Feature Kelowna Real Estate Professional: Kelsey Surowiec

On behalf of Kelowna Life Real Estate, we’d like to welcome Kelsey Surowiec to the team. Kelsey is an excellent addition to Kelowna Life. She is passionate about sharing the incredible community we have in Kelowna with homebuyers.

Kelowna Upbringing

Kelsey was born and raised in Kelowna and is currently in the process of obtaining her real estate license. Kelsey chose to pursue a career in real estate in her hometown of Kelowna because she is passionate about promoting Kelowna and the Okanagan to homebuyers.  

As a Kelowna local, she can authentically declare that Kelowna offers everything that a big city does, but with a lot more warmth – figuratively and literally.

Kelowna offers stunning views, world-class vineyards, endless opportunities for adventure and rewarding career opportunities. One of the most rewarding things about Kelowna is strong community leaders who ensure that citizens and visitors have access to a variety of activities. It is also a community that values health and wellness.

There is a high level of pride in being a destination that is fun and memorable, promotes an active lifestyle and has the potential for everyone to build a fulfilling life.

Cultivating Expertise in the Okanagan Valley

After graduating with a Bachelor of Business Administration degree, Kelsey quickly earned industry experience and respect through roles in marketing, advertising, community development and franchise growth.

Kelsey had an integral role in growing Oranj Fitness, a locally founded business, from three to seven franchise locations in Western Canada. This was an incredible experience because she had the ability to support people as they achieved their dreams and transitioned from being business people to community leaders and influencers. She is excited to evolve these skills from helping people achieve their business goals, to facilitate goals of home and investment property.

Kelsey is a highly motivated and positive person. She possesses the ability to create a relaxing and inviting environment, while still navigating difficult situations. She’s confident these skills will ensure that the process of buying and selling a property will be a professional and enjoyable experience.

A New Chapter with Kelowna Life

Kelsey is wildly excited to have the opportunity to connect people with great properties in the Okanagan Valley and Kelowna area.

Her background and connection with Kelowna give her the tools and unique perspective that make her an incredible asset to the Kelowna Life team. Each team member brings a unique approach to business with shared values and goals.

Kelsey values dynamic human connections and believes each interaction you share is completely unique and is a beneficial learning experience. As a soon-to-be real estate professional, it is important to value and honour uniqueness in client relationships in order to connect them with their ideal real estate property and community.

She is highly motivated, energetic, has an acute eye for details and is determined to find accurate and important information efficiently. These are excellent qualities that Kelsey will bring to her future real estate career because clients can trust that she will have their best interests in mind.

The opportunities are endless in Kelowna. Ask Kelsey, and she’ll give you the inside scoop from where to find the most delicious americano to the best red wines and eats, the best playgrounds for the whole family and the finest romantic oasis. Kelsey looks forward to completing her licensing and is excited to hit the ground running.

Feature House Listing in Kelowna

okanagan kettle valley wilden property real estate professional Kelsey Surowiec kelowna life

View the Kelowna Life team’s feature listing at 13 875 Stockley Street | $599,900. Take in the amazing views of the mountains, lake, and golf course with this new home built in 2017. This beautiful 3 bedroom, 3 bathroom home featuring a bright functional kitchen with quartz counter tops, stainless steel appliances, corner pantry, and large island is situated in a quiet, safe cul de sac neighbourhood.

The main floor includes a master bedroom with large ensuite and walk in closet as well as main floor laundry, flex room/den, and large family/living room with gas fireplace. Upstairs offers 2 more bedrooms with great views, a functional loft area, and full bathroom. The home includes lots of storage area in the crawl space and double garage. It is close to hiking, golfing, the airport, shopping, schools, and big white. GST has been paid and fast completion is possible.

This gem of a home won’t stay on the housing market for long.

Contact Kelsey Surowiec for a resourceful, detail-oriented and energetic soon-to-be licensed real estate professional in Kelowna.

New Mortgage Rules in 2018

The Canadian government wants to provide new homeowners the ability to withstand rising interest rates. In 2017, the Canadian Government implemented changes for new applicants of high-ratio mortgages. The change was based on having applicants qualify at a higher interest rate, while still offering lower interest rates. By doing this, it ensured that if rates go up, these homeowners would still be able to afford the debt.

