve, a quick review can free up cash flow or open options for a small fall project budget. HELOC vs. top-up refinance. For bite-size projects, a HELOC can be flexible. For bigger renos you plan to pay down, a top-up refi might make more sense. Bundle & prioritize. Knock out the high-impact, low-cost items first (air sealing, safety, water management) before the cosmetic upgrades. Not sure which route fits your fall plans? We’ll run the numbers and map the best financing path for your specific budget and goals. Quick Checklist (copy/paste) ☐ Clean gutters/downspouts; add guards ☐ Roof & flashing visual check ☐ Re-caulk, weatherstrip, add door sweeps ☐ HVAC service + new filter ☐ Aerate/overseed/fertilize; trim trees; plant bulbs ☐ Path & entry lighting ☐ Drain/bleed outdoor taps; store hoses ☐ Downspout extensions; sump test ☐ Dryer vent cleaning ☐ Mudroom/garage organization ☐ Schedule mortgage review / discuss HELOC vs refi Ready to make fall your low-stress season? Book a quick fall mortgage check-up—15 minutes to see if a small credit line or a tweak to your current mortgage could cover your priority projects without straining cash flow.
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Port Moody Location

220 Brew St Suite 801

Port Moody, BC

V3H 0H6


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2383 King George Blvd #214

Surrey, BC

V4A 5A4

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