Derek J. Kenmuir


Subtitle

Debt Consolidation

Derek works hand in hand with the best of the best Debt Specialists, and we can reduce your debt by up to 80%, often eliminating that debt within a reasonable timeframe that works best for you. The Debt Specialists we work hand in hand with in Vancouver work for you, not your creditors, so you are assured your best interest is our priority.

After your initial consultation, which is absolutely free, we will create a plan to eliminate your debt; offering options you may not have thought possible. We will work with you to create a manageable budget and rebuild your credit.

With several debt restructuring, consolidation, and settlement programs available, we will find the solution that works best for your situation.

All our clients are treated with the highest respect and discretion is our guarantee.

Don't let your debt bury you alive, contact us today for your free Financial Analysis and Debt Consolidation.

For More Details please contact me today!

Residential Mortgages - Pre-Approval - Renewal - Refinancing 

Many Canadian homeowners pay too much for their homes because they are not getting the best residential mortgage financing available in the market. Shopping for the best mortgage not only takes time and effort, but also requires specialized expertise to compare competing bank others and terms. 


The mortgage process can be intimidating for homeowners, and some financial institutions don’t make the process any easier. But we are here to help!


We work with specialist which are independent, unbiased, experts and we help Canadians like you and your family across the country move into a home they love.


Our Mortgage Advisers have access to mortgage products from over forty lenders at our fingertips and we work with you to determine the best product that will fit your immediate financial needs and future goals.


Our mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage. We save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal.


So whether you’re buying a home, renewing your mortgage, refinancing, investing or consolidating your debts, your  mortgage adviser is an expert that can help you get the right financing from the right lender, at the right rate.


For More Details please contact me today!


Home Insurance 


Home insurance that’s as unique as you are.

Whether your home is a house, condo, or rental apartment, it is often your largest and most important possession. For that reason, Derek believes it deserves equal care and responsibility. Protecting you, your family and your personal valuables is just the beginning of the difference. We take the time and verify that your home and valuables are adequately protected. You won’t get painted with the same brush.

Get a quote today.

We also offer property insurance for cottages, trailers, secondary dwellings and farms. Our customized policies are designed for wherever you call home, regardless of your living arrangements. We’ll help you secure a policy that goes over and above and often includes added features, so you can spend less time worrying and more time enjoying.


Your home insurance safeguards you from financial loss and will provide you with a refund if your home or personal effects are stolen or if another unforeseen situation arises that is specified under your property policy. If you do have a fire for instance, your home (and garage) or portions of, will likely need to be rebuilt. You will be reimbursed for the value of items, such as furniture, clothes and computers, or the items will be replaced. Your policy will also pay for some of your extra living expenses should you not be able to live in your house while it is being restored. Alternate living arrangements, storage and meals are some of the things covered.

For More Details please contact me today!

Pet Insurance

Do you have pet insurance for your best friend?

Pets are an integral part of any family, and we don't like to think of our pets getting sick or injured, but it can happen. Derek works with Pets insurance specialist to provide customized insurance coverages that will provide your pet with the protection it deserves.


With coverage designed by Canadian veterinarians and pet owners, our coverage has completely reimagined the way pet insurance works. We offer different coverage options to fit your needs: Wellness Care, Accident, and 2 different levels of comprehensive Accident & Illness coverage. Further to that, all coverage options include enhanced membership in the Pets Plus Us Community, our 4Life Guarantee, Blue Ribbon Benefits, and so much more.


For More Details please contact me today!


RESP - Registered Education Savings Plan

Derek works with the leading group of RESP providers in Canada with over $2.65 billion in assets and 50+ years of experience. We are RESP experts. Unlike the big banks, the distribution of RESPs is all we do. We're passionate about helping you make the most of your Canadian RESP savings, from managing your paperwork to making sure you get the grants you're entitled to. But most of all, we'll ensure that your money is available for you when you need it while your child collects funds for education and limitless opportunities for the future.


Your net contributions and government grants are invested in fixed-income lower risk investments such as government bonds and GICs and pooled income in the plans can be invested in a mix of Canadian equities and US and Canadian Exchange Traded Funds (ETFs) and corporate bonds. Both investment strategies provide a competitive and consistent return over the life of the plan. Best of all, the earnings on these investments (including the government grants) are tax-sheltered. So save for your child's post-secondary education today and let the government help you pay for it tomorrow.


For More Details please contact me today!