Why a Mortgage Broker?
As your independent mortgage advisor I give you the power to choose the best financing solution so you can make an informed decision.
Pauline is a licensed independent mortgage advisor. She is not a bank employee and works with many lenders from banks to mortgage companies, credit unions and private lenders. With over 30 years’ experience in business, sales, and marketing in a variety of fields including international trade, operations, manufacturing, technology and finance she can relate to people regardless of their profession. She has been self-employed for the past 20+ years, giving her the ability to appreciate the unique needs of business owners and help them set strategies to achieve their goals.
Pauline has a wealth of experience for traditional mortgage options as well as alternative financing solutions. She collaborates with business owners and real estate investors who need solutions not always available with traditional banks.Her attention to detail and “never give up” attitude has helped many clients with credit challenges to secure financing when they thought it wasn’t possible.
Pauline is a certified specialist for CHIP Mortgages and the Manulife One Mortgage which offer solutions for those ready to retire or already retired. These programs help homeowners over 55 stay in their home while improving cash flow they may use for investing, medical care and quality of life.
“As your mortgage advisor I take an interactive approach in getting to know you and to understand your plans for the future. With a clear picture of your needs, I can provide you with a match to the right mortgage financing. You are not a number. You have the right to personal service and respect. Having me on your team makes all the difference. Personal service and getting the “job done” properly are the cornerstones to my business and the reason clients continue to seek my support as their trusted advisor. ”
Pauline is a business graduate of BCIT, the Self-employment Program at Douglas College and received her accredited license from the Sauder School of Business (UBC) for mortgage financing.
She immigrated with her family from Great Britain to Vancouver when she was a child. She has lived in the Greater Vancouver area since and a long-time resident of Port Moody with her husband and children.
What our customer says
“Pauline Tonkin was instrumental in helping my wife and I purchase our new home. Like many new home owners, we had many questions about the type of mortgage that would best meet our needs. Each time, Pauline provided us clear answers, and showed patience in all her dealings with us. Rather than selling us a product, Pauline explained to us the pros and cons of each mortgage and the various mortgage clauses. Pauline also took the time to meet with us on many occasions, which helped appease our home buyer’s anxiety. Since purchasing our home, Pauline has also been a great resource, providing referrals when needed for tradespeople and services. I fully recommend Pauline Tonkin as a mortgage broker.”
Hugues Hervé, Coquitlam BC Ph.D. | Clinical-Forensic Psychologist | Expert Witness | Trainer and Mentor | Practice Director | Bridging Science and Practice
“After getting to know Pauline through a networking group we belong to I knew that referring her to my client who was looking for her first home was a smart move. Pauline took the time to help my client understand the process of getting her first mortgage. Pauline saved her money over what her bank had been offering her, and made the whole experience a positive one. Pauline knows her business very well and she does an exceptional job of educating people on the steps they can take to improve their credit score and prepare themselves for taking on a mortgage. She has saved many people money on their renewals as well. I have great respect for mortgage brokers and Pauline is one I can recommend without hesitation.”
Margaret Reynolds New Westminster BC | Marketing Associate at Scotia Wealth Management
“I have had the pleasure of doing business with Pauline for seven years now. It is with great ease that I recommend her services to you. Pauline is easy to talk to and very responsive to requests for information. She displays a high level of integrity and is very efficient with my time. She is up to date with the latest technology and makes financing a comfortable event where I felt respected. She has been a great find!”
Neil Mckinnon Vancouver Island | Fleet Manager, Conair Group Inc.
“I used Pauline for my first real estate transaction. She took the time to answer all my questions and provided lots of helpful advices based on my situation. It was also great knowing that she was able to compare all the different options for me and provide the best possible rate. I will definitely use her services again in the future.”
Frédéric Cadrin Vancouver BC , CTS | Specialist, Audio Visual Services at Borden Ladner Gervais LLP (BLG)
“Pauline demonstrated a high level of professionalism while being very personable. She took away a lot of the stress of choosing a mortgage and her expertise was invaluable.”
Darrell Andrews Port Coquitlam BC | Project Coordinator at Euro-Rite Cabinets Ltd.
“It was a pleasure to work with Pauline who provided fantastic service when we were looking for the best mortgage for us.”
Phil Gérard Vancouver BC | President, Gérard Consulting – Fundraising Talent Management
“Pauline is extremely professional and an unbelievable mortgage broker; she is very knowledgeable and hard-working. Pauline was able to attain an excellent mortgage rate for a recent home purchase; she went above and beyond her duties as a mortgage broker. I would highly recommend her to anyone who is a new or experienced home buyer, looking to purchase a new home or investment property. She will help you attain the best rate and lender, and is guaranteed to provide you with the most caring, effective and positive service.”
