Mortgage Architects™

The Greg Nowik Team

Mortgage Planning since 1989

Serving the Lower Mainland: 604-878-0877
Serving Vancouver Island: 250-758-5524
Toll Free: 1-866-958-5524

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Client Testimonials


Have a closer look at what our clients have to say...


We are very pleased with the ease of acquiring a mortgage plan with Greg that suits our long term goals. He is ready to give advice on short notice and responds quickly to our questions at any time. Thank you Greg!
- Neil and Gail

Thank you Greg, Jessica and the rest of the Nowik team for assisting with Mike and Susan's goal. They have improved their financial future and their quality of life. I genuinely appreciate all of the effort and hard work invested in these clients. thank you.
- James Fehr

It was a real pleasure dealing with Greg and his team. All of our meetings were low stress, everything was explained in terms we could understand and we left their office after every meeting feeling good. Our home sale and purchase went very smoothly with the help of Greg and his team. We have no hesitation recommending Universal Mortgage Architects to anyone. Thank you!
- Bill and Heidi

Greg Nowik puts you at ease instantly. No matter how bad the situation he lets you know there is a solution. Thanks Greg for you knowledge, patience, and optimism!
- Nancy Boyes

Thank you so much for your attention to all the details in order to make my first home purchase a joyful and memorable one. Greg and the team at Universal Mortgage Architects were amazing! You answered all my questions and concerns promptly and with great detail. I was impressed with all the service you provided me. I would highly recommend you to others looking and have done so already. Cheers, Vanessa
- Vanessa

I had the pleasure of meeting Greg Nowik recently. I was short of time and unsure of my intentions. Greg and his assistant quickly made me feel at home. His skilled questions guided me to consider several options re my situation. I was impressed with his generosity of spirit, knowledgeable nature and willingness to listen. I have benefitted by the CD he gave me called the Runway of Life, by Peter Legge. I plan to keep in touch with greg and his team.
- Diane

We have dealt with The Greg Nowik Team for years and have been extremely pleased with the service, personally, and with how they look after our clients. When we refer a client to Greg, we know it is looked after and most importantly that our clients are getting great service and the best rates and terms available. Greg is our preferred planner because he makes our life hassle free.
- Brian & Myles McCullough

I have used Holly Collin as my mortgage broker for the last 8 years. I find Holly's calm, reassuring manner very helpful in informing and educating clients. She is genuinely interested in her/my clientís best interests. I highly recommend her to all my family and friends.
- Gabriel Clark- Prudential Sterling Realty Ltd.

I brought in a very reluctant husband and our eldest son into your office. Your relaxed, practical approach put us at ease immediately. You helped mediate a reasonable budget for our new house and guided us all to your team of professionals. The whole process was so smooth and not stressful at all. Nadja, your assistant, was a delight to deal with also. We are both in our new homes and we cant say thank you enough!
- Cheryl, Rob & Matt

I have been a realtor now for 25 years. I have come in contact with many mortgages brokers as well. Most are good, some are great and few are just exceptional. By that I mean, return time from a phone call, email or text or an enquiry from me if I need some advise on a deal. A Broker who can close quickly or a Broker who will just find a mortgage for a client that other brokers havenít been able to do. Well, thatís Gale Tracet. My clients enjoy working with Gale as well. That is peace of mind. I have enough babysitting to do with various components of a real estate deal. When I recommend a client to a Mortgage Broker, it is important to know that my client is in great hands.
- Ray Phelan

Thank You for a very informative evening and the introduction to other great professional advisers. Not only did I learn a lot re being a better manager of my personal finances, ways to improve returns on my investments, new investment opportunities, access to informative websites, sound financial planning tips to enhance my net worth ------ also many new great tools and tips that I will be able to share with my clients. I have already talked with a couple of friends and clients and they would really like to come next time you do a presentation. Thanks again for all the great free advice and information. Cheers, Jen Stanger
- Jen Stanger

I am a senior citizen who after a great deal of thought and discussion with friends and family decided it was time to downsize. It was my real estate team who suggested that I might want to look at a mortgage broker for the funding of my new home. I must admit that i was rather sceptical and certainly hesitant to look at this option. I had always dealt with my bank and was uncertain about venturing out of my comfort zone. However, I finally agreed to take a chance and approach this option with an open mind. I was pleasantly surprised when i was introduced to Eddie Goncalves of Universal Mortgage Architects, and was soon being educated about the advantages of a mortgage broker. I certainly with i had known that they can get better rates and lower penalties for early payout of a mortgage. Eddie was very knowledgeable and took the time to explain everything to me. When my mortgage comes up for renewal you can be sure i will be knocking on his door again. There is nothing like saving money to make you a believer in a person or a product. I highly recommend his services and suggest you at least take the time to discuss your mortgage requirements with Eddie.
- Helen Nurss

