Personalized Mortgage Guidance Across British Columbia
Buying, building, or refinancing? Shabbir Patel finds the right lender and guides you all the way to closing.
Adjust the numbers, see payments.
Moving up, moving down, or buying a rental? We help you plan.
Start Your PlanSurrey has everything from small condos to big family homes, so one lender rarely fits everyone. Shabbir Patel studies your property and finances, then picks the lender that suits you.
Buying a new townhome near Langley's SkyTrain line? New builds can take years, and deposits are paid in stages. Shabbir Patel plans your mortgage around that timeline, so your funds are ready on your moving day.
Every source of income gets reviewed.
Lenders compete to earn your business.
You hear the pros and cons.
We keep everyone on schedule.
We offer mortgage solutions for buyers, builders, investors, and business owners across Surrey.
Our team guides you through buying your next home, from pre-approval to closing day.
Strong credit and verifiable income? We match you with suitable prime lenders.
When income or credit falls outside bank rules, we arrange flexible B lending.
Our first and second mortgages let you access equity or consolidate debt.
Turned down by a bank? We arrange short-term private mortgages for you.
We arrange construction financing that pays out in stages, from land purchase to completion.
Buying or refinancing commercial property? We arrange the right mortgage.
Our business financing covers day-to-day operations and helps your company grow.
We help business owners and contractors qualify with non-traditional income.
Putting 20% or more down? Our uninsured mortgages also cover homes over the cap.
Shabbir Patel arranges vacant land financing for a future build or long-term investment.
Buying your next home before selling? Our bridge loans cover the gap until your sale closes.
Shabbir Patel arranges mortgages for rental and investment properties.
Book a free, no-obligation consultation to review your options and get our clear, honest recommendation.
Shabbir Patel helps you lower your rate, access equity, or restructure your existing mortgage.
Shabbir Patel explains default insurance and optional mortgage protection coverage.
We keep every step short, simple, and easy to follow.
Tell us your budget, income, and the home you are after.
We lay out each lender's rates, costs, and rules in simple terms.
We check your paperwork for gaps before it goes to the lender.
Your lender approves, your lawyer is briefed, and you close.
Banks only sell their own products. A broker compares many lenders for you, so you see more choices without visiting a dozen different bank branches.
Request a CallbackLock in a rate while house-hunting, with no obligation to buy.
Ask anything along the way and get a simple, straight answer.
Irregular income, new businesses, land, and unusual homes are handled with care.
You deal with him directly, never a call centre or a stranger.
Can't find your question here? Send it over and get a personal reply from Shabbir Patel himself.
Send Us a QuestionThe minimum is 5% of the first $500,000 of the price, plus 10% of anything between $500,000 and $1.5 million. If you are purchasing a home that costs more than $1,500,000, the minimum down payment will be 20%. Rental properties typically require 20% or more, we verify your % number.
AAA lending is for the borrower with good credit and verifiable income and generally features the lowest rates. B lending is for those who are not within the bank's guidelines, for example, a new business owner or someone with a poor credit score. Typically the rate will be higher, but it may be a stepping stone back to a bank.
It makes sense when a bank cannot approve you or you need to close quickly. Rates and fees are increased, and it's designed for short-term use. We assist you in making your exit, typically to a regular lender.
The money is paid out in steps called draws when different parts of the construction project are completed and inspected. Such as foundation, framing and finishing. Typically, interest is only charged on the funds that have been withdrawn.
Yes. Your tax returns, notices of assessment and bank statements are used by lenders to gauge your income. There are options with alternative lenders if the write-offs are causing your tax returns to show minimal income.
A bridge loan is a short-term loan that is given to fill the gap when you close on your new home first, before your current home is sold. If you are looking to get ahead of the purchase before your sale money comes in, you will need one.
If your paperwork is in order, pre-approval can be granted in a matter of days. The final approval is up to the lender and the property; a full file helps to keep things moving.
Most standard mortgages have the lender pay us, which means it is cost-free for you. Private or alternative loans may have a fee, and we inform you of this in writing prior to taking out the loan.
Tell us a little about your plans and Shabbir Patel will reply with a simple plan. No pressure, ever.
