Richard Earles - Mortgage Broker

Richard Earles - Mortgage Broker Richard Earles is a professional mortgage broker and is currently licensed in BC, and Ontario.
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He's a 16 year veteran of the mortgage industry and his expertise in alternative lending set him apart from your average mortgage broker.

Thinking about refinancing your mortgage? 🏡Refinancing can be a powerful tool, but it should never be treated like a qui...
06/10/2026

Thinking about refinancing your mortgage? 🏡

Refinancing can be a powerful tool, but it should never be treated like a quick fix.

For many homeowners, it may help with:

✔️ Debt consolidation
✔️ Home renovations
✔️ Monthly cash flow
✔️ Major life changes
✔️ Creating more financial flexibility

But before making a move, it’s important to look at the full picture.
What are the costs?

Will your monthly payment change?

Will your mortgage term be extended?

Are you solving the problem long-term, or just moving debt around?

Your home equity is valuable. It deserves a plan.

At Home Legacy Financing, we help homeowners review their refinancing options with clarity, care, and strategy, so your decision supports both today’s needs and tomorrow’s goals.

Thinking about refinancing?

Start with a conversation before making the move.

📍 Visit homelegacy.ca to learn more.

Strong Finish to May! 🔑🏡The second half of May was busy helping families and homeowners across British Columbia secure t...
06/03/2026

Strong Finish to May! 🔑🏡

The second half of May was busy helping families and homeowners across British Columbia secure the financing they needed to move forward with confidence. 👍🏼

✅ Purchase Mortgage – South Surrey – $814,250
✅ Purchase Mortgage – Langley – $861,000
✅ 1st Mortgage Refinance – Vancouver – $1,922,000
✅ 1st Mortgage Refinance – Langley – $350,000
✅ 1st Mortgage Refinance – Burnaby – $385,000
✅ 2nd Mortgage Refinance – Nanaimo – $170,000
✅ Mortgage Renewal – Chilliwack – $175,000

Every file has a story behind it. Whether it’s buying a first home, accessing equity, consolidating debt, renewing a mortgage, or refinancing for a better financial future, we’re grateful for the trust our clients place in us every day.

A huge thank you to our clients, referral partners, lenders, lawyers, and everyone involved in helping make these transactions a success. 🙌

If your mortgage is coming up for renewal, you’re considering a refinance, or you’re planning your next home purchase, let’s have a conversation.

📲 Reach out anytime.

05/29/2026

😂 Friday Funnies, presented by my partner .
Mortgages are a serious business but sometimes you have to let your hair down a little bit

Getting proactive with your pre approval has never been more important than it is today.
05/27/2026

Getting proactive with your pre approval has never been more important than it is today.

Busy month so far. Grateful for all my awesome clients
05/27/2026

Busy month so far. Grateful for all my awesome clients

🏡 Thinking about buying a home? Getting pre-approved is the first power move. 💪A mortgage pre-approval helps you:✅ Know ...
05/26/2026

🏡 Thinking about buying a home? Getting pre-approved is the first power move. 💪

A mortgage pre-approval helps you:
✅ Know exactly what you can afford
✅ Lock in an interest rate 🔒
✅ Shop with confidence 🛒
✅ Stand out to sellers in competitive markets 📈
✅ Avoid surprises before making an offer 🚫

The last thing you want is to fall in love with a home… only to find out financing doesn’t work. 😬

A quick conversation today can save you stress tomorrow. Reach out anytime to get started! 📲

🔥 SOME MAY FUNDED FILES 🔥Another strong month helping clients across BC and Ontario secure financing solutions that fit ...
05/21/2026

🔥 SOME MAY FUNDED FILES 🔥
Another strong month helping clients across BC and Ontario secure financing solutions that fit their goals. Whether it was a renewal, refinance, or purchase, every file had a strategy behind it. 👊🏡

✅ Chilliwack, BC – Mortgage Renewal – $175,000
✅ Langley, BC – Purchase Mortgage – $861,000
✅ Mission, BC – Mortgage Refinance – $1,240,000
✅ Nepean, Ontario – Mortgage Refinance – $320,000
✅ Victoria, BC – Mortgage Renewal – $700,000
✅ New Westminster, BC – Mortgage Renewal – $820,000

Every mortgage story is different.
Banks aren’t always the only option, and structure matters more than ever in today’s market. 📈

If your mortgage is coming up for renewal, you’re looking to consolidate debt, refinance, purchase, or just want a second opinion before signing with your bank, let’s talk. 📲

🏠 Helping clients navigate mortgage solutions with clarity, strategy, and options.

05/07/2026

✅ Approved ✅

Sometimes in this business, we get so busy working on files, talking with clients, crafting complex mortgage solutions, ...
05/06/2026

Sometimes in this business, we get so busy working on files, talking with clients, crafting complex mortgage solutions, and building our businesses that we don’t take time to celebrate our wins with our business partners. I’ve been lucky enough to work with this man right here for several years now and we’ve helped countless clients over the years together. I appreciate the partnership we have and look forward to helping more families get in to their dream homes.

Meet the team behind every approval, every strategy call, and every smooth closing.At Home Legacy Financing, we’re not j...
02/12/2026

Meet the team behind every approval, every strategy call, and every smooth closing.

At Home Legacy Financing, we’re not just brokers, we’re a coordinated unit built to solve complex files, move quickly, and protect our clients’ long-term financial position.

From alternative and private lending expertise…
To underwriting precision and operational execution…
To client care that ensures nothing falls through the cracks…

Every mortgage we touch has a team behind it.

15+ years of leadership.
Award-winning performance.
B lending and complex deal specialists.
First-time buyers to sophisticated restructures.
BC and Ontario coverage.

When you work with us, you don’t get one person.
You get a system designed to get deals done.

If you’re a homeowner, investor, or Realtor looking for solutions, we’re ready.

Address

#302/19978 72 Avenue
Langley, BC
V2Y1R7

Website

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