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The Mortgage Specialist

We are based in Burnaby, BC. We serve all across Canada. We have a combined 40 years of experience. We know where to find the solution to your problems. We give you the best advice suited for you. Guaranteed.
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We are passionate about building lasting relationships.
We love to teach our clients wealth building strategies to help them build their best life.
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Mortgage Advice You Can Trust

As one of Canada’s top rated mortgage brokers, we believe everyone has the right to access the best mortgage products and free independent mortgage advice that is focused on achieving long term financial growth.

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We are passionate about building life long relationships and teaching our clients how to improve their overall financial wellness, so that they can build their best life.

Your Trusted MORTGAGE SPECIALIST in CANADA

We, at The Mortgage Specialist, take pride in helping you into the home of your dreams. Mortgage financing is much more complex than the average consumer is led to believe and one size definitely does not fit all, especially in today’s marketplace where there are numerous options available to choose from. It can be a daunting task to find the right package.
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By tracking down the best mortgage rates, terms and options available, we are able to design your personal mortgage plan.

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OFFICE HOUR

Monday-Friday: 7:00 – 17:00

Saturday: 8:00 – 16:00

Sunday: By Appointment

Holidays: Closed

REPUTATION FOR EXCELLENCE

For over 11 Years, we have been providing the Burnaby, Vancouver and the surrounding Lower Mainland area with Sound Mortgage Advice.

As mortgage brokers we are here to help you make the choices that best suits YOU and only you.

Call us for independent mortgage advice! We are independent, which means we are not tied to any one lender or range of products.

Our goal is to help you successfully finance your home or investment property. We start by getting to know you and your home ownership goals.

When looking for the best mortgage broker and independent mortgage advisor, give us a call for today.

Without the help of a mortgage specialist like us, it will be difficult to find the best mortgage rates in BC. You can only get that help from an independent mortgage advisor like us.

CLIENTS HELPED

$ BORROWED (MILLION)

COMBINED EXPERIENCE (YEARS)

Our Mortgage Specialist Services

With our Mortgage Broker Services , we offer a FREE 30 minute phone consultation. This session includes a home buying strategy session designed to help you get a deeper understanding of the entire home buying process, not just the mortgage but everything that is involved in it.

What our clients tell us is that on this call you will be able to see – right away- what the most important aspects of a mortgage are. It becomes clear what you need to select the best mortgage, and how the right mortgage can mean saving thousands of dollars over the time you hold this mortgage.

Mortgage Purchasing

If you would like to purchase a home and require a mortgage we can assist…

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Mortgage Refinancing

Are you considering refinancing your mortgage? We can assist…

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Mortgage Renewals

If your mortgage is coming up for renewal we can show you…

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Debt Consolidation

Do you want to use your mortgage to consolidate your debt…

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Separation Or Divorce

We offer expert advice on what to do when you are in the process of …

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Special Services

In addition to the above services we offer other mortgage special services…

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We offer diverse professional mortgage services that cut across all spectrums. When dealing with property mortgage like purchasing a house, there are other possibilities especially when being a second buyer, an immigrant or a business owner who is self employed. Mortgage debt cannot deter you from getting a second home mortgage in fact there are several possibilities.

As a repeat buyer your property loans may be your first house and the second loan can be an investment home, a dream vacation home or vacation property, second home that you can rent to a family member or other tenants. Even if you still have a mortgage balance you can qualify for a second

As specialist mortgage services, home loans are also available to new immigrants and self employed individuals. New immigrants without established credit report, “proper” job description or unverifiable income, with the help of an independent mortgage broker, can qualify for home loans and avoid renting. Many best mortgage agents in Canada have helped immigrant purchase their first home.

Also see Best Mortgage Broker Vancouver BC | Mortgage Broker Burnaby | Mortgage Broker Coquitlam BC | North Vancouver Mortgage Broker | Mortgage Brokers Surrey

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Mortgage Advice You Can Trust

As one of Canada’s top rated mortgage brokers, we believe everyone has the right to access the best mortgage products…

Mortgage Specialist

You Can Trust Us To Provide The Right Mortgage Advice For You

We get it. As a mortgage broker we need to work extra hard to earn your trust. So here’s a bit more about us.

We’re fully regulated by the Financial Institutions Commission FICOM of British Columbia, this is our provincial financial regulatory body. All of our mortgage experts are super-knowledgeable, experienced and friendly. Really though, all that goes without saying.

We are also members in good standing with both the provincial mortgage broker’s Association of BC and Alberta (CMBC and AMBA) as well as the National Association, Mortgage Professionals Canada.

