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We provide mortgage services in Surrey, Vancouver BC to all kinds of borrowers
Our Services
Our team of certified mortgage brokers works with the nation’s top class lenders
to find you the ideal financing solution
HOME PURCHASES
Regardless of being a first time buyer or a repeat buyer, purchasing a home is the largest investment during your life time. It can be one of the most exciting things
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PROJECT FINANCING
There are many avenues to secure project financing and it is our objective at Alpha Mortgage Housing Corp to get you the loan that you need with
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SECOND MORTGAGES
Second mortgages are not the most desirable of all financial remedies but they are unavoidable at times. When you need to make a substantial investment
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COMMERCIAL MORTGAGES
Commercial mortgages are more complicated than the ordinary residential mortgage. It must be noted that even if you are investing in a house and intend
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CONSTRUCTION FINANCING
Alpha Mortgage Housing Corp specializes in construction financing. As you may be aware construction loans are quite hard to get. The construction lending
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FORECLOSURE PREVENTION
As a mortgage agency in Surrey BC, we always talk to our clients and signify the importance of making timely repayments. Nothing impacts your credit
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Independent Mortgage Brokers in Vancouver, Surrey, BC | Certified Agents
Buy Your Dream Home
Get Easy Mortgage Solutions
With the mission to offer tailored mortgage solutions in Surrey, Vancouver, BC, Gurinder Toor, and Sukh Bhatty established a unique mortgage model. Getting the home is a milestone and we ensure smooth and quick processing. Expert mortgage brokers at Alpha mortgage can also help you with complex mortgages for land. We are tied with a wide range of private lenders in BC for your easy private financing solutions.
If you are looking for a secured line of credit in Vancouver, look no further, we can help! Secured line credits are highly attractive as they provide lower interest rates and maximum credit. Then, we offer unbiased advice for home equity mortgages in Vancouver for long-term benefits.
Trusted Mortgage Broker in Vancouver | Surrey
Construction & Commercial financingLet’s make it happen We can help you with construction financing and commercial loans in Vancouver, Surrey, BC. As we know, these mortgages involve complex processing because of strict laws. With years of experience in construction and commercial financing, we are here to provide smooth processing. We always put our commendable efforts to make your processing quick and smooth. |
FAQs
A mortgage is a loan you take out to buy a home or property and the home/property is used as security for that loan. In Canada, most people pay back their mortgage over 25 to 30 years through regular monthly or bi-weekly payments. Your mortgage has a term, usually 1 to 5 years, after which you renew it at the current rate. A licensed mortgage broker can explain the whole process and help you get started with confidence.
A mortgage broker is a licensed person who looks at loan options from many different lenders for you. Instead of going to just one bank, a broker finds the best rate and deal that fits your income, credit and budget.
In most cases, mortgage brokers are paid by the lender, not by you, so you do not pay anything out of pocket. If a private lender is needed, any fees are explained to you clearly before you agree to anything. There are no hidden costs when you work with a licensed mortgage broker.
Yes, a mortgage broker usually gets you a lower interest rate than a bank because they work with many lenders at once. This can lower your monthly payments and save you a lot of money over the years.
A mortgage broker gives you advice and shows you options from many lenders, all in one place. A bank can only show you its own mortgage products, which means fewer choices for you. Whether you are buying your first home or renewing, a broker makes the whole process easier and cheaper.
Yes, all mortgage brokers in Canada must be regulated and licensed and follow strict rules set by their province. They are legally required to be honest with you, explain all your options and work in your best interest. You are fully protected as a consumer when working with a licensed broker.
A high-ratio mortgage is one in which your down payment is less than 20 percent of the home price. In Canada, if your down payment is below 20 percent, you are required by law to get mortgage insurance through CMHC, Sagen or Canada Guaranty. The insurance cost is added to your mortgage and protects the lender if you cannot make payments. A mortgage broker can explain whether this type of mortgage is the right fit for you.
A fixed-rate mortgage keeps your interest rate the same for your whole term, so your payments never change, which makes it easier to budget. A variable-rate mortgage goes up or down based on the Bank of Canada rate, so your payments can change over time. For most people, especially first-time buyers, a fixed rate is the safer and more predictable choice.
