890 Short Street,
  Victoria, British Columbia
  V8X 2V5

  Phone:  250-658-9315

  Fax:  250-658-9316


Broker Profiles


Sandy Higgins, AMP


Sandy brings to the Mortgage Centre - Island Properties team over thirty years experience as a former Credit Union Branch Manager.  She is an Accredited Mortgage Professional  who provides the “hands on” knowledge and experience in the mortgage financing industry including residential, builder mortgages, and commercial.

Sandy has built a superb team of talented and experienced mortgage brokers who adhere to the company philosophy of client service excellence and re-investing in the local community. As a result of her dedication in 2013 Sandy received the CAAMP - MBABC Award for her outstanding contributions to the mortgage industry on a provincial & national level & was also one of eight finalists nominated for the Canadian Mortgage Awards in the Broker of the Year category.

Email: sandyhiggins@ipmortgages.ca


Pat Dodds, AMP


As a Mortgage Specialist with The Mortgage Centre, I am pleased to provide you with a wide range of mortgage products from leading Canadian lenders so you can enjoy options and more choices. I have the skills and experience to deliver your ideal mortgage solution.

In a 25 year career with CIBC I provided innovative financing solutions to thousands of clients. And today, I am able to deliver even more mortgage options to you. My financial background allows me to give you an “added value” experience. Whether you are buying your first home, upgrading, refinancing, renovating or investing, I will deliver the home financing solution that's right for you.

I believe in providing prompt, professional service, and doing what’s right for my clients every time. And, as a mobile professional, I am happy to meet with you anyplace, anytime to provide mortgage advice and personalized service.

Jordan Higgins


Jordan started with the Mortgage Centre – Island Properties as a mortgage assistant 13 years ago and became a licensed broker inOctober 2010.  Jordan has gained her knowledge and experience from the most experienced brokers in the office and is ready to assist you and your family.  Her job as a mortgage broker is to not only help you achieve your dream of home ownership, but to strategize with you to find a mortgage product that meets all of your needs now, and will help you achieve your goals in the future.

Whether you're a first time home buyer, renewing an existing mortgage, refinancing, buying a rental property, looking for ways to pay off your mortgage early, or a senior wishing to stay in your home, she will be able to help answer your mortgage questions.


Jill Dodds


Jill was in the mortgage industry for 8 years before coming to work at The Mortgage Centre - Island Properties as a licensed broker in November of 2010. She started her career at CIBC then went on to Island Savings Credit Union before deciding to become a mortgage broker.

She focuses on providing exceptional customer service to all of her clients both during the process of putting the mortgage in place as well as throughout the term of the mortgage. Jill understands that people are busy in their day to day lives and don’t have the time to keep up with the ever changing mortgage products. She checks in with clients throughout their mortgage term and keeps them informed of any changes or updates in the industry that could affect their situation

Her years of banking experience allow Jill to provide clients with unique financing solutions to help them achieve their goals. Whether you are looking to buy your first home, upgrade to your dream home, renew or refinance an existing mortgage to save you money and increase monthly cash flow, she can help.

Email: mortgages@jilldodds.ca

APD Mortgages Inc. Sub-franchise to The Mortgage Centre - Island Properties


Karen Nieuwenhuis


Karen is an accomplished lender with over 20 years of lending experience serving British Columbia communities. She has been the recipient of numerous sales achievement awards, which she credits directly to the many wonderful, loyal clients that she has had the pleasure to work with over the years, and she looks forward to continuing that trend with future clients.

Karen prides herself in her vast knowledge of all lending requirements. She keeps up to date on market trends and projected interest rate scenarios, working in conjunction with many other professionals in the Industry. Karen also recognizes that purchasing a home to live in or for the possibility of an investment rental income is one of the most challenging decisions you will make. She is confident that by guiding you through all the options available, it will help to make your decision effortless.

Karen is a dog enthusiast who loves spending time in the outdoors, be it gardening or exploring Vancouver Island’s scenic trails and beaches. Karen would also love to be your Mortgage Professional.  "Your place or mine" or let's go for a walk to discuss your mortgage needs.  Give Karen a call today!

Website:  karennewinhouse.ca


Divian Dennis


Divian was in the legal industry for 15 years as a Senior Residential and Commercial Paralegal before joining The Mortgage Centre.  She has extensive legal knowledge in residential and commercial real estate transactions involving all types of financing.  Divian prides herself on providing professional, ethical and honest advice with a very high level of customer service to all of her clients whether they are purchasing, looking to renovate, transfer their mortgage or refinance their existing mortgage.  She feels strongly that her role is to find the most suitable mortgage product for her client’s particular circumstance.  There are many factors to consider when getting a mortgage; interest rates are only one element of the complete package.  Divian will help you consider all of your options so you can concentrate on making the best decision for your needs.  As a mortgage broker at The Mortgage Centre, she is able to offer the most innovative financing products available in the marketplace today.  

On a personal note, Divian is passionate about golf and being out in nature.  As a member of a local private golf club, she is able to craft her skills, which she states will apparently be for the rest of her life.  We think she likes to be challenged!


Copyright © 2022 Mortgage Centre - Island Properties
All rights reserved