New Mortgage Rules in Canada

As of January 2018, additional mortgage changes have been implemented. The new 2018 mortgage changes simply take that philosophy and apply it to conventional mortgages. All Canadian buyers are required to pass a Mortgage Stress Test, which is essentially a worst case scenario. Homeowners must also qualify for the Bank Of Canada 5 year benchmark rate, currently set at 4.99%.

Borrowing Capacity on Buying a Home in Kelowna

New homeowners should expect their borrowing capacity to decrease based on the mortgage stress test. “The larger the gap between your pre-approved interest rate and the stressed rate will further impact/reduce your borrowing capacity.” However, new homeowners will not to be out of pocket any more on their monthly mortgage costs. For examples of the approximate reduced borrowing power under new stress test regulations, view the examples and payment calculator from Rampone Marsh.

Borrowing capacity is geared towards your GDS (gross debt service) and TDS (total debt service). An increase in these ratios, decreases your borrowing capacity. Placing a higher down-payment on your home, an increase in household income, or reduced debt will increase your borrowing power.

Kelowna Life’s Advice For Homebuyers

It’s important to have a good team surrounding you when it comes to your home purchase. Buying a home and signing a mortgage is a major milestone and a decision that requires qualified and trustworthy professionals.

It goes beyond just the real estate agent. A good mortgage broker can present different options and opportunities to make something work for your specific situation. We highly recommend doing some research on mortgage brokers in Kelowna or the Okanagan, or suggest using a mortgage broker recommended by Kelowna Life real estate professionals. We are happy to recommend trusted and knowledgeable mortgage brokers to our clients.

We have a great team at Kelowna Life Real Estate Group. It is imperative that you choose your representative carefully when making such an important decision. The help of our experienced team with extensive knowledge of Kelowna and surrounding area will ensure you make an informed decision. We listen to your needs, develop a custom tailored plan, and ensure every detail is taken care of so you can find the right home for you and your family.

Contact our hard-working and highly qualified real estate professionals at Kelowna Life today.  

Feature Kelowna Real Estate Professional: Rob Nelson

Rob Nelson founded Kelowna Life Real Estate Group in 2015 after deciding to move and enter the real estate market in Kelowna. His passion for Kelowna, and the Okanagan lifestyle has been a substantial part of Kelowna Life’s success.

Rob and his team of expert real estate professionals not only specialize in real estate, but truly believe in the City of Kelowna and love promoting the Okanagan.

Life Before Kelowna Life

Prior to founding Kelowna Life in 2015, Rob was an owner operator in the competitive nightclub industry in Alberta for over 20 years.

The decision to change career paths, and move to beautiful Kelowna happened while vacationing with his spouse, Andrea, in the summer prior to founding Kelowna Life. Rob and Andrea instantly fell in love with Kelowna’s gorgeous natural beauty, active lifestyle, and incredible community feel. It was during a dinner that summer on the stunning waterfront boardwalk at the Eldorado Hotel in the Lower Mission that they looked at each other and at the same time said, “we should live here.’

48 hours later, Rob and Andrea had purchased a brand new home in the Upper Mission, were on a flight home to Alberta to put an exit strategy into motion, and began building Kelowna Life.

In Rob’s first full year he finished in the Top 1% of all Century 21 Real Estate Agents in Canada in 2016, and as a group they won a CENTURION® Team Producer award in 2017.

The Okanagan Lifestyle

Rob attributes his success and unique approach to real estate from his previous experience and dedication to promoting the Okanagan.

The climate is incredible with four distinct seasons, and it strikes the perfect balance between a small town feel and big city amenities, including a world class hospital, and an international airport. Because of this, Kelowna and the Okanagan area are rare gems. It’s no longer just a place you go to vacation or retire. We have many young people moving here to raise their families or to succeed professionally.

Rob has a young family, so he knows first hand how great the Okanagan and Kelowna are for raising a family. There are so many outdoor activities to keep them busy and healthy including beaches, skiing, hiking, as well as extracurriculars for the kids, from dance to hockey. It also offers great education, including several college options and the University of British Columbia.