  • Luxury Home Mortgage Advisor 95% 95%
  • Certified Commercial Financing Expert 90% 90%
  • 40+ Years of Combined Experience and Relationships 92% 92%
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Why Should You Trust Us

We, at The Mortgage Specialist, are the source for Mortgage News in Canada. We speak with 100s of clients every month, and we work with 50+ lenders to ensure you’re always getting the best deal. And what’s more, we’ll advise you on the the best ways to not only save but to repay your mortgage as quickly as possible and improve your equity, and show you ways how you can take advantage of this equity that you have built up, in order to increase your Wealth and Net Worth.

You’re not only getting the best options, you’re getting an experienced team with over 40 years of combined lending experience across Canada, and in that a knowledgeable partner for one of your most important investments that you will ever make in your life.

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Frequently Asked Questions

Looking for the top rated mortgage companies and lowest mortgage rates BC or not sure if using a mortgage broker would be a good choice. Or are you not sure if a mortgage specialist is paid for their service, etc? Get answers to your most asked about mortgage specialists, mortgage broker tips, professional mortgage services, mortgage broker free advice, plus more.

Thank you for your interest in our mortgage services. If you have any question regarding your financing, we encourage you to schedule an appointment or phone consultation with us. We are pleased to offer all types of financing options for all your needs.

What Does A Mortgage Specialist Do?

A mortgage specialist works with you, the loan originator, to obtain the best mortgage for you. A mortgage that works for you and meets your needs, not the banks. A mortgage specialist is an independent mortgage advisor who does not work with just one bank or housing lender, s/he has relationships with many. Based on your needs, a mortgage specialist will go over your goals and your needs with you, and will use this information to identify the best lending product for you. A mortgage specialist know the mortgage market better and will then share this information with you, and will provide you with the most relevant lending options for your situation. Based on this information we will give you expert mortgage advice service and select the right mortgage for you.

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Do You Pay A Fee To A Mortgage Broker?

The short answer is no. Most of the time, the mortgage provider that you select to go with, through your mortgage broker, pays your specialist mortgage broker a referral fee. There are costs associated with setting up a mortgage, and these costs and fees are discussed as part of the process. Costs such as legal and closing costs. All borrowers are responsible for these costs. There are occasions when a mortgage broker will charge you a fee. These occasions involve special circumstances, such as working with a lender that does not compensate the mortgage broker. These costs and fees should always bee discussed up front, and agreed upon, before pursuing any of the related financing avenues.

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Is It Better To Go To A Bank Or Mortgage Broker?

This is a great question. There are benefits and short comings with any mortgage product, be it from a mortgage company, or from a bank. The key is, understanding your situation. Being crystal clear on your goals, not only for the short term, but medium term and also the long term. Once you are crystal clear on your goals, you also want understand your demographics. Banks collect information, and they use this information to make money off of you. Understand what the average person in your situation does, can be very valuable. With the above information, you can then review products and offers from each lender – a bank mortgage varies from bank to bank. With independent mortgage advice, you can identify the best product for you a lot more clearly now. One of the best things you will know is being aware of your loan interest as that is one of the determining factors whether loan payment or loan term would carry interest rate that will be unfavourable going forward.

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Is Mortgage Broker Better Than Bank?

A mortgage broker is better than a bank in the sense that a mortgage broker will help you with securing a better mortgage with a bank. If you go straight to the bank without the assistance of a mortgage specialist you might get a raw deal. Apart from the fact that the mortgage process might be a bit complex, which normally with any kind of loan – consumer credit check, any existing loans, your job, education, resume, payment history and many other requirements, a home loan application is a specialist job if you are to get a very good deal. The mortgage loan specialist will know what to do and advice you accordingly rather than just going straight to the mortgage lending bank. Mortgage specialists would know where to find you the best percentage rate, which mortgage lenders are best to apporach with your credit history or home equity if you have one, etc. So it is in your best interest as a home buyer to use a mortgage loan specialist to select the best mortgage lenders.

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What Is A Typical Mortgage Broker Fee?

When using the services of a mortgage advisor, when it comes to how they get paid there is no typical broker fee because there are varying out of pocket costs for the set up and closing of your mortgage and property, however, which you should be aware of well in advance of your closing. But as far as how much a mortgage advisor costs, well we have to back track a little bit and get an understanding of the way that the mortgage industry works. The price of the service is built in to your mortgage rate, no matter what. Period. That’s right, even if you are going in to your bank and using a mortgage advisor in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate.

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Who Pays A Mortgage Broker?

The price of the service, the loan amount, is built in to your mortgage rate, no matter what. Here is an illustrative example. If you are going in to your bank and using a mortgage advisor or loan officer in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate. The way it is all set up is like this; your bank branch that you go to, let’s call it ABC bank. While it is all the same bank, under the same umbrella. When you go to ABC bank and do a mortgage application, what ABC bank does is forward that mortgage application to ABC mortgages. It is the same company, under the same umbrella, but a different faction of the bank. Essentially it is operated as a totally separate arm.