Five years ago I thought I was going to lose my home as I was in the midst of a divorce. My focus at that time was, 'How can I stay in my home and not uproot my children during this difficult transition'. I was introduced to Greg Nowik and his team through a mutual acquaintance. I didn't lose my house and I went back to school to get my degree. Now five years later I have completed my educational goals and am working. I now have a new strategy that Universal Mortgage Architects has designed for me. It is to be mortgage and student loan free in less than ten years. I am incredibly grateful for all the research, strategies, and encouragement that has been provided.
- Charlene

My husband and I came to Universal to try and move our mortgage to a new lender. Unfortunately housing prices were not on our side. However, Greg and Nadja at Universal were extremely helpful and informative. While we were unable to do what we had hoped to, Greg opened our eyes to all our options, and gave us great information. I would recommend the team at Universal to anyone and everyone. I know when the time comes to move my mortgage we will be back. Kudos to Universal for amazing customer service!!!!
- Debbie McMillan

I wanted to say thank you again Lisa for going the extra mile in helping Gary and I with our mortgage and helping us get the best mortgage rate. Your knowledge, professionalism and attention to details was fantastic, you always kept us up to date with the process. Thank you again for everything and we are sure to send our friends and family your way. Fantastic service!!!. All the best. S. & G. Sutton
- Sonja Sutton

We just wanted to send you a little note to say thank you for all the work you did in getting the great rate on our mortgage. I would also like to say that in spite of all that didnít go as easy as we would have hoped, we did get into our new house and we are both very happy. I just wanted you to know that we appreciate everything that your team did for us. Elaine and I believe that your team got us a better rate than anyone else could have. We also recognize that when you are dealing with bankers, lawyers and real-estate sales people, things can and will go wrong. However, at the end of the day, your team got it done. I just wanted you to know that we will recommend you to anyone we know that may be looking for a house or new mortgage.
- Dave and Elaine

We are very comfortable recommending any of our clients to Greg for mortgage financing. He always gets back to us and our clients in a timely and efficient manner, with the best mortgage and rates for everyone. Thank you, Greg.
- Don

We wanted to especially thank you for the amount of time you spent with us. We have used a mortgage broker for every real estate transaction since the mid 1980ís, but none of them have been like you. You really are a different species of mortgage broker. We also appreciate the book very much Ė it comes at a particularly needful moment.
- Gary and Blanche

We were most impressed with the skilled and pragmatic approach that Lisa and Greg had with us and our financial situation. They took what seemed to be a huge burden for us and showed us how it could be an opportunity to be on a firmer financial foundation. What a relief. Thank you.
- Don and Joan

I wanted to thank Greg for helping me get the best rate possible when I renewed my mortgage. This is the second time of have dealt when Greg and his professionalism, caring and ability to put me at ease during this stressful process is greatly appreciated. Not only did he look at all the options available to me to renew my mortgage but he put my needs ahead of his own when he negotiated with my current mortgage holder which meant he was not paid by the lender. I also wanted to mention how his budget advise and work sheet during our first mortgage negotiation has changed my life. He provided me with a budget worksheet that he explained and was easy to use and made me aware of my spending habits and the fact that I had more disposable cash than I was aware of. I have stuck with this budget for all these years and it has really changed my life. Thanks again Greg, you and your team are the greatest and I would not consider any other broker for any of my mortgage requirements in the future. I highly recommend this professional team to anyone out there looking for an excellent broker who really cares about people and will always have your best interests first.
- Tina McCullough

We were unsure as to whether we would qualify for the mortgage we needed, and were impressed at how efficiently the Greg Nowik Team was able to provide the information we needed. We were extremely impressed with the service, prompt attention, and also found suggestions regarding other financial matters really helpful. Thanks to the team for their work on our behalf.
- Diane & Norbert

I just want to thank you for all the amazing work you did in getting me my place. It was the best decision I've ever made in my life. I really don't think that I could have ever done it without the help from you. I would never thought a year ago, when collection agencies were phoning me daily, that I would be able to actually have a mortgage and own my home. Greg and Cindy had fabulous people skills and customer service, and are by far the best I've ever dealt with. Thanks again for all the 1,001 questions and answers. I'll be referring you anyone I can; you're a miracle worker.
- Suzanne

We highly recommend Eddie's services as a mortgage broker. He helped us get an amazing mortgage plan suitable to our needs and was very prompt with his communications with us. We were dealing with him out of province and he made the process of getting our first mortgage very easy. He was able to answer all of our questions - and we had a lot! - and helped us understand the process and what was required of us. Thanks for all your help, Eddie! We love our new home! All the best!
- Laurel and Mark