The thriving downtown core offers tons of local restaurants and shops, festivals, a great art district, as well as local wineries throughout the Okanagan Valley.

Economically, there is a growing business sector with a huge entrepreneurial community.

With so many great options, there is always something to do.

It’s clear that Rob and the team at Kelowna Life Real Estate Group truly believe in the City of Kelowna and love promoting the Okanagan. The growing team reflects these values and continues to strive for the best.

Cultivating Expertise in the Real Estate Profession

Rob’s background and personal interest in Kelowna has given him the tools to approach real estate from a customer service and business background as opposed to a more traditional sales relationship with his clients.

He has learned from the positive and negative personal experiences of purchasing and selling properties and businesses. These experiences allowed him to understand the ups and downs of buying and selling, and how to apply these experiences.

His previous industry is highly competitive and has a high failure rate. After a successful 20+ years in the hospitality industry, and work with agents in British Columbia and Alberta, Rob was confident that he could also excel and stand out in the real estate industry by applying the business principles he’d learned and his excellent work ethic.

These experiences, combined with his educational background has resulted in an ambitious work ethic and a team of focused experts who work diligently for their clients and constantly strive to exceed expectations.

Rob successfully understands how hard you have to work to maintain the right to continue to work with your clients and how you have to deliver on what you have promised.

Rob and the rest of the agents at Kelowna Life will continue to grow their incredible team of like-minded, service oriented, business minded individuals to maintain the high level of service their clients have become accustomed to.

They strive to continue to earn the privilege of representing their clients with their real estate needs while earning their referrals which have become the bloodline of their success.

Rob is truly thankful for all of their amazing clients and proud of Kelowna Life’s accomplishments in such a short time.

In the meantime, view Kelowna Life’s incredible property listings and learn more about the communities from Kettle Valley, to Wilden to the Upper Mission.

Feature House Listing in Kettle Valley, Kelowna

kettle valley kelowna property real estate kelowna life

This incredible new house listing at 5338 Upper Mission Drive, Kelowna BC | $879,000 won’t be on the market for long. Take advantage of the the opportunity to live in stunning Kettle Valley in the Upper Mission area in this updated 4 bedroom, 4 bathroom, 2600 square foot home with walkout basement.

The property includes a beautiful high end kitchen, vaulted ceilings, spiral staircase, and separate living area downstairs which could easily be a rental suite property.

This great family home is walking distance to Chute Lake Elementary School. There is endless space in this well maintained 0.99 acre lot for the kids to play, bike, hike or dirt bike all available to you right out your front door. Plus, endless storage opportunities for your toys, boats, or motorhomes.

This must see private oasis will not last long!

If you’re planning to move to Kelowna or the beautiful Okanagan area and looking for reputable real estate professionals, contact Rob Nelson from Kelowna Life today. 

Feature Kelowna Life Real Estate Professional: Jason Abougoush

Kelowna Life has developed lasting relationships within Kelowna’s community, and there are a few Real Estate Agents that we feel stand out due to their exceptional client service. In honour of the hard work and commitment that our Real Estate Agents demonstrate, we’re featuring Jason Abougoush to get into the holiday spirit!

Jason Abougoush is a Real Estate Professional with a background in business, and he is about to celebrate a successful first year at Kelowna Life Real Estate Group! We are honoured to have him on our team.

Jason is a Real Estate Professional, who not only sells real estate but also invests in revenue properties as well as development opportunities. Jason views real estate trading from a business mindset rather than a sales mindset. He says his experience in watching his family business grow taught him how to do business the right way, and that giving back to the community will always be reciprocated through business.

Jason also attributes some of his unique characteristics to his educational experience, where he studied finance for four years before obtaining his masters degree from the university of Calgary specializing in real estate development. He feels that this, combined with his experience in development, gives him unique insights that can provide clients a more clear understanding on what the construction or renovation process is like.

It’s clear that Jason stands out and excels as a real estate professional due to his unique experiences, his strong knowledge base, and ability to view real estate from a business mindset opposed to the typical sales mindset.

Jason has been living and doing business in the Okanagan his whole life, and his family has been living here and doing business for over 50 years! He believes Kelowna is an incredible place to live and do business; it’s a place that everyone works their whole lives to get to, and he’s honoured to have had the opportunity to have grown up here.

