As a first time home buyer, the experience at first deemed daunting, but Kevin made the entire experience so much easier and guided us through the whole process from start to finish. He went above and beyond, answering our many questions and sharing his wisdom. 2 years later, he is still giving us excellent advice! I’ve recommended him to all of my friends and family who are considering buying a new home, as I know they will be in very good hands.

Jackie S.

The large banks turned us down when we were looking to borrow against our house to pay off some debt. Kevin was able to find us a mortgage at a very good rate which paid off all our debt! We highly recommend Kevin. He is someone you can trust, and who will work very hard on your behalf to find what you need.

Marlene Eaton

Kevin has helped us multiple times with our mortgage needs. Because of his mortgage expertise, our family is in a much better place financially than before. Not only did he help us secure an excellent mortgage, he has also been in regular contact with us, helping us lock in at an incredible rate at the perfect time. Couldn’t recommend him more!

Brittany Bodill

Kevin has persevered and helped us get what we need several times! We appreciate his initiative to go above and beyond to help our family get the best rates and save us money. Trustworthy and reliable service!

Charlene Brown

As a service provider, Kevin Bay is unquestionably outstanding. Throughout our entire engagement, he made things easy. He knows his industry practice exceptionally well and went the extra mile (several times) to help me reach my goals and understand the intricacies of how the lending business works.

He has integrity, and frequently demonstrated a keen interest to help me avoid unnecessary costs as well as mitigate contractual risk. What resonates with me most about Kevin is his consistent reliability and responsiveness – Kevin was always available and quick to respond to all of my questions (there were many). He added tremendous value, and stood out for me as a 1st rate service provider who cared about my experience and success.

John Paul Manianis


Kevin has represented us twice as a mortgage broker. Each time he has been exemplary in his efforts to have everything done accurately and on time. Kevin is also extremely diligent in obtaining the best mortgage rate possible and he puts all of the required paperwork together seamlessly. It is not necessary to concern yourself with all of the details as Kevin does it all. If you are looking for an extremely personable and professional mortgage broker – don’t look any further than Kevin Bay.

Rich Goddard

I used Kevin as my mortgage broker for the purchase of my first home and I couldn’t be happier. Being inexperienced with this sort of thing I had lots of questions for him and he was always so quick to get back to me about everything I asked. I’m glad I got to work with Kevin and I will be using him again in the future.

David Kobilke

As a 1st time home buyer, my husband and I needed a lot of guidance in applying for our very 1st mortgage. Referred to Kevin Bay by our realtor, we realized that we could not have been in better hands. Kevin’s knowledge and much appreciated guidance had quickly and smoothly gotten us our very 1st mortgage and at an incredible rate also. We were truly blessed to have known Kevin & have his expertise guide us in the whole process making it less stressful than it could be. We would definitely use Kevin in the future and would gladly recommend him to all our family & friends.

Linda Ngo


Kevin was an amazing help to my husband and I when we had to remortgage our home recently!
He helped us to navigate through endless paperwork – I don’t think that we could have organized everything as well as he did – and he managed to get us an amazing interest rate (and I thought we had a great rate before)! Our mortgage payments dropped almost $400 per month – and for a young growing family it was so helpful.

We are planning on moving into our forever home soon – and Kevin offered to help us navigate the system again, AND is willing to assist us with some decision making along the way. We both really appreciate the help, caring and dedication Kevin has shown us!

Nicole and Cory Walby

Kevin assisted me in buying my first house in Canada. Working with Kevin made the process seamless and all the documentation and approvals were done in no time at all. Kevin provided us with great guidance throughout the process. His knowledge and fast response were highly appreciated, it was great working with him.

Mauritz Lundt