Expert Mortgage Advice, Every Step. Starting from 4.70%
Asim Ali, Your Mortgage
Broker in Surrey
Based right at 7327 137 St, Suite #311, we offer personalized mortgage solutions, competitive rates, and expert guidance tailored to your needs. Work with a local team that understands the market, reach out today to get started.
Who We Are
What Sets Us Apart
If you are wondering who we are, then get your answers here:
- Your trusted mortgage broker: We are a team of mortgage experts led by Asim Ali, one of Canada’s top brokers. We help people get the right mortgage for their homes.
- Award-winning expertise: Asim Ali won the Best Newcomer Broker of the Year award in 2017. And our team has been nominated as one of the Top 75 Mortgage Brokers in the country every year since 2019.
- End-to-end support: We’ll be there from your first consultation to closing the deal. Our team will answer all of your questions and help you get the deal that you wanted.
- Relationship builders: All of our clients have been working with us for many years. Our main goal is to give you the solution you need and gain your trust for the long term.
Our Mortgage Agency Services
Navigating the world of mortgages can feel like a maze. Especially if you’re new in this field. But you don’t have to find your way alone. Asim Ali is here as your go-to mortgage broker in Surrey.
We’ll guide you through your whole mortgage journey. Let’s find out what we offer:
AAA Mortgages
AAA Mortgages are for those with strong credit. It offers you the best interest rates. If you want to save money and have peace of mind, choose this option. We’ll be there to assess if this one is the right pick for you.
B Lending Solutions
Are you someone who isn’t looking for a traditional lending option? If yes, then our B Lending Solutions is for you. It acts like an alternative for unique situations.
Borrow Down Payment Assistance
We know saving for a down payment is quite tough. Our assistance programs are there to act as a bridge. Here, we’ll help you find out the options to gather the funds you need.
Commercial Mortgages
Need financing for your business property or investment? Then choose our commercial mortgage options. Here, we understand the complexities and will find the right loan for your retail, office, or industrial spaces.
Construction Financing
If you’re building a new home or project, pick our construction financing solution. Here, we’ll arrange financing that matches your project’s timeline and budget.
Financing and Refinancing Options
Buying your first home while handling your current loan could be an overwhelming experience. In that case, Asim Ali offers many financing and refinancing solutions. You’ll experience things like lower rates, reduced payments, etc.
Before investing in a home, it’s important to find out the specifics. Here is an overview of our current mortgage rates that you will receive:
4.24 %
*Most Popular| Terms | Bank Rates | Monthly Payment | Our Rates | Monthly Payment |
|---|---|---|---|---|
| 1 Year | 6.15 % | $648.75 | 5.24 % | $356.28 |
| 2 Years | 5.44 % | $606.90 | 5.09 % | $351.40 |
| 3 Years | 4.62 % | $560.16 | 4.24 % | $324.33 |
| 4 Years | 6.01 % | $640.40 | 4.34 % | $327.47 |
| 5 Years | 4.56 % | $556.81 | 3.99 % | $316.52 |
| 7 Years | 6.41 % | $664.38 | — | — |
| 10 Years | 6.81 % | $688.72 | — | — |
Please Note: Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. & E.O
Last Update: March 24, 2026
The Role We Play as Your Specialist Mortgage Brokers
Our mortgage professionals ensure your path to homeownership or mortgage refinancing is easy. We use our experience and local market knowledge to select the right solution for you no matter your credit score.
Assessing Financial Situation
At first, we find out your current financial situation and credit score. We will help you access your income, expenses, and savings. This will help us understand your affordability and the amount of money you can borrow.
Exploring Mortgage Options
Once we understand your financial situation, we will look at different mortgage loan options. We will check out interest rates and terms before finding the best home loan option for you.
Communication with Lenders
We work as a middleman between you and the lenders. We communicate with financial institutions on your behalf. Also, we handle all your paperwork and discuss the terms of the home loan.
The sooner you contact us, the sooner we can hold your rate.
Choosing us as your mortgage broker in Surrey offers you many benefits.
Access to Multiple Lenders: We connect you with various lenders for more options.
Tailored Mortgage Solutions: Our efficient process helps you save both time and money.
Saving Time and Money: Our efficient process helps you save both time and money.
Streamline Process: We make your mortgage pre-approval easy and set a clear path toward homeownership.
