Richard Earles - Mortgage Broker

Home
Canada
Langley, BC
Richard Earles - Mortgage Broker

Richard Earles is a professional mortgage broker and is currently licensed in BC, and Ontario.

He's a 16 year veteran of the mortgage industry and his expertise in alternative lending set him apart from your average mortgage broker.

09/16/2026

Celebrating a strong start to September with successful mortgage closings 🏡🔑

The first half of September has been filled with meaningful milestones as we continue helping clients across Canada move closer to their homeownership and financial goals.

Every funded mortgage represents more than just a transaction. Behind every closing is a unique story, whether it’s purchasing a new home, securing an investment property, refinancing for greater flexibility, or accessing equity to create more financial opportunities.

Here are some of the mortgages we were proud to help close during the first half of September:

✅ Owner Occupied Purchase – Brantford, Ontario — $1,320,000
✅ Refinance, Second Home – Calgary, Alberta — $196,000
✅ Purchase Mortgage – North Vancouver, BC — $1,487,000
✅ Mortgage Refinance – Surrey, BC — $438,750
✅ Purchase Mortgage – Clairmont, Alberta — $187,000
✅ Reverse Mortgage – Langley, BC — $200,000

No two mortgage journeys are the same. That’s why we believe successful financing starts with understanding each client’s goals, circumstances, and long-term plans.

To every client who trusted us during this process, thank you for allowing us to be part of such an important financial milestone. We’re also grateful to our referral partners, lenders, legal teams, and everyone who helped make these closings possible.

Whether you’re planning to buy, refinance, invest, or explore your mortgage options, having the right strategy can make all the difference.

Let’s build a mortgage plan that supports where you are today and where you want to be tomorrow. 🏡

09/15/2026

Getting approved for a mortgage is about more than just your income. 🏡
Lenders look at your complete financial picture to understand your ability to manage a mortgage responsibly.

Here are 5 key factors they consider:

✅ Credit history
✅ Income stability
✅ Debt levels
✅ Down payment
✅ Overall financial situation

Understanding what lenders review can help you prepare better and make more confident decisions when planning your next move.

At Home Legacy Financing, we help Canadians navigate mortgage options with strategies designed around their goals, not just numbers.

📌 Ready to explore your mortgage options?

Visit homelegacy.ca today.

09/09/2026

A mortgage journey can feel overwhelming, but having the right team by your side can make all the difference. 🏡❤️

We’re incredibly grateful to S.B. for trusting The Home Legacy Team throughout the process.

From providing timely updates to answering questions quickly and breaking down complex mortgage topics into simple, easy-to-understand explanations, our goal is always to make the experience as smooth and stress-free as possible.

A special thank you to S.B. for sharing such thoughtful feedback. Hearing that our clients feel informed, supported, and confident throughout their journey is what motivates us every day. 🙏

Thank you for allowing us to be part of your mortgage journey. We’re always here to provide guidance, clarity, and support whenever you need us. ❤️

09/08/2026

🏡 Building A Legacy Starts With Smart Decisions

Your mortgage is more than just a monthly payment, it’s a financial tool that can help shape your future.

The right mortgage strategy can help you:

✅ Make confident home decisions
✅ Build long-term financial stability
✅ Access opportunities when the time is right
✅ Create a stronger foundation for your future

At Home Legacy Financing, we believe every mortgage decision should be made with a clear purpose and a plan in mind.

Because building a legacy doesn’t happen by chance, it starts with making smart choices today.

✨ Your future deserves the right strategy.
🌐 homelegacy.ca

09/01/2026

🏡 5 Signs Refinancing Your Mortgage May Make Sense

Your mortgage shouldn’t stay the same while your life changes.

Whether you’re looking to lower monthly payments, fund home renovations, access your home equity, or gain more flexibility — refinancing could help you create a mortgage strategy that fits your current goals.

Here are 5 signs it may be time to review your options:

✅ Your current interest rate is higher than available options
✅ You want to reduce monthly debt payments
✅ You’re planning renovations or improvements
✅ You want to unlock your home’s equity
✅ You need more flexibility from your mortgage

Every homeowner’s situation is different. The right solution starts with understanding your goals.

At Home Legacy Financing, we help you explore mortgage options designed around your future, not just today.

