Mortgage Broker
in Surrey, BC
Compare mortgage rates from 40+ lenders — banks, credit unions, and monoline lenders. As a dual-licensed mortgage broker and realtor in Surrey, I see both sides of every transaction and help buyers across South Surrey, Cloverdale, Newton, Fleetwood, and all Surrey neighbourhoods find the best rate.
Your Local Surrey Mortgage Broker
Aman Nanda
Mortgage Broker & Licensed Realtor — Surrey, BC
I'm a dual-licensed mortgage broker and realtor serving Surrey, BC and the Fraser Valley. Most mortgage brokers only see the financing side. Because I also work in real estate across South Surrey, Cloverdale, Newton, and every Surrey neighbourhood, I understand what happens on the other side of the table — from offer strategy to closing timelines — and how your mortgage decision connects to the bigger picture.
Whether you're a first-time home buyer in Surrey getting pre-approved, a homeowner in Fleetwood looking to refinance, or approaching a mortgage renewal in Guildford — I compare products from 40+ lenders to find the rate and terms that actually fit your life.
Licensed with DLC A.I.M.I. Collective Mortgage Group
Learn more about meSurrey Mortgage Broker Services
Purchase Mortgages in Surrey
Buying a home in Surrey? I'll find you the best mortgage rate from 40+ lenders — whether you're purchasing in South Surrey, Clayton Heights, or anywhere in between.
- First-time buyer mortgages and pre-approvals
- Move-up buyer financing and bridge loans
- New construction and presale mortgages in Surrey
- Investment property financing across the Fraser Valley
- Self-employed and non-traditional income programs
First-time buyer in BC? Explore incentives that can save you $20K+ or see down payment requirements.
Get Pre-ApprovedRenewal & Refinancing
Already own a home in Surrey? Don't just auto-renew with your bank. A Surrey mortgage broker can save you thousands on your next term.
- Mortgage renewal rate negotiation
- Refinancing to access home equity
- Debt consolidation through refinance
- HELOC setup and advice
- Rate switching — variable to fixed or fixed to variable
Renewal coming up? See why a broker beats your bank at renewal.
Mortgage ResourcesMortgage Broker Serving Every Surrey Neighbourhood
Whether you're buying your first home in Newton, refinancing a townhome in Fleetwood, renewing a mortgage in Guildford, or securing a pre-approval for a new build in Clayton Heights — I help homeowners and buyers across all of Surrey find the right mortgage at the best rate.
South Surrey
Pre-approvals for White Rock-adjacent homes and new builds
Cloverdale
Acreage, townhome & heritage-area mortgage financing
Fraser Heights
Move-up buyer and custom-build mortgages
Fleetwood
First-time buyer and investment property financing
Newton
Affordable entry-level and multi-family mortgages
Guildford
Condo, townhome & renewal rate negotiation
Panorama Ridge
Single-family and new construction financing
Whalley / City Centre
High-rise condo and presale mortgage solutions
Clayton Heights
New-build community mortgage pre-approvals
Sullivan Station
Townhome and family-sized home financing
Tynehead
Move-up buyer and equity refinancing
Bear Creek
Residential purchase and HELOC setup
Cedar Hills
First-time buyer and debt consolidation
Bridgeview
Affordable-market mortgage options
Queen Mary Park
Renovation and refinance mortgages
Bolivar Heights
Renewal rate negotiation and refinance
Also Serving the Fraser Valley & Greater Vancouver
My mortgage brokerage services extend beyond Surrey. I also help clients in White Rock, Langley, Delta, North Delta, Abbotsford, Maple Ridge, Coquitlam, and New Westminster. Mortgage applications are handled digitally — your location is never a barrier to getting the best rate.
Why Work With a Surrey Mortgage Broker
A mortgage broker in Surrey gives you access to the entire lending market — not just one bank's products. Here's what that means for you.
Access to 40+ Lenders
Banks, credit unions, monoline lenders, private lenders — as a Surrey mortgage broker, I compare products from across the entire market to find the best fit for your situation.
Best Rate Negotiation
Mortgage brokers get access to wholesale rates that banks don't advertise. I negotiate on your behalf to secure the lowest mortgage rate and best terms available in Surrey and the Fraser Valley.
Dual-Licensed Advantage
As both a licensed realtor and mortgage broker in Surrey, I understand both sides of the transaction — from offer strategy to financing to closing, all under one roof.
No Cost to You
In most purchase transactions, the lender pays the mortgage broker's commission. You get expert advice and better rates at no additional cost — whether you're in South Surrey, Newton, or anywhere in between.
What Mortgage Clients Say
“Amazing job and amazing service! Aman was professional, efficient, and went above and beyond to make everything smooth and stress free. Highly recommend to anyone looking for top quality service!”
P B
March 2026
“As someone with a busy schedule, it was very hard for me to get my mortgage stuff sorted out. Aman took care of everything and went above and beyond! Highly recommended”
Steven
March 2026
“Aman's a great broker, he got my application approved in 1 week with an A lender. Speedy service is unheard of nowadays in the market, but you'll be in safe hands with Aman.”
