Getting a mortgage can be stressful and confusing; it doesn't have to be, let us show you how 

Getting a mortgage can be stressful and confusing;

 it doesn't have to be, let us show you how 

About Us


The power of working with Flawless Financing at The Collective Mortgage Group is that you don’t just get a mortgage broker, you get the care and attention of our entire experienced mortgage team.


We provide mortgage services to loyal clients in a supportive and transparent environment, with an authentic voice, helping them feel protected, while saving time and money. Our goal is to take away some of the stress and confusion, and provide clients with the peace, confidence and understanding to be able to make informed decisions.


It is an honour to be a part of a clients homeownership journey, and we always feel incredibly fortunate to help make it a positive experience.

About Us


The power of working with Flawless Financing is that you don’t just get a mortgage broker, you get the care and attention of our entire experienced mortgage team.


We provide mortgage services to loyal clients in a supportive and transparent environment, with an authentic voice, helping them feel protected, while saving time and money. Our goal is to take away some of the stress and confusion, and provide clients with the peace, confidence and understanding to be able to make informed decisions.


It is an honour to be a part of a clients homeownership journey, and we always feel incredibly fortunate to help make it a positive experience.

About Us

The power of working with Flawless Financing is that you don’t just get a mortgage broker, you get the care and attention of our entire experienced mortgage team.


We provide mortgage services to loyal clients in a supportive and transparent environment, with an authentic voice, helping them feel protected, while saving time and money. Our goal is to take away some of the stress and confusion, and provide clients with the peace, confidence and understanding to be able to make informed decisions.


It is an honour to be a part of a clients homeownership journey, and we always feel incredibly fortunate to help make it a positive experience.

We have the knowledge, experience and resources to help you, no matter your mortgage needs!

Experienced Home Buyers

If you're looking to; climb the property ladder, refinance, or renew your existing mortgage, let us help you arrange financing so you can get the best mortgage for you! 

Mortgage into Retirement

Senior Canadians are looking for options. Although a great product for some people, the reverse mortgage isn't your only option into retirement. Let's discuss ALL your options, instead of making assumptions. 

First Time Home Buyers

If you're looking to buy your first home, we've got the advice (and expertise) you're looking for. Let our team of professionals guide you through the home buying process. 

Going Through a Separation?

No judgements, life happens. If you're going through a divorce or separation, there are programs that might allow you to keep the matrimonial home. Make sure to contact us for more information!

Construction Mortgage

Always wanted to build your dream home? Nothing on the market that peaks your interest? We won't pick up a hammer, but we'd love to help build your dream.

Rental Property

Investment properties can be a great idea, but they come with a bit of extra homework. Let's be study buddies and work together to make sure this major investment of yours makes sense.

We have the knowledge, experience and resources to help you, no matter your mortgage needs!

Helpful Resources

Experienced Home Buyers

If you're looking to; climb the property ladder, refinance, or renew your existing mortgage, let us help you arrange financing so you can get the best mortgage for you! 

Mortgage into Retirement

Senior Canadians are looking for options. Although a great product for some people, the reverse mortgage isn't your only option into retirement. Let's discuss ALL your options, instead of making assumptions. 

First Time Home Buyers

If you're looking to buy your first home, we've got the information (and expertise) you're looking for. Let our team of professionals guide you through the home buying process. 

Going Through a Separation?

No judgements, life happens. If you're going through a divorce or separation, there are programs that might allow you to keep the matrimonial home. Make sure to contact us for more information!


Construction Mortgage

Always wanted to build your dream home? Nothing on the market that peaks your interest? We won't pick up a hammer, but we'd love to help build your dream.

Rental Property

Investment properties can be a great idea, but they come with a bit of extra homework. Let's be study buddies and work together to make sure this major investment of yours makes sense.

Our Process Walkthrough

Here are the steps that we'll go through together to get you to your end goal.

Please remember that due to every individual situation being different, the stages and the order may vary.

How can we help you?

This is where we can get a sense of your current situation, what solutions may be available to you, and what your end goal is. We want to start off with clarity so that we can reach your dreams as efficiently as possible.


This is also where we’ll gather information about your team of professionals (financial planner, accountant, lawyer/notary). If you don’t have a fully established team, we can help you build one with professionals we trust to be a good fit.

Tell us about yourself

After we have an understanding of your goals, we will invite you to fill out a thorough application via our secure online portal. This application will cover your personal information, living history, income, assets, and liabilities. 

Help us help you

Once you've submitted your application, a list of requested documents will be automatically generated based on your information. You can confidently upload your document to our secure portal. This is a crucial stage in the process to ensure we're armed with the right information to find you the best possible mortgage solution.


We can help you streamline your document collection process by reaching out to your accountant and/or financial advisor. 

Let's review

With your documents in hand, our team will review your file as a whole. This is where we'll crunch the numbers to find the best solutions available for your situation. We'll invite you to set up a time to chat and review your options together.


You'll not only be provided with all the facts, but unbiased support as well. 

Let's put your plan into action!

If you're house hunting, we will provide you and your REALTOR® with a pre-approval letter to strengthen your offers. 


Otherwise, at this stage you will receive a breakdown of your conditional commitment suitable for your situation (e.g. refinance, equity take out, transfer, renewal), which we will discuss together in detail.

Streamers, balloons and keys.... oh my!

Once all conditions of your commitment have been satisfied, your solicitor will help to finalize your goal.


Our role doesn’t end here! We will be in touch annually to ensure you are on track with your goals. Expect regular updates and announcements from us as well. We want to ensure you’re kept in the loop with any changes that could impact you and your family. Have questions in the meantime? We are always free for a call or email.

