1. Website Terms and Scope
These Terms describe the conditions for accessing and using the website at bcmortgagesonline.com ("Site"). They govern your use of the Site only. If you do not accept these Terms, please do not use the Site.
These Terms do not replace any client consent, disclosure, brokerage engagement, mortgage commitment, lender or insurer document, or other agreement connected with a mortgage transaction. Applicable law and the separate documents issued or signed for a transaction continue to govern those matters.
2. Services Description
BC Mortgages Online is a website and trade-facing service, not the licensed brokerage. The Site provides general mortgage information and ways to contact Milka Lukacevic. Milka is a registered submortgage broker in British Columbia who works through TMK - Trusted Mortgage Knowledge Inc. Any mortgage applications and brokerage services are handled in that capacity and under the applicable separate documents and regulatory requirements.
- Mortgage pre-approvals and applications
- Mortgage refinancing and renewal assistance
- Rate comparison across multiple lenders
- Mortgage advice and consultation
On many standard lender-paid files, a borrower may not pay a direct broker fee. Private or alternative financing can involve lender and broker fees. Any applicable fees are disclosed before commitment.
3. Not Financial Advice
Information provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and conditions displayed are subject to change without notice and may vary based on individual circumstances. Consult an appropriately registered mortgage professional and any required legal or tax adviser before making financial decisions.
4. Site Eligibility
To submit personal information or a mortgage inquiry through the Site, you must be:
- At least the age of majority in your province or territory (19 in British Columbia)
- A resident of Canada or seeking to purchase property in Canada
- Providing accurate and truthful information in all applications
5. User Responsibilities
When using the Site, you agree to:
- Provide accurate, complete, and current information
- Promptly update information if it changes during the application process
- Not misrepresent your identity, income, or financial situation
- Respond to requests for additional documentation in a timely manner
- Not use the Site for any unlawful purpose
6. Rate Information
Mortgage rates displayed on our website are illustrative snapshots and may not be available to every borrower or property. Actual rates may vary based on:
- Your credit score and history
- Loan-to-value ratio and down payment amount
- Property type and location
- Amortization period and term length
- Whether the mortgage is insured or conventional
Rates are subject to change at any time without notice. A formal rate commitment is only made through a written mortgage commitment letter from a lender.
7. Calculator Disclaimer
Mortgage calculators on this Site provide estimates only. Results are based on the information you enter and standard assumptions. Actual mortgage payments, affordability, and insurance premiums may differ. Calculator results do not constitute a mortgage offer or guarantee of approval.
8. Intellectual Property
Content on the Site — including text, graphics, logos, images, and software — may be protected by copyright, trademark, and other intellectual-property laws. You may not reproduce, distribute, or create derivative works from protected content except as permitted by law or with permission from the relevant rights holder.
9. Website Information and Liability
To the extent permitted by law, Site information is provided without a guarantee that it is complete, current, error-free, or suitable for a particular transaction. Decisions about a mortgage should be based on the applicable written lender, insurer, brokerage, legal, and transaction documents, together with advice appropriate to your circumstances.
Nothing in these Terms excludes or limits any right, remedy, responsibility, or liability that cannot lawfully be excluded or limited. Responsibility connected with mortgage brokerage services or a mortgage transaction is governed by applicable law and the separate documents and relationships involved.
10. Third-Party Links
The Site may link to third-party websites such as lender or government resources. Those third parties control their own content, privacy practices, availability, and terms. Review the applicable third-party information before relying on it.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of British Columbia.
12. Changes to Terms
These Terms may be revised as the Site or applicable requirements change. A revision will be posted on this page with an updated date.
13. Contact
For questions about these Terms of Service, please contact us:
- Email: milkamortgages@gmail.com
- Phone: (604) 340-7673
- Address: 205-2571 Shaughnessy St, Port Coquitlam, BC V3C 3G3