Just wanted to say Thanks for your advice and direction. We're all set up now, and all went very smoothly. We appreciate your help, now its on to building our garage!
- Denise

A big thank you to all the team at Universal Mortgage Architects! They were able to respond quickly and have our mortgage organised on very short notice. Keep up the good work, our friend referred us well!
- Jason & Rachel

I have had the pleasure of working with Greg, Cindy, and the rest of the Greg Nowik team for over four years! This group of caring professionals have always been attentive, supportive, knowledgeable, and extremely efficient with every purchase that I have made. It is so comforting to know that all I have to do is pick up the phone and they will take care of the rest. I am a client for life!
- Carrie

Thank you for the exceptionally fast service in the approval of our client. You have exceeded our expectations. In addition, the feedback from our client was very favourable, and most noteworthy was that the client didn't have to take time off work for you to do your job.
- Ed

Having returned from traveling and at the beginning of re-establishing myself after a separation, Greg and Nadja were a great help in finding a mortgage company I could work with on refinancing my home. Your network of professionals made the whole process of completing the task quickly and efficiently, one of easy work with a minimum of hoops to jump through. Even with the added challenge of dealing across international borders, your team led me step by step and kept me informed along the way. I would be happy to recommend your services to anyone, particularly those who have what may seem a challenging financial situation.
- Wendy

When our bank changed our rate out of nowhere, Greg and his team were there for us. They gave us a level of service that was above and beyond what we expected. They were always available to answer our questions or help us, and they treated us like we were family. Not only did they give us a mortgage with little notice, but they gave us a better rate than the bank we'd dealt with for years. Thanks so much for making our home buying experience a positive one!
- Ali & Sascha

The Greg Nowik Team was very helpful to us as this was our first time buying. We had many many questions and they always answered them clearly and made the mortgage process easy to understand. We would very much refer The Greg Nowik Team to people we know. We appreciated their patience and the effort they made in getting us the best deal possible. My father spoke very highly of Greg Nowik and his team, when they got their mortgage, and now we can see why.
- Sally & Daryl

As a realtor, I am always looking for high performing professionals as referral sources for my valued clients. The first step in the home buying process, and often one of the most important, is finding the right mortgage broker. After several encounters, I trust Holly Collin of Universal Mortgage Architects to address all of my clientís needs from start to finish. Holly is very conscientious and is diligent about finding the best performing mortgage product for that particular client. It is no surprise that when the time came for my wife and I to start a new mortgage term, we turned to Holly. Holly worked hard to find the right mortgage to suit our needs and held a great rate for 120 days. Holly went above and beyond for us just as she had done many times for my clients. I would recommend Holly Collin without hesitation.
- Chris Drake- Remax Sabre

We found something quite different in Greg Nowik the Greg Nowik Team: top notch service, concern and individual care and attention. We were extremely impressed with the strategy they formulated for us, which they were able to tailor-make to our situation after being told by others it was not possible. It was also refreshing to find a service group that was extremely professional and accessible by phone and email. Although our situation was quite complex Greg and the team really did find a solution to our challenges and we highly recommend them be your needs simple or a complicated placement.
- Susan

Many thanks to the Greg Nowik Team for all of your hard work and persistence in finding us a lender and answering my many questions. You have helped make this process much more comfortable, and helped to educate me. I will be sure to recommend your services to anyone I know of who is purchasing a home.
- Tony

Thanks to Greg, we are now living in a lovely home. Greg was always concerned about our needs and did everything they could to look after us and our children. They work great as a team, and offered us the best service possible. Thank you, again.
- Lisa & Geoff

It was really nice to have the personal touch and not be obligated to deal with the bank. An overall much more relaxed process. Thanks!
- Janet

Greg Nowik always gives us prompt service, not to mention making the impossible possible. Thank you Greg for the many years of excellent service.
- Barry & Maria

Your quick, efficient service and pleasant manner with our clients has enabled us to go on with other business, rather than babysitting a bank and wondering what roadblocks our client might be facing. Thank you.
- Dennis & Gwen

It comes as a great irony that a broker such as Greg Nowik is able to service and do what is in the clients' best interest, yet remain in such a high standing with a multitude of lenders. Greg has become more than a broker to a number of my clients. He has offered sound, caring and well received financial advice that has left me looking like a connected genius for referring him. I would, in the interest of my clients, refer Greg before anyone else.
- Mike

