Fraser Valley

Mortgage Professionals

Luisa & Candice Mortgages 

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Luisa Hough

Luisa’s career as a committed mortgage professional spans over 17 years during which time she has helped thousands of Canadians achieve homeownership. Having established a sound reputation for excellence and outstanding service, her astute and genuine approach has allowed her to build and cultivate a trusted clientele and quality referral network. 

During Luisa’s tenure and as co-founder of one of the most highly respected mortgage companies in Canada and the industry, Verico Xeva Mortgage, she has been instrumental in its continued growth and success through her drive and passion, as well as her solid work ethic and commitment to transparency. This has earned her multiple accolades over the years including Broker of The Year 2016 & 2021, Finalist-Broker of the Year 2013-2021 respectively, Top 75 Broker Nationally for 10 years consecutively, and CMP Magazine’s 2020 & 2021 Hot List. Lastly and most distinctly, by virtue of Luisa’s strong, inspiring leadership, supportive nature, and warm professional manner, she received the Women of Influence distinction in both 2018 & 2020 becoming a trailblazer for many women seeking to emulate the same achievements. As such, Luisa has been invited to share her best practices and collaborate at many different industry events continuously raising the bar and elevating the industry to higher standards. Luisa has helped shape Xeva Mortgage to include a solid infrastructure and unique underwriting center attributing to this consistent success and overall growth. 



It’s through Luisa’s resolute process of educating clients and having a great eye for detail, where she can focus on building her client’s financial journey and providing a professional service throughout the life of the mortgage, ultimately assisting Canadians in achieving their full financial goals. 


There have been countless changes industry-wide over recent years, notwithstanding, Luisa has been able to achieve a strong and healthy balance between work and family life. Ongoing investment in herself and her personal development is what she attributes to her success both personally and professionally. This has also allowed her to tap into her philanthropic side as she has an incredible passion for charitable endeavors and strongly desires to give back to many initiatives in need. Being a regular donor to the BC Children’s Hospital and her own Pay it Forward campaign, Luisa is also an active member of Habitat for Humanity, 100 Brokers Who Care, and Women of Options. Her shared compassion with 50 other top influential women in Surrey, BC supports the Women of Options Organization in securing affordable housing for women of varying age groups and demographics who may otherwise find themselves homeless. As Luisa continues to grow both professionally and personally, so too does her desire to continue helping those around her who are in need. 


Luisa continually inspires others,
has an innovative and open spirit for everyone to learn and share, allowing her to continue making connections with her fellow colleagues and industry leaders for years to come. 

Candice Liberatore

Whether you’re in the market for a new home, considering refinancing, or renewing your mortgage, I'm here to help you find the perfect mortgage product tailored to your needs. As a Mortgage Broker at Xeva, I specialize in offering the most innovative home financing solutions available today.


With over 23 years of experience at a major Canadian bank, I have assisted clients like yourself with a wide range of financial needs, including lending, financial planning, advisory services, and commercial banking. Over the past decade, my focus has been on providing expert mortgage advice, recognized for its ethical integrity and exceptional customer service.


My ultimate goal is to ensure your mortgage experience is positive and seamless, inspiring you to confidently refer me to your family, friends, and colleagues. Take advantage of a no-obligation review of your situation—because the right mortgage can significantly impact your wealth and savings. I eagerly anticipate providing you with honest insights and guidance to achieve your homeownership and financial security goals.


On a personal note, I cherish spending time with my husband, four children, and our beloved COVID dog named "Dr" Henry. I'm an avid sports enthusiast, enjoy cooking, and appreciate a good glass of wine. Feel free to reach out anytime—it would be my pleasure to assist you!

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Are you looking to buy a new home, refinance or renew an existing mortgage?


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Home Purchase

If you are looking to purchase a property in Vancouver or surrounding areas, understanding all the mortgage options available to you can seem overwhelming. The market is hot and having a clear plan is a must. That’s where we come in. We do this every day, and we love it. We will help you make sense of all the numbers and provide you with options that make sense to you so you can shop with confidence. Contact us anytime!

Renewal or Refinance

Whether your mortgage is up for renewal within 120 days and you are looking to get the best available mortgage product for your next term, or you are mid-term looking to access some of the equity in your property to start a new business, we should talk! If you already own a home and want to make sure you have the best mortgage in place, please contact us anytime! Regardless of your situation, we have the knowledge, experience, and desire to make sure you are completely taken care of.

Repeat or New Clients

If you are an existing client of ours, we are excited to continue working with you to make sure you have the best mortgage product available to you at any time. Please drop a note in the contact box at the bottom of this page, even if it’s just to say hello! However, if you have never used our services, we are currently taking on new clients and would love to offer you the same level of service all our existing clients receive. To see what others have said about us, consider checking out the testimonials section below!

55+ and looking for solutions to enhance your lifestyle?