Shawn Singh
February 2026
“Aman recently helped me secure my mortgage for my new home, and I could not be happier! He turned what is normally a stressful and time consuming experience into a seamless and easy one. I'd recommend him to everyone for sure”
Amon Sidhu
January 2026
Free Surrey Mortgage Calculators
Run the numbers before we talk. These free BC-specific mortgage calculators help Surrey buyers understand affordability, insurance premiums, equity, and renewal options.
Mortgage Affordability Calculator
Find out how much home you can afford in Surrey based on your income, debts, and down payment
CalculateCMHC Insurance Calculator
Calculate your CMHC mortgage insurance premium for down payments under 20%
CalculateDown Payment Calculator
See minimum down payment requirements for Surrey homes and how much you need to save
CalculateHELOC Calculator
Estimate your available home equity line of credit and monthly payments
CalculateMortgage Refinance Calculator
Compare your current mortgage to refinance options and see potential savings
CalculateMortgage Renewal Calculator
Explore your renewal options and compare rates before your term expires
CalculateSurrey Mortgage Broker FAQ
What does a mortgage broker in Surrey do?
A mortgage broker acts as an intermediary between you and lenders. Instead of going to one bank, I compare mortgage products from 40+ lenders — including major banks, credit unions, and monoline lenders — to find the best rate, terms, and product for your financial situation. Whether you're buying a home in South Surrey, refinancing in Newton, or renewing in Fleetwood, I handle the application, documentation, and negotiation on your behalf.
How much does a mortgage broker cost in Surrey, BC?
For most purchase mortgages in Surrey, there is no cost to you. The lender pays the broker's commission when your mortgage funds. In some situations — such as private lending or complex files — a broker fee may apply, and I'll always disclose that upfront before you commit to anything.
Should I use a Surrey mortgage broker or go to my bank?
A bank can only offer its own products. A mortgage broker compares products from dozens of lenders to find the best fit. Brokers often secure lower rates because they have access to wholesale pricing and can leverage lender competition. If you want one-stop convenience and the best rate available for a home in Surrey, a broker is typically the better choice.
Read the full broker vs. bank comparisonWhat credit score do I need to get a mortgage in Surrey, BC?
Most A-lenders (big banks and credit unions) require a minimum credit score of 620–680 depending on the lender and mortgage type. If your credit score is lower, alternative or private lending options may still be available. As a mortgage broker serving all of Surrey, I work with clients across the credit spectrum and can advise on the best path forward.
Check what you can afford in SurreyHow do I get pre-approved for a mortgage in Surrey?
Contact me and I'll walk you through the process. Pre-approval typically requires proof of income (employment letter, pay stubs, tax returns), identification, and a credit check. Once approved, you'll know exactly how much home you can afford in Surrey and can make offers with confidence. Pre-approvals are free and usually lock in a rate for 90–120 days.
Start your pre-approval todayCan a mortgage broker get me a better rate than my bank in BC?
In most cases, yes. Mortgage brokers access wholesale rates that banks don't advertise to walk-in customers, and we can leverage competition between lenders to negotiate better terms. Even a 0.10% rate difference can save you thousands over the life of your mortgage — that adds up on Surrey's average home prices.
Compare refinance ratesWhat documents do I need for a mortgage application?
Typically you'll need: government-issued ID, recent pay stubs or proof of income, a letter of employment, your most recent Notice of Assessment (T1 General), bank statements showing your down payment, and information about any existing debts. Self-employed clients may need additional documentation such as T2 corporate returns or financial statements.
Do you serve areas outside of Surrey?
Yes. While my office is located in Surrey, I serve clients across the Fraser Valley and Greater Vancouver — including White Rock, Langley, Delta, Abbotsford, Maple Ridge, Coquitlam, and New Westminster. Mortgage applications are handled digitally, so location is rarely a barrier.
What types of mortgages do you handle?
I handle all mortgage types: first-time buyer purchases, move-up buyer financing, new construction and presale mortgages, investment property loans, mortgage renewals, refinancing, debt consolidation, HELOCs, self-employed programs, and private lending. Whatever your situation, I'll find the right product from 40+ lenders.
Surrey Mortgage Guides & Resources
Free guides covering everything from mortgage broker vs. bank comparisons to down payment strategies and first-time buyer incentives in BC.
Mortgage Broker vs. Bank
Should you use a Surrey mortgage broker or go to your bank? A detailed comparison of costs, rates, and service.
Read guideHow Much Down Payment Do You Need?
Minimum down payment rules in Canada, CMHC insurance thresholds, and strategies to save faster.
Read guideFirst-Time Buyer Incentives in BC
Every grant, tax exemption, and savings program available to help first-time home buyers in BC.
Read guideCanada's $50K GST Exemption (2026)
The new first-time buyer GST exemption could save up to $50,000 on a new home. Here's what to know.
Read guideClosing Costs When Buying in BC
A full breakdown of the costs beyond the purchase price — from legal fees to property transfer tax.
Read guideBrowse All Mortgage Resources
Calculators, rate guides, and articles to help you make confident mortgage decisions in Surrey.
Read guideTalk to a Surrey Mortgage Broker
Whether you're buying your first home in Surrey, renewing your mortgage, or looking to refinance — I'll find you the best rate from 40+ lenders. Free consultation, no obligation.
DLC A.I.M.I. Collective Mortgage Group
Unit #311, 7327 137 Street, Surrey, BC V3W 1A4
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