With Christmas right around the corner, the thing Jason is looking most forward to is catching up with and visiting his family. Jason has 10 Aunts and Uncles on the Abougoush side of his family alone, and Christmas dinner is usually at least 50 people. He says given that most of his relatives are also entrepreneurs, Christmas is one of the only times that he is able to catch up and enjoy time with those closest to him.

Christmas is a great reminder that there really is no better place to call home than Kelowna! Kelowna is an incredible place to live because of both the entrepreneurial opportunities and the natural beauty. Jason believes it’s the perfect demographic because it offers most of everything you get in a city with small town companionship and history. Kelowna truly is a thriving community with endless opportunities and options to get involved with sports, activities, and the community.

kelowna life wilden

Many people are aware that Kelowna is a cornerstone of entrepreneurial opportunity, but Kelowna is beginning to tip towards a strong, sustainable business economy. He believes in Kelowna and is confident that the economics of the city are starting to develop, partially due to thriving: tech, health, and educational sectors. The increase in sectors make Kelowna more than just a vacation hotspot.

If you’re looking for an honest, professional and caring real estate professional in Kelowna, contact Jason Abougoush from Kelowna Life today or take a look at some of the property listings on Kelowna Life.


2269 Bridgeview is one of Kelowna Life’s many outstanding homes to choose from. This fabulous home has been completely renovated top to bottom. It features 5 bedrooms, 5 bathrooms, a main floor master with a beautiful ensuite featuring corner tub and 2 person shower, a theatre room, enormous recreation/family room with wet bar, a huge loft area with balcony, high end appliances, complete with incredible lake and city views from this amazing 6000+ square foot family home, and it’s only 5 minutes to downtown Kelowna!



Relocating to Kelowna?

Partner with an Agent that Comes Recommended

Deciding to move to a new city, province or country can leave you feeling unsettled. What are the people like there? What neighbourhood would suit my family? Is it safe?

As the hundreds of unknowns fill your mind, stress and anxiety can take hold leaving you with more questions than answers. Without a local contact that you trust, you are left in the dark, scouring the internet for information that doesn’t quite answer the questions you and your family may have.


Paul and Andrea’s Story

The Kelowna Life Real Estate Team prides itself on being a reliable and trusted source for our clients here in Kelowna. The greatest feeling a real estate team can experience is receiving a referral from a satisfied client which is what happened in April of 2017. Paul and Andrea decided to relocate to Kelowna from the United Arab Emirates (UAE) for a new job opportunity and you can be sure that they were a little nervous and unsure. Luckily they had friends that had dealt with Rob at Kelowna Life previously and connected us with Paul and Andrea. This is the story about their relocation to Kelowna and their new Kelowna life:


My husband, Paul, received a job offer based out of Kelowna and we decided that he should take it. We had been living overseas for 13 years in the UAE and had never been to Kelowna before. British Columbia is vastly different than the UAE but we were committed to the move.

Our first visit was in April 2017 where we wanted to get a feel for the city and started to look for a house. Our friends highly recommended Rob at Kelowna Life. Rob showed us numerous neighborhoods and gave us insight to the different areas of Kelowna but ultimately, Upper Mission caught our eye. Our friends already lived in this area and it felt like a great fit overall. Before we knew it, Rob had found our Kelowna dream home in Upper Mission- we were very pleased with his service overall.

Moving to Kelowna has been a very positive change for us. It has a great vibe with so much to offer. People told us to expect company and it’s true. Our first visitors arrived 3 days after moving into the house and everyone has loved it! Our son came for a weekend visit and has decided to stay and get a job here he likes it so much.

We are very active people and have already enjoyed the hiking and biking and are very much looking forward to the ski season! Oh, and we love wine, so being in wine country is just an added bonus!


Paul & Andrea

Kelowna Lifestyle

We could not be happier for Paul and Andrea. They not only found a home in Kelowna, they discovered a new life based out of the Upper Mission. Kelowna has it own unique lifestyle derived from the mountains and pristine freshwater lakes that surround it. Regardless of the season, there is always a way to pass the time in Kelowna.


