Guiding you forward
The HomeHappy Team is led by Michael Anthony Lloyd, a BC mortgage broker since 1999 and in mortgage lending since 1988 (BCFSA licence MB614593). Everything on this page can be checked at its source: the public has voted the team Platinum for Mortgages and Brokers in Kelowna four years running (2023 to 2026), clients have left over 260 reviews across Google and Rate My Agent, and Michael’s 2017 testimony to the House of Commons Finance Committee is in the parliamentary record. Each item below links to where you can verify it.
| Recognition | Year | From | Check it |
| CommunityVotes Kelowna: Platinum, Mortgages and Brokers | 2023, 2024, 2025, 2026 | Public nomination and vote | 2026 results |
| CommunityVotes White Rock: Platinum, Mortgages and Brokers | 2020 and 2025 (Gold in 2021) | Public nomination and vote | 2025 results |
| Rate My Agent: top 3 mortgage brokers in Canada | 2025 | Client reviews | Profile |
| Three Best Rated: Langley mortgage brokers | Listed 5+ years | Independent inspection | Listing |
| House of Commons Standing Committee on Finance: witness | February 1, 2017 | Parliament of Canada | Transcript |
| Canadian Mortgage Professional Hall of Fame | 2017 | Independent panel of industry leaders | Profile |
| DLC Elite Hall of Fame | 2016 | Dominion Lending Centres, from funded volume it recorded itself | Noted in CMP profile |
| BCFSA mortgage broker licence MB614593 | Active | BC Financial Services Authority | Registry |
On February 1, 2017, Michael testified before the House of Commons Standing Committee on Finance (meeting 68) on Canada’s mortgage rules. He made three recommendations, and two of them became federal policy in 2024. Read the official transcript or what he told the committee and what came of it.
CommunityVotes runs yearly nomination and voting campaigns in BC communities, and the results are published by category. In Kelowna, The HomeHappy Team has won Platinum in Mortgages and Brokers four years in a row: 2023, 2024, 2025 and 2026. In White Rock, where the team is listed as The HomeHappy Team @ Canadian Mortgage Experts, it won Platinum in 2020 and 2025, and Gold in 2021.
Clients have left over 260 reviews across Google and Rate My Agent. Rate My Agent ranked Michael in the top 3 mortgage brokers in Canada for 2025. Three Best Rated has listed the team among Langley’s mortgage brokers for more than five years, after its own 120-point inspection.
Canadian Mortgage Professional inducted Michael into its Hall of Fame in 2017. Inductees are chosen by an independent advisory panel of industry leaders for achievement and leadership over 20 or more years in the mortgage industry, not for a single year’s sales.
Dominion Lending Centres named Michael to its Elite Hall of Fame in 2016, when Canadian Mortgage Experts joined DLC’s $1 Billion+ Volume Club. Unlike rankings built on numbers brokers report about themselves, it is based on funded mortgages DLC recorded and verified itself. Both honours recognize the years Michael spent building Canadian Mortgage Experts, the brokerage he still owns. The CMP profile was written while the brokerage was part of DLC; today the team co-brokers under Indi Mortgage.
Michael Anthony Lloyd is licensed as a mortgage broker by the BC Financial Services Authority, licence MB614593 (BCFSA record). The brokerage, Canadian Mortgage Experts Inc., holds licence MBX612920 (BCFSA record). Michael is also listed in the Verified Advisors directory. For who he is and why the team works the way it does, see About Michael Lloyd.
No paid placements and no self-reported rankings. Michael doesn’t enter contests built on volume figures brokers submit about themselves, because they measure dollars funded rather than how well clients are served. The one volume-based honour on this page, DLC’s Elite Hall of Fame, came from funded mortgages DLC verified in its own records.
Yes. Michael Anthony Lloyd is licensed by the BC Financial Services Authority as a mortgage broker, licence MB614593, and the brokerage, Canadian Mortgage Experts Inc., holds licence MBX612920. Both records are public on the BCFSA registry.
CommunityVotes Platinum for Mortgages and Brokers in Kelowna in 2023, 2024, 2025 and 2026, and in White Rock in 2020 and 2025, with Gold in White Rock in 2021. Michael was also inducted into the Canadian Mortgage Professional Hall of Fame in 2017, chosen by an independent panel of industry leaders, and the DLC Elite Hall of Fame in 2016, and Rate My Agent ranked him in the top 3 mortgage brokers in Canada for 2025.
On Google and Rate My Agent, which together hold over 260 client reviews. Three Best Rated also lists the team among Langley’s mortgage brokers.
Yes. On February 1, 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. The transcript is on the Parliament of Canada website.
Michael chooses not to enter them. Rankings built on volume figures brokers submit about themselves measure dollars funded, not how well clients are served. This page lists public votes, client reviews, independent listings, the public record, and one volume honour DLC verified from its own records.
Call or text 604-833-4663 (HOME) or book a free, zero-pressure strategy session.
Last reviewed October 17, 2026 by Michael Anthony Lloyd.
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