I offer multiple options including Reverse Mortgages, HELOC, standard and private financing to find the right retirement mortgage option for you.

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I keep my blog updated regularly so you can stay informed


By Luisa & Candice Mortgages July 9, 2025
You’d think an online calculator is a pretty straightforward device, one that you should be able to place your confidence in, and for the most part, they are. Calculators calculate numbers. The numbers are reliable, but how you interpret those numbers, not so much, especially if the goal is mortgage qualification. If you rely on the numbers from a “What can I afford” or “Mortgage Qualification” calculator without talking to an independent mortgage professional, you’re going to be misinformed. Don’t be fooled. Even though an online mortgage calculator can help you calculate mortgage payments or help you assess how additional payments would impact your amortization, they’ll never be able to give you an exact picture of what you can afford and how a lender will consider your mortgage application. While mortgage calculators are objective, mortgage lending isn’t. It’s 100% subjective. Lenders consider your financial situation, employment, credit history, assets, liabilities, the property you are looking to purchase. Then, they will compare that with whatever internal risk profile they are currently using to assess mortgage lending. Simply put, they don’t just look at the numbers. An online calculator is a great tool to help you run different financial scenarios and help assess your comfort level with different payment schedules and mortgage amounts. However, if you rely on an online calculator for mortgage qualification purposes, you’ll be disappointed. The first step in the mortgage qualification process is a preapproval. A preapproval will examine all the variables on your application, assess your financial situation, and provide you with a framework to buy a property based on your unique circumstance. Securing a preapproval comes at no cost to you and without any obligation to buy. It’ll simply allow you the freedom to move ahead with confidence, knowing exactly where you stand. Something a calculator is unable to do. Please connect anytime if you’d like to talk more about your financial situation and get a preapproval started. It would be a pleasure to work with you.
By Luisa & Candice Mortgages July 8, 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.
By Luisa & Candice Mortgages July 2, 2025
Although it’s ideal to have your mortgage paid off by the time you retire, that isn’t always possible in today’s economy. The cost of living is considerably higher than it has ever been, and as a result, many Canadians are putting off retirement, hoping to make just a bit more money to add to that nest egg. So if you find yourself in the position where you’re considering your mortgage options into retirement, you’ve come to the right place. The advantage of working with an independent mortgage professional instead of a single bank is choice. When you work with an independent mortgage professional, you won’t be limited to an individual institution’s products; rather, you will have access to considerably more options. Here are some options available to older Canadians as they plan for mortgage financing through their retirement. Standard Mortgage Financing If you’ve got a steady income, decent credit, and equity in your home, there is no reason you shouldn’t qualify for standard mortgage financing, which usually comes at the lowest interest rates and best terms. Some lenders use pension and retirement income to support your mortgage application even if you’ve already retired. Reverse Mortgage Financing A reverse mortgage allows Canadian homeowners 55 years and older to borrow money from their homes with no proof of income, no credit check, and no health questions. A reverse mortgage is a fabulous mortgage solution that has helped thousands of older Canadians enhance their lifestyle. Home Equity Line of Credit (HELOC) A line of credit secured to the equity you have in your home is an excellent tool to allow you to access money when you need it but not pay interest if you don’t need it. Many older Canadians like the idea of rolling all their expenses and income into one account. Private Financing If you happen to be in a bit of a tight spot, you have a plan but need a financial solution; private financing might be the answer. Indeed not the first choice for many because of the higher interest rates. However, private financing can provide you with options where a traditional bank can’t. If you have any questions about securing mortgage financing for your retirement, please connect anytime. It would be a pleasure to work with you and walk you through all your options.
MORE FROM THE BLOG

Videos

If you are new to the mortgage process, here are a couple of videos to help you get started.


Awards


Recent Awards

  • 2021 Canadian Mortgage Awards Winner- Mortgage Broker of the Year
  • 2020 Canadian Mortgage Awards Finalist - Mortgage Broker of the Year
  • 2019 Canadian Mortgage Awards Finalist - Mortgage Broker of the Year
  • 2016 Canadian Mortgage Awards Finalist - Mortgage Broker of the Year
  • 2015 Canadian Mortgage Awards Winner Xeva – Best Newcomer Brokerage
  • 2014 Best of Now Magazine – Readers Choice Best Mortgage Broker Winner
  • 2013 Vancouver 5 Star Mortgage Professional
  • 2013 First National Financial LP Outstanding Achievement Award
  • 2013 Vancouver Magazine – Top Mortgage Professionals
  • 2012 CMP Awards – Syndicate Mortgages Mortgage Broker of the Year Fewer than 25 Employees
  • 2011 CMP Awards – “Broker of the Year” Finalist
  • 2010 CMP Magazine Top 50 Brokers in Canada by volume. Rank 30th


I am proud to have developed incredible working relationships with several Canadian mortgage lenders. Let's find out which one has the best mortgage product for you!

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