The Best Warm Weather Activities In Kelowna:

  • Hiking
  • Mountain Biking
  • Boating
  • Golfing
  • Fishing
  • Wine Tasting
  • Beach Days with Swimming & Paddle Boarding


The Best Cold Weather Activities In Kelowna:

  • Snowboarding and Downhill Skiing
  • Snowshoeing and Crosscountry Skiing
  • Ice Wine Tasting
  • Snowmobiling
  • Skating
  • Ice Fishing


Are you thinking of moving to Kelowna but are not sure where to start? We know the relocation process can be confusing and hectic and we are here to help. Just like Paul and Andrea, one of the Kelowna Life Team Members can give you all the information you require on Kelowna and show you the neighbourhoods that it has to offer.

Partner with a real estate team that you can trust. Your new Kelowna life awaits…


To get in touch with Rob or another member of Kelowna Life Real Estate, click HERE. 

Current State of the Market in Kelowna Real Estate

The state of the real estate market is always a hot topic. It seems like opinions change daily and it can be difficult to gain an accurate understanding of the “big picture”. Kelowna Life Real Estate Group prides itself on having a deep insight into our local market. Our finger is always on the pulse, so when the time comes for you to buy or sell, we can provide you with the solution that maximizes your dollar and more importantly, your happiness.


Growth Rates and Goldilocks

There was some concern in the past few months from some real estate investors when the Bank of Canada decided to raise interest rates at the same time as new regulatory changes were coming into effect. This could have caused stress for borrowers with uninsured mortgages and potentially cooled the market. The analysts that warned of a dip in the market said that a downturn would only last until early to mid-2018, which would then lead to a healthy rebound.

Well, it seems that we have dodged any major downturns here on the West Coast and the market has continued to grow at a healthy rate. Of course we want to see growth in the market, however, when the market grows too rapidly, there is also cause for concern. So what is the current state of affairs? We are in, what some call, a “Goldilocks Moment”. Not too hot, not cooling, just right. This is great news for buyers, sellers, and the overall health of our industry. As 2017 comes to a close in such a state, 2018 already looks promising, not only in Kelowna but all across Canada.


Now is the Best Time To Invest In Kelowna

Here in Kelowna and the rest of the Okanagan Valley, we have our own unique lifestyle and way of life. When it comes to healthy, inner provincial competition between Kelowna and Vancouver, many citizens get excited and start to brag a little. At the moment, you have one more thing to brag about as Kelowna is offering higher returns on real estate investments than Van-City and shows no signs of slowing down with a plethora of new, low-cost developments.

Colliers International is calling Kelowna, the “next great development hub”. Investors and homebuyers that are frustrated with Vancouver’s prices (and rain) are coming to sunny Kelowna to contribute to our continued real estate growth and resilience. On top of impressive growth rates and new developments, Kelowna is also a leader in the rental market for landlords. Kelowna has one of the lowest vacancy rates in Canada (lower than Vancouver’s rate for those keeping score).

What does this mean for you as a local home buyer or someone that is looking to move to Kelowna in the near future? It means that purchasing now will be an investment that should grow at a steady, healthy rate for many years to come.


Will Interest Rates Continue to Rise?

It appears that home buyers that require a mortgage will be safe in the near future with all the signs pointing towards controlled interest rates. Interest rates will increase at a rapid rate when there is a large spike in wage inflation. Wage inflation has been kept in check in almost all international markets due to globalization and the global supply of labour. Prices can only increase if consumers buying power (ie wages) increases at a similar or greater rate.

Another reason purchasing right now is a safe bet is due to the levels of household debt across the country. Canadians are carrying more debt than ever, and a large portion of that is high-interest debt, such as credit cards. If interest rates rose too quickly, a large portion of the Canadian population would be absolutely crushed by debt payments. By making smart investments (such as real estate) with debt instruments, you are saving for your future while being protected by those who are using debt in the wrong manner.

Regardless of the state of the real estate market, when you are looking to buy or sell, you want a team that is going to work harder than the competition to find you the property of your dreams while keeping your wallet in mind.


Let’s get started today! Send us an email or drop by our office on Harvey Avenue to grow your real estate portfolio!