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.