📲 Ready to review your options? Let’s start the conversation.

🌐 homelegacy.ca

08/26/2026

A mortgage journey is more than just finding the right deal, it’s about having a team that listens, supports, and guides you every step of the way. 🏡❤️

We’re incredibly grateful to S.W. for trusting The Home Legacy Team throughout the process.

From finding the right mortgage solution to providing quick answers and reassurance along the way, our goal was to make the experience feel simple, comfortable, and stress-free.

A special thank you to S.W. for your kind words. Knowing that our clients feel supported means everything to us. 🙏

Thank you for allowing us to be part of your journey. We’re always here to help you navigate what comes next. ❤️

08/25/2026

Think you need 20% down to buy a home in Canada? Not always. 🏡

For eligible properties under $1.5 million, the minimum down payment is generally calculated as:

5% on the first $500,000

10% on the portion above $500,000

That means a $700,000 home could require a minimum down payment of $45,000, while a $900,000 home could require $65,000.

Homes priced at $1.5 million or more generally require at least 20% down and are not eligible for CMHC mortgage loan insurance.

Your down payment is only one part of the home-buying budget. You may also need funds for closing costs, legal fees, inspections, adjustments, and other expenses.

Saving for a home? Message “DOWN PAYMENT” and we’ll help estimate what you may need based on your target price range.

Eligibility, lender requirements, and mortgage-insurance conditions apply. This content is for general educational purposes only.

08/19/2026

Celebrating a strong August of successful mortgage closings 🏡🔑

Throughout the month, we’ve had the privilege of helping clients across British Columbia, Alberta, and Ontario take meaningful steps toward their financial and homeownership goals.

Every closing represents more than just a funded mortgage. Behind each one is a unique story, whether it’s purchasing a new home, investing in a rental property, refinancing for greater flexibility, or accessing equity to create more breathing room financially.

Here are some of the mortgages we were proud to help close this August:

✅Mortgage Refinance – Maple Ridge, BC— $865,000
✅Rental Purchase – Tofino, BC — $771,000
✅Mortgage Refinance – Vancouver, BC — $330,000
✅Purchase Mortgage – Surrey, BC — $552,000
✅Mortgage Refinance – Duncan, BC — $127,500
✅Purchase Mortgage – Maple Ridge, BC— $775,000

No two mortgage journeys are exactly the same, which is why we believe the right financing strategy should always start with understanding the client, their circumstances, and where they want to go next.

To every client who trusted us with an important financial decision this month, thank you for allowing us to be part of your journey. We’re also grateful to our referral partners, lenders, legal teams, and everyone behind the scenes who helped make each closing possible.

Whether you’re planning to buy, refinance, invest, or simply explore your options, you don’t have to figure it out alone.

Let’s build a mortgage strategy that makes sense for where you are today, and where you want to be next.🏡

08/18/2026

The lowest mortgage rate is not always the lowest-cost mortgage. 💰

A great-looking rate can lose its appeal if the mortgage comes with a costly penalty when you need to sell, refinance, or break the term early.

Before signing, look beyond the rate and ask:
How is the penalty calculated?
What are the prepayment privileges?
Is the mortgage portable?
What happens if my plans change?

The right mortgage should give you a competitive rate and the flexibility to protect your financial future.

Visit homelegacy.ca to compare more than just the rate.

Mortgage penalties and contract terms vary by lender and product. This content is for general educational purposes only.

08/12/2026

A mortgage process can feel overwhelming, but having the right team beside you can make all the difference.

We’re so grateful to A.Z. for trusting me, Cole, and The Home Legacy Team throughout the process. 🏡

From staying responsive to keeping every detail on track, our goal was to make each step feel clear, organized, and far more manageable.

Because when it comes to your mortgage, you deserve a team that stays on top of the details so you don’t have to carry the stress alone.

To A.Z., thank you for your trust, your recommendation, and your kind words. It means so much to our entire team. 🙏❤️

Here’s to smoother mortgage experiences and more happy homeowners.

Address

#302/19978 72 Avenue
Langley, BC
V2Y1R7

Website

https://www.valleyfinancialmortgages.com/

Alerts

Be the first to know and let us send you an email when Richard Earles - Mortgage Broker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Realtor/realty Service in Langley?