BRITISH COLUMBIA

Join a mortgage brokerage in Kelowna

Kelowna is running against the provincial trend, with detached prices up while condo prices fall.

Official sources: BC Financial Services Authority (BCFSA), Association of Interior REALTORS, Statistics Canada, 2021 Census of Population

Part of our British Columbia network. See the British Columbia overview.

A.I.M.I. Collective Mortgage Group is licensed by BCFSA across British Columbia and works with brokers in Kelowna. Kelowna is running against the provincial trend, with detached prices up while condo prices fall.

If you are looking at mortgage broker jobs in Kelowna, weighing up becoming a mortgage broker in Kelowna, or thinking about switching brokerages, this page covers what the local market looks like and what changes when you move.

Kelowna in numbers

Local board

Association of Interior REALTORS

Prices

Central Okanagan benchmark, July 2026: single family $1,072,400, up 2.3% year over year. Townhome $709,500, down 2.4%. Condo $490,700, down 2.0%. These are regional figures covering Kelowna, West Kelowna, Lake Country and Peachland.

Detached rising while condos fall

Kelowna is one of the few BC markets where detached prices moved up over the year while strata prices moved down. It is also an older market, with roughly a fifth of residents aged 65 and over.

Population

144,576 (2021 Census)

What a broker's book looks like in Kelowna

Kelowna incomes are rarely simple. Tourism, wineries, construction and a large self employed trades base mean seasonal income, business for self files and year to year swings that a salaried file never shows.

The market also skews older. Retirees selling in the Lower Mainland and buying in the Okanagan bring large down payments, and long time owners bring equity take out and reverse mortgage conversations. BC's short term rental rules have also changed how lenders view strata units bought for rental.

Where the files come from

  • Self employed and seasonal income from tourism, trades and agriculture
  • Retirees relocating from the Lower Mainland and Alberta
  • Equity take out and reverse mortgage enquiries
  • Recreational and second home purchases

What changes when you join from Kelowna

  • Direct submission to 100+ A, B, private and alternative lenders under Dominion Lending Centres
  • Top tier lender status on every file from day one, with a split that reflects your volume
  • Deal Desk underwriting support on commercial, B and alternative files in exchange for a commission split
  • Compliance, payroll and deal processing handled, plus a broker portal built for the work
  • Weekly lender training, one on one mentorship and private lending matchmaking events

Licensing in British Columbia

BCFSA regulates mortgage brokering in British Columbia. From 13 October 2026 the Mortgage Services Act replaces the Mortgage Brokers Act, moving BC from registration to licensing with principal brokers accountable for their brokerages. The transition education deadline for existing registrants was 22 September 2026. Current as of 24 September 2026.

Common questions

What licence do I need to work as a mortgage broker in Kelowna?
BCFSA licenses mortgage brokering in British Columbia. We onboard licensed agents and brokers; we do not put unlicensed applicants through initial licensing.
Do I keep my own clients and my own brand?
Yes. Your book is yours and you keep your personal brand and website. We add co branded marketing systems, video production support and campaign templates on top.
Do you work with brokers outside the Lower Mainland?
Yes. A BCFSA licence is provincial and everything we run, from the portal to the Deal Desk to lender submissions, works the same wherever in BC you are.
Can a Kelowna broker work with the rest of A.I.M.I. Collective remotely?
Yes. Our Interior brokers submit under the same lender status, use the same Deal Desk and join the same weekly training online. You only need to be in Surrey for events you choose to attend.

Further reading

Thinking about a move in Kelowna?

A discovery call is a conversation about your book, your pipeline and what the numbers would look like. No obligation either way.

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In British Columbia

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Mortgage broker course in BC: how it works in 2026

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How to become a mortgage broker in BC

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