Our Mortgage Approval Process
The application journey might be a little difficult, but we make it simple and easy for you. Preparation is key to a successful application, and here’s how we’ll help you get ready:
1. Organizing Financial Documents
Our mortgage agent will help you gather all the financial documents. They include tax returns, pay stubs from the last two years, and bank statements.
2. Addressing Credit Concerns
If you have any concerns related to your credit history, we can address them together. We review your credit report, identify any issues, and provide you with a solution.
3. Anticipating Potential Hurdles
Any kind of challenge could come at any time during the mortgage process. You can rely on our expertise to navigate any complexities with confidence and ease.
4. Mortgage Application
Our online mortgage broker helps you with the application. We submit all the necessary information. We’ll also be there to answer any questions along the way.
Schedule Your Meeting with
Our Specialist Mortgage
Advisor
Are you ready to make your dream of owning a home in Surrey come true? Then Asim Ali is your reliable partner in your mortgage journey. Reach out today to set up your meeting with our mortgage consultant to ask any questions you may have.
If you’re looking to buy a home or refinance your current mortgage, you’re in the right place. Asim Ali is your go-to mortgage broker in Surrey to guide you through the mortgage journey.
FAQ
Using a mortgage broker in Surrey costs you nothing. The lender pays the broker once your mortgage is set up. You don’t pay a cent. In a few special cases — like private lending — a small fee may apply, but you’ll always be told about it first. Either way, you get to shop from 50+ lenders at no cost to you.
Most lenders want a score of 680 or above. If you’re between 600 and 679, you can still get a mortgage — just at a slightly higher rate. Below 600, private lenders can help you buy now while you work on your credit. A broker will tell you which lender fits your score. Learn more about what credit score you need for a mortgage and how your credit score affects approval.
You need 5% on the first $500,000 of the home price. On any amount above that, you need 10%. If the home costs more than $1.5 million, you need 20% down. In Surrey, most buyers end up needing between $60,000 and $120,000 saved, depending on the home. See how much you need to buy a home and down payment support options.
A pre-approval takes about 24 to 48 hours when your documents are ready. After your offer is accepted, full approval usually takes 3 to 7 business days. Getting pre-approved before you start house hunting is a smart move — it shows sellers you’re serious and ready to buy. Read more about understanding mortgage pre-approval and getting a strong pre-approval in Surrey.
A broker works with 50+ lenders and submits one application on your behalf. A bank only offers its own products. That means a broker has more tools to find you a better rate. Most buyers save money by going through a broker instead of walking into a branch. See the full comparison: mortgage broker vs bank and why buyers choose brokers over banks.
Yes, you can. Surrey is home to one of the biggest newcomer communities in BC. Many lenders offer programs made just for new Canadians. You don’t need a Canadian credit history. Some lenders accept credit reports from your home country, or a larger down payment of around 35%. Learn more: can newcomers to Canada apply for a mortgage.
There are three main programs you can use. The First Home Savings Account (FHSA) lets you save tax-free. The Home Buyers’ Plan lets you pull up to $35,000 from your RRSP. And in BC, you may not have to pay property transfer tax on homes under $835,000. A broker can show you how to use all three at once to lower what you pay on closing day. See our first-time homebuyers guide and common first-time buyer pitfalls to avoid.
The stress test checks if you can still afford your mortgage if rates go up. You have to qualify at your actual rate plus 2%, or at 5.25% — whichever number is higher. This means you can borrow about 20% less than you might expect. In Surrey, where homes are pricey, that gap matters. A broker helps you figure out your real budget before you start looking. See mortgage affordability and how much you need to buy a home.
A fixed rate stays the same for your whole term. Your payments don’t change, so it’s easy to budget. A variable rate can go up or down with the market. It has often been cheaper over time, but it comes with more risk. The right choice depends on how you feel about risk and how long you plan to stay in the home. A broker will walk you through both options. Read the full breakdown: fixed rate vs adjustable rate and how mortgage rates are determined.
Yes, and it happens a lot in Surrey. You’ll usually need two years of tax returns — your T1 General and Notice of Assessment. If your tax income looks low, some lenders will use your bank statements instead. There are good mortgage options made just for self-employed buyers. A broker who knows these files can save you time and help you avoid paying more than you should. Read more: steps to secure a mortgage as a self-employed worker and tips for reducing mortgage stress when self-employed.