Personalized Mortgage Guidance Across British Columbia
A short form to get things moving. It takes a few minutes, it goes to Shabbir directly rather than into a queue, and you will hear back with clear next steps within one business day.
Submitting this form does not put an application in front of a lender and does not affect your credit. It gives Shabbir enough to assess your situation properly and come back with a realistic picture rather than a generic answer.
Nothing is submitted to any lender without your instruction, and no credit check happens unless you specifically authorise it on the form below. If at any point you decide not to proceed, that is the end of it.
This form deliberately does not ask for your Social Insurance Number, bank account details, or account credentials, and you should not include them in the message box. A mortgage application does eventually require documents and identifying information, and those are collected through a secure channel once you are working with Shabbir directly. If any message or website asks you to send that information by email or a web form, treat it as a warning sign.
Approximate figures are fine. Nothing here needs to be exact, and nothing needs to be looked up before you start.
Submissions go to Shabbir, not into a call centre queue or an automated scoring system.
No credit check and no lender submission happens unless you have specifically authorised it.
If you are not sure about something, leave it blank or give a rough figure. It is easier to fill gaps in conversation than to hold off applying until everything is confirmed.
Required fields are marked. Everything else is optional, and approximate answers are genuinely fine.
No silence, and no automated sequence. Here is the actual order of events.
Your submission is read personally, usually the same day. Nothing is scored automatically or filtered out.
Within one business day, by your preferred method, with an initial read on your situation and any questions.
Enough to fill the gaps and confirm which lending route fits. Documents are requested at this point, not before.
Only with your instruction does anything go to a lender. Up to that point you are simply gathering information.
Mortgage applications involve genuinely sensitive information, and how it is collected matters as much as what is done with it. The principle here is straightforward: only ask for what is needed at each stage, and never collect sensitive details through a channel that is not built for them.
Read the Privacy PolicyThis form asks for approximate income rather than precise numbers, because that is all it needs.
Those are never requested by web form. They are collected through a secure channel later in the process.
A distinct, optional authorisation rather than something bundled into a general agreement.
No lender sees your file unless you have instructed that it be submitted.
The things people want cleared up before they submit anything.
Back to the FormNo. Submitting the form does not involve a credit check. A credit check only happens if you tick the optional authorisation, and even then it is done in connection with a genuine application rather than automatically on receipt of the form.
No. This starts a conversation and gives Shabbir enough information to assess your situation. Nothing goes to a lender without your instruction, and you can stop at any point without cost or consequence.
Within one business day, and usually sooner. If your situation is time sensitive, such as an accepted offer with a closing date approaching, say so in the message box or call directly rather than waiting on the form.
Leave them blank or give a rough figure. Approximate answers are genuinely fine at this stage, and several fields are optional for exactly that reason. Gaps are easier to fill in conversation than to research beforehand.
Because a website form is not the right place for that information. A mortgage application does eventually require identifying details and documents, and those are collected through a secure channel once you are working with Shabbir directly. Any website or email asking you to send that information openly should be treated with suspicion.
Yes, and there is a timeline option for exactly that. Knowing what to work on over the coming months is often more valuable than advice given a fortnight before an offer. Applying early costs nothing and commits you to nothing.
Mention it in the message box, including what you were told if you know. A decline reflects one lender's guidelines rather than a verdict on you, and knowing the reason usually points directly at which route to try instead.
Yes. Indicate that on the form and Shabbir will collect the co-applicant's details separately and securely. Their information is not needed on this initial form, and they will provide their own consent rather than you providing it on their behalf.
If your circumstances are complicated or your timeline is tight, call rather than filling in a form. Shabbir handles enquiries personally, so you will not be routed through a queue.
