As a Surrey, B.C. mortgage broker, I work at no cost to you in getting the best rate and terms I can. I am happy to meet you at your house or invite you to my office to discuss your needs in person.

  • By working with a professional mortgage broker, you receive all the financial benefits without the stress of navigating everything yourself. I will guide you through the mortgage process, step-by-step, to ensure that you are comfortable and are informed about what is going on and what will be required next.
  • Every consultation is free. Hiring me as your Surrey mortgage broker adds no cost to you. Having an experienced mortgage professional in your corner is extremely valuable, as I shop around for the best rate and terms for your Surrey mortgage.
  • Whether you are interested in purchasing a home in Surrey, refinancing your existing mortgage, or interested in a reverse mortgage, give me a call to receive more information and to book your free consultation today!
  • If you are a First-time homebuyer or are interested in a Reverse Mortgage, I am happy to not only work with you, but take the time to comprehensively explain the entire process.

Mortgage Calculators

Use these tools to determine if you finances are going to meet your future goals.
Mortgage Calculator Use this calculator to generate an amortization schedule for your mortgage. Quickly see how much various loan amounts will cost you monthly.
Mortgage Payoff Calculator How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out.
Compare Mortgages Calculator Determining which mortgage provides you with the best value involves more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a mortgage.
Mortgage Refinance Calculator How much interest can you save if you refinance your mortgage? This calculator helps you find out! Enter the specifics about your current mortgage, along with new loan amortization, rate and closing costs. We will then determine how much interest refinancing can save you.
Mortgage Qualifier  The first steps in buying a house are ensuring you can afford to pay at least 5% of the purchase price of the home as a down payment and determining your budget. This calculator steps you through the process of finding out how much you can borrow.
Rent vs Buy  Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question.

If you would prefer to go over your finances together, I would be happy to book an appointment with you.

Mortgage rates

Period Interest Rate
CLOSED RATES
6 Months 3.34 %
1 Year 3.14 %
2 Years 3.14 %
3 Years 2.92 %
4 Years 3.14 %
5 Years 2.97 %
7 Years 4.24 %
10 Years 4.39 %
OPEN RATES
ARM/VRM P+/- 0 %
6 Months 6.7 %
1 Year 4.45 %
 

Call me for today’s unpublished rate specials!

Mortgage Application PDF
Online Mortgage Application

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First Time Home Buyers

Buying your first home can be overwhelming. As a Surrey mortgage broker, I have gone through the process many times and pride myself in educating my clients before the application begins. First time home buyers can also take advantage of some lending and tax rules that are very beneficial to borrowers.

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Second mortgage

A second mortgage allows you to borrow against the equity you already have in your home or property while maintaining a first mortgage on that same property.  Usually second mortgages are only used when a large, lump sum of money is needed by the homeowner all at once. 

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renew or refinance

There is a big difference between a Refinance mortgage and a Renewal mortgage. Each option has a very specific purpose and it is important to know how each can be applied to your specific needs.  The renewal rate you are initially offered by your existing lender is rarely the best option for you.  Refinancing a mortgage may come with unforeseen penalties and fees that may affect your decision.

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Self
employed

Reducing your taxable income doesn’t need be a problem to qualify for a mortgage. Qualifying for a mortgage as a self-employed borrower requires that you apply to a lender that understands your story. As a mortgage broker, I have access to a variety of lenders that understand the financial documents of self-employed applicants. Frequently, these mortgage options are at the same or similar rates to what salaried workers get.

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Reverse Mortgage

A much more popular option when compared to a second mortgage. A home equity line of credit allows you to borrow against the equity already in your home as you need it.  Because it is considered a secured loan against your property, you will generally get a better interest rate vs an unsecured loan or line of credit.  The money can be used for anything the homeowner wants to use it for, such as renovations or a vacation.

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Home Equity Line of Credit

A much more popular option when compared to a second mortgage. A home equity line of credit allows you to borrow against the equity already in your home as you need it.  Because it is considered a secured loan against your property, you will generally get a better interest rate vs an unsecured loan or line of credit.  The money can be used for anything the homeowner wants to use it for, such as renovations or a vacation.

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Jaret really worked hard to present our story to a lender and get us approved. Coming to our house was also very convenient as we have young children.

Cindy and Joel

I took Jaret’s advice to let him look into a better renewal rate than the one that was automatically mailed to me by my lender. He found a better offer, and I’m much happier.

M. Long

Thank you for helping me get into my first investment rental property.

Trevor

GET IN TOUCH

I would love to hear from you! Let me know what what services you are interested in or if you just want to have a chat about your current financial circumstances. I’m here to listen and then give you my professional feedback.

If you have any immediate questions about my services, feel free to give me a call at 604-816-5988 or send me an email! Prefer to schedule a call ? Add yourself to my calendar on a date and time that works best for you.

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