Unify Financial
Share
"Bringing Dreams and Finances Together" A Hands-On Old School Approach to Modern Lending
Unify Financial is a brokerage that puts people first.
When we do your mortgage, we don’t just do your mortgage and send you on your way, we educate you as to how it works. Everything from understanding your credit to understanding how debt ratios work. We feel the more you know about your finances, the more empowered you will be to make educated decisions. Make sure you are on the right track and get the products and interest rates that are best for you. Best of all, Unify Financial is a free service.
09/01/2026
House hunting is way more fun when you know your number.
Before you book showings or fall in love with a listing, let's figure out what you actually qualify for. It takes one conversation and it makes everything after it easier.
Ready when you are 👇
604.316.3599 | [email protected]
08/30/2026
Ask us anything 💡
Mortgages come with a lot of terminology that nobody really explains, and there is no such thing as a silly question.
What is the difference between fixed and variable? Does checking my credit hurt my score? Can I qualify if I am self employed? What happens when my term is up? How much do I actually need for a down payment?
We hear these every week and we are always happy to walk through them.
Drop your question in the comments or send us a message. Clear answers, no sales pitch.
📞 604.316.3599
💻 [email protected]
Would you trust your mortgage broker to fix your truck? Probably not. 😂
But when it comes to your mortgage? That’s where you can trust Don.
Just like your vehicle, putting your mortgage in the right hands can save you headaches, help you avoid costly mistakes, and keep things moving in the right direction.
Don might not be the guy you want under the hood of your truck, but when it comes to navigating rates, lenders, renewals, refinancing, and everything in between, he knows exactly what he’s doing.
Let the mechanic keep you out of the shop. Let Don help keep your mortgage on track.
You trust a good mechanic with your truck. You should be able to trust your mortgage broker the same way.
A good professional doesn’t just get the job done. They help you understand what’s happening, keep you updated along the way, and make sure there are no surprises when it’s time to pick up the keys.
Mortgages shouldn’t feel confusing or leave you wondering what happens next.
At Unify Financial, we keep you in the loop from start to finish, explain your options, and make sure you understand exactly what you’re signing up for.
Whether it’s your truck or your mortgage, having someone you trust makes all the difference.
08/18/2026
Your dream. Our mission.
Behind every mortgage there is a real story. A first home.
More space for a growing family. A place with a yard, a garden, a spot to finally put the hammock.
Whatever yours looks like, our job is to help you get there.
We handle the numbers, the lenders and the paperwork so you can focus on the exciting part. And we will always tell you the truth about where you stand, even when it means waiting a little longer to make the timing right.
Tell us what you are dreaming about and we will help you build the plan to get there
www.unifyfinancial.ca
604.316.3599 | [email protected]
Not all vehicles are the same. And neither are all mortgages.
Sometimes, you’ve got to get underneath and take a closer look to really see what you’re working with.
A mortgage might look great on the surface, but once you dig into the rate, penalties, prepayment options, restrictions, and fine print, it can be a very different story.
At Unify Financial, we look at the whole mortgage, not just the number on the front page.
Because just like buying a vehicle, it pays to know what’s under the hood before you commit.
Thanks to D'Cardos Chilliwack for having us!
08/05/2026
GDS. TDS. Two acronyms, one big impact on what you qualify for.
GDS (Gross Debt Service) looks at your housing costs against your income.
TDS (Total Debt Service) adds in everything else you owe, car payments, credit cards, loans.
Here's the catch: every lender interprets these ratios a little differently, and where you land can change what you're approved for. That's exactly why it pays to talk to a broker before you talk to a bank, we know how to make the numbers fit.
Questions about your own ratios?
Send us a message, we're happy to walk through it.
📞 604-316-3599 | [email protected] | www.unifyfinancial.ca
What's your best rate?"
It's one of the most common questions we get, but the answer might surprise you: it depends on you.Your down payment, credit history, income, debt levels, property type, mortgage amount, and even your future plans can all impact which mortgage options and rates are available.
That's why we don't just throw out a number and hope for the best. We take the time to understand your unique situation, compare multiple lenders, and bring all the pieces together to find a mortgage solution that works for you.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
07/22/2026
Some rare good news for first-time buyers.
Insured mortgages, meaning less than 20% down, used to max out at 25 year amortizations. First-time buyers can now stretch to 30, and the insured price cap has moved up to $1.5M.
Why it matters: insured deals are very sensitive to debt ratios, so a lower monthly payment can mean qualifying for more home.
Curious what this means for your numbers?
Reach out and Don will walk you through it.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
07/16/2026
Sometimes mortgage conversations feel like they're happening in a different language.
Most of the time, these phrases aren't nearly as scary as they sound.
The truth? Mortgage language isn't always written for real people.
One of the biggest parts of my job isn't just finding the right mortgage, it's helping clients understand what's actually happening behind the scenes, what lenders are asking for, and why.
A good broker doesn't just chase rates.
A good broker explains the process, translates the jargon, and helps you make confident decisions along the way.
Have a mortgage phrase you've heard but never fully understood?
Send it our way, or drop it in the comments below.
We'll handle the translation...we speak fluent lender.
Unify Financial | Mortgage Brokers
Chilliwack, BC
604-316-3599 | [email protected]
www.unifyfinancial.ca
Click here to claim your Sponsored Listing.
Category
Contact the business
Telephone
Website
Address
Chilliwack, BC
Opening Hours
| Monday | 8am - 5pm |
| Tuesday | 8am - 5pm |
| Wednesday | 8am - 5pm |
| Thursday | 8am - 5pm |
| Friday | 8am - 5pm |