First-Time Homebuyer
You’ve worked hard to reach the milestone of building equity in your own home. We’ll guide you from preapproval through closing day and beyond.
Read more →Verico Finex Lending
Experts in Canadian Residential Mortgage Solutions
Our Approach
Mortgage advice that adapts to every stage of Canadian homeownership.
WE USE INTEGRATED MORTGAGE STRATEGIES TO ENSURE OUR CLIENTS OBTAIN THE BEST AVAILABLE RATES AND THE MOST FLEXIBLE MORTGAGE PRODUCTS.
Five key reasons to choose us for all your mortgage needs:
Ⅰ. Choice⌄
With access to multiple products through dozens of lenders, including banks, trust companies, credit unions, and private funders, we have the mortgage to meet your ever-changing needs.
Ⅱ. Flexibility⌄
We’re able to get more mortgages funded. Whether you’re self-employed, new to Canada, rebuilding credit, or investing in property, we partner with lenders who specialize in every scenario.
Ⅲ. Negotiation⌄
We negotiate on behalf of borrowers daily, so we know how to secure the product and rate that fits your unique needs—no matter how many properties you’ve purchased.
Ⅳ. Reliability⌄
Mortgage requirements, qualification rules, and products change quickly. We stay ahead of the curve so the advice you receive is always timely and relevant.
Ⅴ. Relationships⌄
We’re here for you throughout your entire time as a mortgage holder. Whenever life changes, we adapt your mortgage strategy and keep you on track to becoming mortgage-free.
Leadership Spotlight
David Docksteader
President, Mortgage Broker | MBI
- British Columbia 250-575-2468
- Ontario 905-873-4717
- Email dwcd@finexlending.ca
We will get you the best interest rate and most flexible mortgage product available across the market tailored to your unique circumstances. You are our client—not the banks. We negotiate with them for you and keep the focus on long-term results.
Our Beginnings
finex \ ‘fī – nĕx \ adjective
My background in integrated financial planning with strategic efficiencies for incorporated executives and small business owners began in 2001—hence my company name FI-NEX.
My experience across insurance, retail, and corporate finance motivated me to provide solutions for incorporated professionals and business owners who needed affordable lending. By 2006 I was licensed in both mortgage brokering and real estate, and in 2010 I aligned with a national network of brokerages.
I’ve maintained a referral-based mortgage office in Kelowna supported by a team of young, innovative brokers serving all of British Columbia and Ontario.
Our team is passionate about providing mortgage solutions that exceed expectations. We work with first-time buyers, entrepreneurs, incorporated professionals, and sophisticated real estate investors alike.
Our Affiliations
Relationships that expand our reach
Affiliated with Paragon Mortgage in Western Canada and MortgagePal (FSCO License #: 12685) in the East. Part of the VERICO Mortgage Broker Network and an active member of MPC.
Life Stages
Navigate every chapter
New Baby
Parenthood changes everything. We review your plan with every lifestyle shift and free up cashflow whenever possible to support your growing family.
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Renovations
Whether you’re purchasing a fixer-upper or refreshing your current space, we unlock financing that keeps improvement projects on budget.
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Buying Your Next Home
Moving up (or down) the property ladder stays exciting every time. We synchronize buying and selling timelines so each transaction stays on track.
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Unexpected Events
Life happens. We prepare for surprises ahead of time and access multiple options when the unexpected becomes real.
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Divorce
Separation is emotionally draining. Whether you sell and split proceeds or refinance to complete a buyout, we coordinate the financing details.
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Job Loss
We immediately review your mortgage, assess cashflow, and set a new budget so you can focus on the next career move without losing your footing.
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Ready to Retire
Entering retirement should feel confident. We leverage specialty products that stretch finances and protect monthly cashflow.
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Taking Care of Dependants
Supporting children, parents, or both introduces unique pressures. We align mortgage strategies with caregiving responsibilities.
Read more →Retired
Enjoy retirement on your terms by simplifying debt, tapping into equity responsibly, and keeping lending flexible as needs evolve.
Read more →Mortgage Services
Solutions for every need
Mortgage Calculator
Estimate payments, amortization schedules, and affordability scenarios before you make an offer. Our calculator helps you stress-test every variable.
Learn more →Pre-Approval
Secure conditional financing so you know exactly how much you can comfortably afford before you begin house hunting.
Learn more →Purchase
Whether you’re buying your first home, upgrading, or downsizing, we guide you from preapproval through closing day and beyond.
Learn more →Purchase Plus Improvements
Bundle qualified renovation costs into one mortgage payment so you can personalize your new home immediately.
Learn more →Mortgage Refinance
Leverage hard-earned equity to consolidate debt, renovate, invest, or free up monthly cashflow with a refreshed mortgage.
Learn more →Mortgage Renewal, Transfer & Switch
At renewal we renegotiate everything: term, rate, amortization, and lender incentives—so you never leave money on the table.
Learn more →Vacation Homes & Cottages
From waterfront retreats to mountain cabins, we arrange seasonal or year-round financing for second homes across Canada.
Learn more →Investment Properties
We map out down payment strategies, rental offsets, and portfolio growth so every property purchase becomes a smart long-term play.
Learn more →New Construction
Building from the ground up? We coordinate builder draws, completion financing, and contingency plans to keep your project moving.
Learn more →New To Canada
Establishing roots is easier when you know the mortgage rules. We outline documentation, credit alternatives, and lender options for newcomers.
Learn more →Cash Back
Select lenders return cash at closing—perfect for furnishing, upgrades, or covering closing costs. We’ll show you when these products make sense.
Learn more →Self Employed
Business owners deserve flexible underwriting. We work with lenders who understand retained earnings, add-backs, and non-traditional income.
Learn more →Bruised Credit
Life happens. Our roster of alternative and private lenders ensures you still have access to competitive mortgage options while you rebuild.
Learn more →Reverse Mortgage
Unlock tax-free equity without selling your home. Reverse mortgages can supplement retirement income or fund major expenses responsibly.
Learn more →Contact Us
Let’s talk about your mortgage
Send us a message and we'll get back to you as quickly as possible, or call 1-866-610-0320.
1-866-610-0320
Available across British Columbia and Ontario.