Kelowna Real Estate and Mortgage Videos with Mike Lloyd and Dallas Crick
Every quarter, Kelowna mortgage broker Mike Lloyd of The HomeHappy Team sits down with realtor Dallas Crick of Hilbert & Crick Real Estate Group to talk about the market from both sides of a purchase: the home and the mortgage. Each video has its own page with the full transcript, so you can read it instead of watching. New videos are added here each round.
The Kelowna market right now
Dallas on what a quiet market looks like on the ground, and Mike on what it means for the mortgage side.
Dallas Crick · Hilbert & Crick
Kelowna Real Estate Is Boring Right Now, and That’s Good News for Buyers
Sellers adjusting to what the market will pay, more inventory, and buyers with time to sleep on a decision.
Mike Lloyd · HomeHappy
Quiet Market, Hungry Lenders: What a Slow Kelowna Market Means for Your Mortgage
More lender choice, better deals, and time to get pre-qualified properly.
Are you ready to buy?
Two sides of the same question: when to stop waiting, and how to know you’re actually ready.
Dallas Crick · Hilbert & Crick
Waiting for Permission to Buy a Home? A Kelowna Realtor on Buyer Regret
Why Dallas has never met anyone who regretted buying too early, and how he tells a serious buyer from a browser.
Mike Lloyd · HomeHappy
When Everyone’s Buying, It’s a Bad Sign: How to Know You’re Ready to Buy a Home
The lemming effect, being truly ready, and why you shouldn’t buy to your maximum approval.
Mortgage rates
What’s moving fixed rates in Canada, in plain English.
Mike Lloyd · HomeHappy
Why Are Bond Yields Rising? What It Means for Canadian Mortgage Rates
How bond yields push fixed mortgage rates, and Mike’s view on talk of more rate hikes.
Why we work together
Mike sends his own clients to Becky Hilbert and Dallas Crick. Here’s why, from both sides.
Dallas Crick · Hilbert & Crick
How Hilbert & Crick Earned Near-Perfect Reviews in Kelowna
Constant communication, what Becky brings that Dallas doesn’t, and no cut corners anywhere in a deal.
Mike Lloyd · HomeHappy
Why a Kelowna Mortgage Broker Sends His Clients to Hilbert & Crick
Trust, a system that works, and a team that tells clients the truth about what they can afford.
Predictions and the hot seat
Every quarter we put our calls on the record and check who got closest. Then each of us gets sixty seconds of rapid-fire questions.
Mike and Dallas
Kelowna Predictions Scorecard: Inflation, Oil, Home Prices and First Snow
The running scorecard, updated each round with who got closest.
Mike Lloyd · HomeHappy
60 Seconds with Mike Lloyd
His first job, the 13¾% rate he once paid, where the HomeHappy name came from, and testifying in Ottawa.
Dallas Crick · Hilbert & Crick
60 Seconds with Dallas Crick
His scariest flight, the best patio in town, and Kelowna’s most underrated neighbourhood.
About the author:
Michael Lloyd has been in mortgage lending since 1988 and a licensed mortgage broker since 1999 (BCFSA licence #087740). He founded and led DLC Canadian Mortgage Experts to over $1.8 billion in annual mortgage volume before returning to full-time client work. Michael leads The HomeHappy Team @ Canadian Mortgage Experts, co-brokering under Indi Mortgage, serving homeowners across British Columbia with strategy-first mortgage planning and lifetime mortgage management. In 2017, he testified before the House of Commons Standing Committee on Finance on Canada’s mortgage rules — two of his three recommendations became federal policy in 2024.