CALCULATE

Whether you're just getting started, have a home in mind, or want to refinance or renew an existing mortgage, why not start by using our online calculator?

SIGN CONSENT

We take your privacy very seriously. Here is a quick consent form that you can use to indicate that you'd like to start the process in finding a mortgage with us! 

APPLY NOW

You've run some preliminary calculations and you've signed the consent form. The next step is to go through our online mortgage application. 

CALCULATE

Whether you're just getting started, have a home in mind, or want to refinance or renew an existing mortgage, why not start by using our online calculator?



CALCULATE

SIGN CONSENT

We take your privacy very seriously. Here is a quick consent form that you can use to indicate that you'd like to start the process in finding a mortgage with us! 

SIGN CONSENT

APPLY NOW

You've run some preliminary calculations and you've signed the consent form. The next step is to go through our online mortgage application. 

 

CALCULATE

YOU HAVE ACCESS TO DOZENS OF LENDERS

As a collective, we've developed excellent relationships with lenders across Canada. Let's figure out which one has the best product for you. 

Download Our Calculation App

We have our very own Canadian Mortgage App. This award winning app was designed to help aspiring and current homeowners feel informed and prepared, as well as help guide their financial professionals (including us!) in finding the right solution.


Whether buying a house, refinancing an existing mortgage or confirming related expenses, you can use the app's innovative calculation tools to explore multiple scenarios and make more informed decisions.


Use the button below to learn more and download our FREE app today to experience the convenience of having all of your essential mortgage tools in one place!

DOWNLOAD APP

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I have worked with Adam and his team on a couple deals now and it has been nothing but positive, they really go above and beyond for our clients. From a realtors perspective, I really appreciate the ease in communication and proactive approach to each and every client's needs. You are all such a lovely bunch who genuinely care and take pride in your work! Keep doing what you are doing:)

Siya

We've had three previous mortgage brokers and by far Adam is the BEST!!!! Adam's personal touch made getting our new mortgage easy and stress free!
Adam is professional, friendly, and he anticipated and answered any and all questions that we had. We wouldn't think of using anyone else in the future to deal with our mortgage other than Adam. It's just that simple -- Adam is the BEST! We are so pleased to call Adam Hawryluk our mortgage broker. Thanks, Adam!

Marty & Sonja

With dogged determination and a meticulous eye to detail, Adam was able to find the right mortgage for me as a first time buyer.
He was able to walk me through the process and was extremely helpful the entire time.
Thanks!

Rodney

We cannot thank Adam enough for helping us with our very first mortgage. Adam is knowledgeable, patient and professional. As our broker he secured an amazingly low, brag-worthy mortgage rate; did it at lightening speed; and held our hand, patiently, through the whole process. Not to mention, he did it all while he was supposed to be on vacation! We will continue to highly recommend Adam to anyone looking for a broker. Thanks again Adam - you made our first-time homebuyers experience an easy one!

Emily & Ben

Having been dissatisfied with my bank of 22 years when applying for a mortgage, someone recommended Adam to me. What a courteous, friendly and totally professional man. He walked me through the whole procedure and took the time to explain the process so that I was totally comfortable with anything that I was about to sign. Thank you Adam for everything and especially that great mortgage rate. I am very happy in my new home.

Eileen

John Doe's Image
Adam helped us with our recent purchase of our very first home. He was very professional, knowlegable and thourough. He explained the process in detail and made sure we were comfortable and understood the process. Thanks for all your expertise Adam!

Nicole

John Doe's Image
Working with Adam was an absolute pleasure. As first time home buyers we had no idea where to begin with the whole process. Adam was extremely knowledgable and helpful every step of the way. He made applying for a mortgage easy and worry free. Adam was always available to answer any questions, even through the busy Christmas season. His professionalism, honesty and vast knowledge of the lending world made him the best match for us when purchasing our home. We will definitely be going back to Adam for any future home purchases, and we would recommend him to any home buyers.
Thank You for all your hard work!

Chris & Laura

The team at Flawless Financing is friendly, courteous, knowledgeable and efficient. They made the experience of buying a house seamless for us, but just once but twice now. I wouldn’t hesitate to use them again or recommend them to family and friends. The customer service from this team is exceptional.

Kara

We have worked with Flawless Financing through 2 mortgages. Both were seamless. His team was organized, efficient, and pleasant throughout the whole process. We were thoroughly impressed with our 2nd experience where we moved to a new city, and Flawless Financing was able to deliver equally good service remotely

Carmela

I used Adam to secure a mortgage for my first home almost 12 years ago, before he went out on his own. He was knowledgeable and helped navigate the process in a way where he made sure you knew all your options before making a decision. When he started Flawless Financing, I used his company to re-mortgage and got a great rate and was able to consolidate some other debt, which I didn't even know was possible. I recently went through a move and used his very prompt and professional team once again to not only secure a mortgage for my new house but to do so on the other side of the province. Even with all that distance the team at Flawless Financing was just that, Flawless, they work together well and where able to help me meet my subject deadlines and communicated well with my lawyer and the Sellers notary as well. If you want to take the stress out of buying a house, do yourself a favor and go with Adam and the team at Flawless Financing.

Joe

My wife and I were introduced to Flawless Financing through our Sun Life financial adviser. From the moment we entered the office we received a warm and friendly welcome. Our conversation with Adam Hawryluk was informative, our questions about the Home Equity programme were explained and easily understood. When we needed clarification on certain points Adam was patient and only too pleased to clarify areas where we had some uncertainties. The staff at Flawless Financing were always a delight to speak with be it in person or by phone.

G & R

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Phone

Email

Address

#13 - 327 Prideaux Street

Nanaimo, BC V9R 2N4

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