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Why Would You Use A Mortgage Broker?

There are several reasons why you would use a mortgage broker. One of them being that there are many lenders that can only be accessed through the use of mortgage brokers, with products that offer the flexibility that should be important to consumers. Not only do you get the flexibility, but you also get a competitive rate. The presence of these lenders keep the banks honest. Let’s face it, every lender is in it to make money, and the more you pay on your financing costs, the better it is for their bottom line. IF there are say, only 5 options to choose from, the market is less competitive, and typically you will see that prices are set higher. However if there are 100 to 1000 options, then you will see that there may not be as wide a spread among the prices, and that there is a lot more competition. The more choice you have, the more on your toys your service providers have to be – which is typically great news for the consumer.

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Is It Good To Use A Mortgage Broker?

When mortgage brokers first came on the scene, many years ago, the thought was that they were only there to help you get financing when you were desperate and your bank turned you away. This may have been true over 40 years ago. Today, thanks to mortgage brokers, we have access to a competitive marketplace. Yes, that is right. Mortgage brokers keep the industry competitive by their very nature. By bringing options and choice to the consumer, it forces the banks to remain competitive for your business. There are many lenders that can only be accessed through the use of mortgage brokers, with products that offer the flexibility that should be important to consumers. Not only do you get the flexibility, but you also get a competitive rate.

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What Do I Need To Take To A Mortgage Broker?

What you need to take to a mortgage broker varies depending on the individual policies and procedures. For us, the best place to start is with a 20 minute phone call. You do not need anything. If we get to it, the most skill testing question we will be asking you is what is your SIN. The rest of the information you should have available at the tip of your tongue. During this initial call we are often able to address 99% of your questions or concerns. You can even walk away from the call knowing how much you can qualify for, and what the best down payment amount will be for you.

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When Should You Use A Mortgage Broker?

This is a question that we have to break the rules and answer by first asking a clarifying question. When using the term “broker” what are we referring to? The term can be used to refer to a realtor (real estate broker), or a mortgage broker. In either case, the answer is NO, you do not need a broker to buy a house. Just like you do not need a lawyer to go to court and fight your case. Nor do you need a travel agent to book your trip. You can also say the same thing about a mechanic, to change your brakes. There is a reason that these professionals are around, and there is value that they provide. The simple answer is, if you see the value that they present, then you hire their services.

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Cities And Neighbourhoods We Serve

We serve all of Canada, and below is a Select few Cities and neighbourhoods in British Columbia…

As one of the top mortgage brokers Canada, these are some of our favourite areas and neighbourhoods, where some of our favourite people have chosen to call home. Our clients are our lifeline, and over the years we have been blessed to expand our areas of service. Whenever we have a client we work with move in to a new area, we have someone from the team dedicated to finding out useful information about the area. And we post this valuable information here, to offer – free- no obligation – to you, who may be our next client.

Thinking about making one of these places your next home? Click below to get more information and see how to get best mortgage rates in BC.

Abbotsford BC

Professional Mortgage Broker Abbotsford BC and services

Burnaby BC

Professional Mortgage Broker Burnaby BC and services

Coal Harbour BC

Professional Mortgage Broker Coal Harbour BC and services

Coquitlam BC

Professional Mortgage Broker Coquitlam BC and services

Delta BC

Professional Mortgage Broker Delta BC and services

False Creek BC

Professional Mortgage Broker False Creek BC and services

Langley BC

Professional Mortgage Broker Langley BC and services

Mount Pleasant BC

Professional Mortgage Broker Mount Pleasant BC and services

New Westminster BC

Professional Mortgage Broker New Westminster BC and services

North Vancouver BC

Professional Mortgage Broker North Vancouver BC and services

Pitt Meadows BC

Professional Mortgage Broker Pitt Meadows BC and services

Port Moody BC

Professional Mortgage Broker Port Moody BC and services

Ricmond BC

Professional Mortgage Broker Ricmond BC and services

Surrey BC

Professional Mortgage Broker Surrey BC and services

CUSTOMER TESTIMONIALS

My husband and I were referred to Aleem and we were very happy working with him to obtain financing for our first home. Our situation was unique, and there were some complications which took some time to navigate through. Aleem made us feel comfortable by keeping us in the loop the entire time…

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“I couldn’t be happier with my decision to work with Aleem.”

By Jacqueline F.

“I am more than happy with the level of service I received!”

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“He gave us some tips and some tools that made our shopping go a little easier.”

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GET IN TOUCH WITH US!

Thank you for your interest in our mortgage services. If you have any question regarding your financing, we encourage you to schedule an appointment or phone consultation with us . We are pleased to offer all types of financing options for all your needs.

OUR MAIN OFFICE

#227 – 5489 Byrne Road Burnaby, BC. V5J 3J1

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(778) 233-2377

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1 (888) 280-8129

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