Thanks to everyone for their hard work in helping me and my wife buy our home. I know that it was a very complicated deal- and it wouldn't have happened without everyone's co-operation and willingness to work directly together.
- Mike

Thank you for your speedy and efficient approval of all the clients I have sent you, even if they are a little hard to qualify. You make me job much easier. It is a pleasure working with you.
- Brenda

Greg and his team are one in a million; they will do anything possible within this universe to find you a mortgage that architecturally suits every one of your needs. Greg and his team have helped us change our future, not only by getting us a low mortgage rate but also by showing us how to think out of the box and make our money work best for us. Before we met Greg Nowik, we went about our daily life paying off our current mortgage in our conservative manor. NOW, we own three rental properties and also have a Financial PLAN for the future.
- Mike & Marcy

It has been a pleasure to have worked on several projects with Greg and his team. We first met Greg through a realtor and it was the best thing that ever happened to our financial portfolio. His team is very personable, professional and knowledgeable. They take the time to go over every option available to make you feel comfortable and to clearly understand your investment options. Greg took the extra time to make sure it was the right decision for us. I recommend Greg and his team to many people with no reservation. I will continue to work with him in the future.
- Ed & Melissa

Tentatively stepping out into the real estate investment market we had our first meeting with Greg even before we looked at properties. Greg showed us the potential that was in the equity in our home and completely shifted our financial paradigm. Five years later we have saved taxes, realized capital growth, and limited our exposure to the recent stock market melt down. This has been as a direct result of that first meeting and the mortgage solutions that Greg recommended. Every time we meet with him to review our portfolio Greg has priceless advice and continues to challenge our thinking. We would not be in the positive financial position we are in today if were not for Greg and his team.
- Bruce & Laurel

Greg got us a better rate from our primary bank than what our bank initially offered us. Not only is Greg the point person at his office, his team is second to none, assisting us and educating us through each step of the way.
- Barb & Denny

The other day we got a magazine in the mail, Style at Home, courtesy of your office. Since we first came to your office and re-did our mortgage, our entire financial picture and plan has changed for the better. Thanks very much for that, we sure appreciate it.
- Kevin

Lisa Thorpe has helped quite a few of my clients with their mortgage needs. She has been very punctual with keeping in contact with them and always keeps me informed throughout the whole process. wherever there is any concerns or issues the Greg Nowik Team seems to all help each other whenever possible. Whatever the challenges are, they always pull through. I would recommend Lisa Thorpe to anyone who wants a mortgage professional that will always work hard for you! Thank you Lisa!
- Natalie Nobert

My husband and I were trying to buy our first home, but we didnít have any credit history. Because of this, we werenít able to approach the banks for a standard preapproval even though we had more than a 5% down payment saved up. Lisa Thorpe was referred to us by our real estate agent who is a personal friend. The first thing I noticed about Lisa is that she loves her job and is enthusiastic about helping others achieve success. Lisa was able to work with us to find a creative way to access a mortgage. She helped us understand and navigate through the process and we ended up getting a competitive mortgage with a great interest rate, through a well recognized mainstream bank. Lisa is definitely one of the main reasons we have been able to experience that first time homeowner ďglow.Ē I will recommend Lisa and The Greg Nowik Team every time.
- Gail & Don

Just a brief note to thank Greg and Nadja for all the hard work they did on our behalf locating and placing a mortgage for us. We have been most impressed with the forthright manner and speed in which they accomplished this task. We have already referred The Greg Nowik Team to a number of people, and hopefully they will contact you in due course.
- Charles & Jeanne

Greg, I could not have gotten my home without you. Thank you.
- Dianne

Thank you for the excellent work you did on my behalf. After almost pulling out my hair trying to deal with my bank, I still canít believe how fast you got me approved, without any of the hassle.
- Gary

Greg and his team were extremely helpful and positive when it came time for me to look at a mortgage on my own. I did a lot of comparison shopping before finally choosing Mortgage Architects because for their top notch personal service. -Linda
- Linda

Itís been a real pleasure working with Universal Mortgage Architects. It all began with the development of a game plan designed to suit our needs. Greg Nowik and his team of professionals made it simple. In a very short period of time, we managed to pay off our mortgage, increase our assets and most importantly, have fun!
- Larry & Sarah

As we have ventured into the world of investment real estate, Greg has spent hours reviewing our plans, teaching and advising us. He has helped us navigate the world of investment financing, connected us to other professionals, and made the entire experience worthwhile. We will count on Gregís advice and guidance as we build our portfolio over the years to come.
- Ross & Sarah

Universal Mortgage Architects was totally helpful and top notch! Good job and thank you; I am grateful. Even my lawyer commented on what a good mortgage plan I had set up for me.
- Shelley



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