Whether you’re buying your first home in Clayton Heights, refinancing a townhouse in Fleetwood, or weighing investment property options in a home with a rental suite in Newton, I can help. As a mortgage broker based in Coquitlam who works with Surrey buyers and homeowners, I offer personalized mortgage solutions built on real lender knowledge and a focus on helping you decide with confidence.
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Surrey covers a lot of ground, and it behaves like several markets in one. Surrey City Centre and Guildford have filled in with condo towers near SkyTrain, while Fleetwood and Clayton Heights are full of newer townhouses and family homes. Newton and much of Fleetwood are known for detached houses with basement suites, and South Surrey adds larger homes and bigger lots closer to the border.
That mix matters for financing. A first-time buyer looking at a City Centre condo, a family buying a Newton home where suite rent helps them qualify, and an owner refinancing a South Surrey house to fund a renovation each need a different lender and a different plan. Self-employed buyers and business owners across Surrey also need lenders that look past a standard pay stub. Matching your file to the right lender is the part I handle for you.
Surrey’s market covers everything from condos near the SkyTrain stations in City Centre to suited family homes in Newton and larger properties in South Surrey. A broker gives you more than one bank’s rate. You get options from many lenders, flexibility, and advice shaped around your goals.
As your mortgage broker, I:
Whether you’re buying your first townhouse in Clayton Heights or a home with a mortgage helper suite in Fleetwood, I’ll help you move through the process with clarity and confidence.
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Understand your down payment options, navigate BC programs, and take the first step toward homeownership.
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Don’t sign your bank’s first offer. Let’s make sure it’s still the right fit, and I’ll help you review and explore competitive alternatives.
Access your home equity for renovations, investments, or debt consolidation, with a clear plan that makes sense for your situation.
Supportive and solution-focused refinancing options during separation or divorce.
Financing for custom homes, major renovations, or building on your own lot.
Tailored mortgage options for small business owners, contractors, and professionals with non-traditional income.
Programs designed to help newcomers to Canada buy a home, even without a long credit history.
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I help buyers and owners right across Surrey’s town centres and the neighbourhoods in between:
Also serving nearby communities: Langley, Delta, White Rock, New Westminster, Coquitlam, and the rest of the Lower Mainland.
For an owner-occupied home under $1.5 million, the minimum is 5% on the first $500,000 and 10% on the portion above that, so whether you are looking at a City Centre condo or a Clayton Heights townhouse, the math starts there. If you are buying purely as a rental, plan on at least 20% down. I will run your exact numbers before you start shopping.
Often, yes. Many detached homes in Newton, Fleetwood and Cloverdale have a secondary suite, and lenders can use a portion of that rent to increase what you qualify for. The suite needs to be legal and documented, and each lender treats suite income a little differently, so I match your file to the one that counts it most favourably.
Yes. Contractors, trades and small business owners often write off expenses that lower their taxable income, which can make a bank say no. Some lenders look at business income more flexibly, and I know which ones fit which situations. Bring your last two years of tax returns and Notices of Assessment and we can map out your options.
Often, yes. If you have built equity, a refinance can fund a renovation or pay down higher-interest debt. Whether it makes sense depends on your current mortgage terms, any penalty to break it, and what lenders will offer on your property, so I will lay out the options side by side before you decide.
These are real Google reviews from homeowners and buyers I have worked with. Read them all, or share your own experience, on my Google Business Profile.
Whether you’re planning your next move or just have questions, I’m here to help you make informed, confident mortgage decisions.
📞 778-882-5962
📍 Based in Coquitlam, working across Surrey and Metro Vancouver
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