Melissa Hogan Port Coquitlam BC | BC Territory Manager at Boston Scientific
“Pauline is a very professional and caring mortgage broker. She has genuine concerns for the welfare of her clients. It was not easy for my family to get a loan because we are new migrants, but Pauline made it easy and convenient for us. After our transaction, Pauline has been my go to person for anything and everything, and she is always willing and able to help. I wish Pauline more business and allow others to experience her exceptional support!”
Ma Leticia Sabaten Port Coquitlam BC | Customer Service Manager at Photon Control Inc.
“Pauline was my and Ariel’s champion. She secured us a mortgage for a very tricky deal (assignment/mid-build) where I’d bet some brokers would have thrown in the towel. We hit every bump you could imagine, but Pauline took these hurdles in stride and navigated them with relative ease. I would not be sitting in my very first home right now, if not for her hard work and dedication to her clients. We we’re lucky to have her on our side, and she will be our go-to as long as we are in Vancouver. ”
Adam Steele Vancouver BC | Founder, CEO, Internet Entrepreneur
“It was a blessing that Pauline became our mortgage broker for our first home in Canada. As new immigrants, she understood very well our needs and constraints and worked expeditiously to make our dream house a reality. Highly customer oriented, with an infectious personality and with genuine concern that was heartfelt. We had no doubt we were in very good hands from the start. Definitely highly recommendable. Thanks Pauline and more power to you!” Raymund Sabaten, Port Coquitlam BC MBA | Project Management and Supply Chain Professional
“First-class customer service, extremely detailed and highly experienced in the industry to make sure you get what you need to close your purchase. Not only that, Pauline is a delight to work with – respectful, prompt and makes a stressful process hassle-free. Simply put – you can trust Pauline’s expertise and sincerity to take care of your mortgage needs for you, and can connect you to other professional services who can deliver when there are time-crunches.”
Jacqueline W. Coquitlam BC | Operations Manager | Certified ScrumMaster
“Last year I researched options for my mother, who owns her own home but has a small pension, to be a bit more flexible with her money. I contacted Pauline, our family’s Mortgage Consultant who explained some possible solutions. The reversed mortgage concept particularly appealed to us as it allows my Mom to have access to cash when she needs it, which makes her feel more comfortable and less anxious about potential large expenses in the future. Pauline was a wonderful resource and sounding board for us and guided us every step of the way. My Mom, who is the careful type, had tons of questions and Pauline took the time to answer every single one. The reversed mortgage has been a real blessing for my mother. Thank you, Pauline!” Phil Gerard Vancouver BC
“Pauline came highly recommended and she was still able to deliver above and beyond our expectations. I have already referred Pauline to some of my friends and am sure I’ll be doing more of this in the future.”
Kevin Mueller North Vancouver, Squamish BC | Sales & Business Development
“Pauline helped me to secure a mortgage at an exceptionally low rate. Her communication during and after the pre-aproval and contract process was outstanding, and I appreciate her expertise and the speed and ease with which she helped me secure a loan and complete the mortgage paperwork. I thoroughly enjoyed working with Pauline, and would not hesitate to recommend her services to anyone.”
Quentin Vandermerwe Port Moody BC | Storage and Compute Architect at Cogeco Peer1
“I have known Pauline since October 2009 when I started looking for a mortgage. It took more than one year till I became ready to buy a condo and took a mortgage. She helped me borrow the right amount of mortgage at the best time and with an exceptionally low interest rate. The interest rate was surprising low at that time. She gave me all the information that I needed and answered all of my questions. She is very professional and excellent at her job. I did all the paperwork through email with her, and during the entire process only once I had to meet her to sign the documents. Since then she has answered my questions and has helped me to make any change that I wanted in my mortgage. Her experience helped me to get approved the first time that I applied for the mortgage. I certainly recommend her to everyone.”
Alireza Motieifar Coquitlam BC | Electronics Engineer at Topcon Positioning Systems
“We have been refereed to Pauline by a friend of ours. Even though we are not in her immediate area of her office she was helpful in getting our information resulting a mortgage! Pauline went to work for us putting a deal together that wasn’t a easy situation. Pauline had the patience to work with us as long as it took to get the deal done, we consider her an asset and a friend!!”
Merlin Covlin | Merj Ventures
“Pauline has worked with many members of the Real Estate Action Group to help them achieve their financing goals. I always get positive feedback. She is hard working, creative, knowledgeable, and thinks “out of the box” to get people approved for their financing needs.”
Ralph Case Vancouver BC | Coaching & Education for Real Estate Investors / President, Real Estate Action Group
“Pauline was great to work with. She listened, had practical advice to share, and made it easier to buy our first home. Thanks again!”
Sarah Salmond | Administrative Coordinator at City of Surrey
“Pauline was referred to me by a coworker. She is excellent at her job and I highly recommend her. She is professional, knowledgable, listens well and has excellent suggestions. We will definitely go back to her for our next mortgage or investment property.”
Marika Stephenson Vancouver Island BC| Clinical Applications Specialist at Boston Scientific