Mortgage Advisor · British Columbia
Your trusted mortgage advisor, matched to the right lender.
I compare major banks, credit unions, MICs and private lenders for you, so you don't settle for the first rate your bank offers. Buying, renewing, refinancing, self-employed or turned down by the bank, you get straight answers in English, Punjabi or Hindi.
How I can help
Mortgage services across British Columbia
Residential mortgages
Buying, moving or switching your home mortgage, compared across banks, credit unions and other lenders.
Residential mortgagesFirst home
Down payment rules, FHSA, first-time buyer programs and a pre-approval you can shop with.
First-time buyersRenewals and switches
Don't just sign the renewal letter. I'll compare it against other lenders, usually at no cost to you.
Mortgage renewalsRefinance and debt consolidation
Use your home equity to pay off high-interest cards and loans, renovate or lower your payments.
RefinancingPrivate and second mortgages
When the bank says no or can't move fast enough: bruised credit, hard-to-prove income, bridge financing or arrears.
Private mortgagesSelf-employed
Business owners, truckers and contractors. Lenders that understand stated and business income.
Self-employed mortgagesConstruction mortgages
Building a home, laneway house or multi-unit? Draw mortgages that release funds as the build goes up.
Construction mortgagesCommercial mortgages
Apartment buildings, mixed-use, retail, office and industrial, plus CMHC multi-unit programs.
Commercial mortgagesPersonal and business loans
Loans without putting up property, based on your credit and income or your business's sales.
Personal and business loansI also help with: New to Canada Rental and investment HELOC and lines of credit CMHC-insured mortgages
Who I work with
One call, many lenders
A bank can only offer its own mortgages. I shop your mortgage across lenders, from the big banks to private money, and recommend the one that fits your situation.
Major banks
Canada's big banks, for the lowest rates when you qualify.
Credit unions
BC credit unions, often more flexible on income and property.
Monoline lenders
Mortgage-only lenders with sharp rates and fair penalties.
Alternative lenders
For self-employed, new credit or past credit issues.
MICs
Mortgage investment corporations for short-term, equity-based mortgages.
Private lenders
Fast first and second mortgages, with a plan back to a bank.
Lenders available through Verico Your Mortgage Source. All mortgages are subject to lender approval.
How it works
Three simple steps
Free call
Tell me what you need. I'll explain your options plainly, with no pressure.
I shop the lenders
I compare rates and terms across many lenders and recommend the best fit, not just the lowest rate.
You get the keys
I handle the paperwork with the lender and your lawyer, and remind you well before renewal.
Free tools
Mortgage calculators
How much can I borrow?
A quick estimate using Canada's stress test and lender debt limits.
Open calculatorCMHC insurance
Less than 20% down? See your minimum down payment and the insurance premium.
Open calculatorMLI Select points
For rental buildings with 5 or more units. See the financing your points unlock.
Open calculatorAbout 3 minutes · no credit check
Apply for a mortgage or loan
Tell me about your plans and I'll call you to go over options. Please don't include your SIN or ID here. I'll give you a secure way to send documents.
Coming soon Free for my clients
Every bill, mortgage and policy in one place
- Renewal reminders well before your lender's letter arrives
- Payment, property tax and bill due dates in one place
- An alert when rates change, showing what it means for your payment
- One tap to ask me for a review
Free for clients. Leave your details and I'll send you the link when it opens.
About
Hi, I'm Ap Dhillon, your trusted mortgage advisor in BC
I'm a licensed mortgage advisor in British Columbia with Verico Your Mortgage Source. I help families, first-time buyers, business owners and newcomers find the right mortgage, and I stay with you for every renewal after that.
Ask me anything in English, Punjabi or Hindi.
Areas I serve
Mortgages across the Lower Mainland, the Fraser Valley and all of British Columbia, by phone, video or in person.