Robb Flannery - Senior Mortgage Advisor

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Canada
Courtenay, BC
Robb Flannery - Senior Mortgage Advisor

Robb is a Licensed and Accredited Mortgage Advisor and Reverse Mortgage Specialist. If you need a mortgage, I have the solution.

My job is a simple one – to get my clients the very best mortgage for their needs, at no cost to them! My goal is to design the right mortgage solution for your unique needs, so you can achieve your financial and home-ownership goals. Money-saving mortgage options, privileges and rates for Courtenay, Comox, Campbell River, Gold River, Quadra Island, Denman Island, Hornby Island and surrounding areas.

• Your First Home
• Refinance & Home Equity Access
• Your Next Home
• Renewing Your Mortgage
• Investment & Commercial Properties
• Mortgage Penalty Negotiation & Capitalization
• Recreation or Second Properties

I would be more than pleased to answer any questions that you might have.

10/10/2026

Today is World Mental Health Day.

A reminder that taking care of your mental health is just as important as any other part of your financial or personal wellbeing.

Whether you're facing a major life change, navigating homeownership stress, or simply trying to keep up with the pace of life, your mental health matters.

At Indi Mortgage, we believe in creating a culture where it is safe to speak up, take a break, and ask for support. That applies to our agents, our partners, and our clients.

Let today be a chance to check in with yourself and with those around you.

💚 Take a deep breath.
💬 Have the conversation.
📱 Reach out if you need support.

10/07/2026

The Bank of Canada announces its next interest rate decision on Wednesday, October 28, 2026.

Whether you're buying, renewing, or watching the market, this one matters.

We'll break down exactly what it means for your mortgage the moment the decision drops. Follow along.

10/06/2026

Did you know your Loan-to-Value Ratio (LTV) could impact your mortgage approval?

LTV is the percentage of your mortgage amount compared to the appraised (or purchase) value of your property. Lenders use it to measure risk.

The higher your LTV, the less equity you have in the home. This can affect your eligibility, interest rate, and even the type of mortgage products available to you.

Here is why it matters:

✔️ Your LTV will determine if you need mortgage insurance and how much you qualify for.
✔️ Refinances: A lower LTV can unlock equity to consolidate debt, renovate, or invest in other goals.
✔️ Investment Properties: Stricter LTV requirements often apply, which can influence how much capital you need upfront.

Understanding your LTV is an important step in planning your financing strategy. A licensed mortgage agent/broker can help you calculate your ratio, explain how it impacts your options, and guide you toward solutions that fit your goals.

📲 Want to know your LTV and what it means for your mortgage? Reach out today.

10/03/2026

Wishing a joyful Simchat Torah.

As the Torah reading cycle comes to a close and begins again, may this time bring renewed energy, meaningful reflection, and celebration with loved ones.

From all of us at Indi Mortgage, Chag Sameach.

09/30/2026

September 30 is the National Day for Truth and Reconciliation.

It's a day to honour the children who never came home, the survivors of the residential school system, and the families and communities still living with its impact.

We encourage our team, our agents, and everyone in our community to take time today to learn, listen, and reflect on the experiences of Indigenous Peoples across Canada.

Every Child Matters.

09/28/2026

Protect more than just your home.

Mortgage payment protection is designed to cover your payments if you face unexpected challenges like job loss, illness, injury or death. In today’s economic climate, security matters more than ever.

Whether you are buying your first home, refinancing, renewing, investing, or settling into life in Canada, having the right protection in place can give you peace of mind and keep your financial goals on track.

Mortgage Protection Plan(s) are more than a life insurance policy. A mortgage agent (broker) can help you understand your options and choose the right fit for your needs.

Let’s talk about how to add the right layer of protection for you and those you love.

📲 Like, follow, or share to stay informed and empowered.

09/24/2026

Renewing Your Mortgage in 2026? Here’s What You Need to Know 🔑🏡

If your mortgage renewal is coming up this year, don’t just sign the first offer your lender sends you. With changing interest rates and evolving market conditions, this is your opportunity to reassess, strategize, and secure the best financing for your future.

Why It Pays to Review Your Options:

✅ Rates Change – The offer from your current lender may not be the most competitive one available
✅ Your Needs May Be Different – Life changes, and your mortgage should reflect your current financial goals
✅ More Lender Options – Working with a mortgage broker gives you access to 50+ lenders so you can compare and find the best fit

Should You Refinance Instead?
If you want to tap into home equity, consolidate debt, or adjust your term for better financial flexibility renewal time is the perfect moment to explore refinancing.

📩 Let’s talk before your renewal date arrives. A quick conversation could save you thousands!

09/23/2026

We're here for your commercial financing needs. Whether you're acquiring new property, refinancing existing assets, expanding your business, or exploring investment opportunities, our experienced team is ready to support you every step of the way. We understand that each scenario is unique, and we tailor our approach to meet your specific goals—making complex financing challenges manageable.

Ready to unlock your business’s potential? Let’s connect and turn your vision into reality.

09/22/2026

"Shouldn't I just go to my bank?"

Absolutely. In fact, you should check with every bank in the country. You should inquire at every bank available, all the bank subsidiaries, all the trust companies, the insurance companies, the financial corporations and all the private lenders around!

Or, you could just call us. That's actually the job.

We don't work for one lender, we work for you:

✅ Access – We compare rates and products across dozens of lenders, not just one counter.
✅ Advocacy – We're matching you to the mortgage that fits your situation, not selling you the one product on the shelf.
✅ Zero extra cost – In most cases, we're paid by the lender, not you, so shopping around costs you nothing.

Your bank can only offer what your bank sells. We can offer you everything else. One conversation instead of twenty phone calls.

Want the best rate available to you? Let's chat.

09/17/2026

Is a Reverse Mortgage Right for You? 🏡💰

A Reverse Mortgage allows Canadian homeowners to access their home equity without monthly payments, helping them stay in their home longer without financial stress.

Key Benefits:
✅ Stay in your home, stress-free
✅ No monthly mortgage payments = more cash flow
✅ Tax-free funds that won’t impact CPP (Canada Pension Plan) or OAS (Old Age Security)

It’s a long-term solution designed to provide financial freedom and stability in retirement.

Want to learn more? Let’s chat.

Address

2200 Piercy Avenue
Courtenay, BC
V9N3G6

Website

http://vanislemortgage.com/

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