%
1-Year Fixed Rate Mortgage
%
3-Year Fixed Rate High-Ratio Mortgage
%
5-Year Fixed Rate High-Ratio Mortgage
%
5-Year VRM Rate High-Ratio Mortgage
1-YEAR/FIXED
6.39%
Hold until
20%
Monthly Prepayment
No
Pre-approval
20%
Lump sum pre-payment
3-YEAR/FIXED
4.79%
Hold until
20%
Monthly Prepayment
No
Pre-approval
20%
Lump sum pre-payment
5-YEAR/FIXED
4.69%
Hold until
20%
Monthly Prepayment
No
Pre-approval
20%
Lump sum pre-payment
5-YEAR/VARIABLE
5.95%
Hold until
20%
Monthly Prepayment
No
Pre-approval
20%
Lump sum pre-payment
Mortgage Options
First Time Home Buying
Navigate your first home purchase with confidence and ease—expert guidance every step of the way.
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Last Minute Mortgage
Explore alternative financing solutions with private lending at last minute—discreet, flexible, and customized for you.
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Second Mortgage
Unlock the value in your home with flexible second mortgage options tailored to fit your financial strategy.
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Home Equity With Heloc
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Construction Mortgage
Turn blueprints into reality with construction financing that grows with your project, from groundwork to grand opening.
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Commercial Mortgage
Elevate your business with tailored commercial mortgage solutions designed for growth and success.
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Mortgage Refinance & Renewal
Ready to refinance or renew your mortgage in BC? Mortgage Wisdom offers tailored services to align with your financial goals.
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Investment Mortgage
Investing in multiple rental properties offers great potential, but requires understanding lender assessments.
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Lenders We Work With
What We Do
At Mortgage Wisdom, we’re proud to be recognized as the Best Mortgage Broker in Surrey, BC, Alberta, and Ontario, specializing in personalized service, expert guidance, and transparent brokering. Our approach is built on the pillars of education, transparency, and exceptional customer service.
Our Approach
Our firm belief in the power of education, transparency, and exceptional customer service sets us apart. We don’t just assist you with your mortgage, we empower you with knowledge, allowing you to make informed decisions and achieve your home ownership goals.
Our Mission
Our Mortgage Process
Step1: Apply in 30 seconds
Apply in 30 Seconds: Use our online form, and we’ll arrange a complimentary consultation with one of our Mortgage Advisors.
Step2: Get Offer
| OFFER 1 | OFFER 2 | |
|---|---|---|
| 5-Year Fixed | 5-Year Variable | |
| Purchase Price | $850K | $850K |
| Down Payment | $170K | $170K |
| Rate | 4.99% | 5.69% |
| Your Mortgage Amount | #680K | #680K |
| Amortization | 25 Years | 25 Years |
| Monthly payment | $3951 | $4226 |
Review Your Offers
Secure your mortgage swiftly and seamlessly, enjoying competitive rates from premier lenders in Surrey, Victoria, Calgary, and beyond. At Mortgage Wisdom, our devoted team of mortgage advisors stands with you from the initial application through to the gathering of documents and the successful closing of your mortgage. Experience unparalleled support and expertise every step of the way.
Step3: Get Funded
Secure Your Mortgage and Celebrate with Us! Our Team of Experienced Mortgage Brokers is Just an Email or Phone Call Away.
FIRST HOME BUYERS
For first-time home buyers: 1. Know your budget 2. Build good credit 3. Save for a down payment 4. Explore mortgage options 5. Get pre-approved 6. Compare rates 7. Budget for closing costs and ongoing expenses 8. Stay within your means 9. Seek professional advice.
EARLY HOME RENEWAL
Early home renewal involves refinancing your mortgage before the original term ends. This process can be initiated to capitalize on lower interest rates prevailing in the market, thereby potentially reducing your monthly payments or securing more favorable loan terms.
SELF EMPLOYED
Canada sees a surge in small businesses, offering exciting opportunities. For entrepreneurs, minimizing taxes is key, and many use their companies to manage personal tax burdens. With streamlined processes, 90% insured programs, and non-income qualifiers, navigating mortgages for business owners becomes simpler, ensuring financial wisdom.
INVESTMENT PROPERTIES
Why Choose Mortgage Wisdom?
With Mortgage Wisdom, choosing us means gaining access to expert guidance and personalized service. Our team of experienced mortgage brokers simplifies the process, ensuring you make informed decisions that align with your financial goals.
Expert Guidance
Personalized Service
Simplified Process
Goal Alignment
Trusted Partner
Proven Track Record
Subscribe Now And Unlock A Wealth Of Valuable Information!
By subscribing, you’ll become part of a supportive community that shares your financial ambitions. You’ll receive regular updates designed to keep you informed and empowered, helping you make smarter financial choices. Don’t miss out on this opportunity to transform your financial well-being and achieve your goals. Subscribe now and take the first step towards a brighter financial future.
Hear from Our Satisfied Clients
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I’ve had the privilege of collaborating with Karman and Mortgage Wisdom for an extended period, both on my personal real estate transactions and those involving my clients. Their commitment to... Read More
Nav Sekhon
November 18, 2023I have worked with Karman on several occasions, he always puts his clients first and works tirelessly to get the deals done. Always honest and reliable advice when working with... Read More
Gurpreet Thandi
November 18, 2023My experience with Mortgage Wisdom was highly positive. The mortgage brokers demonstrated an impressive level of knowledge, guiding me through the mortgage process with great expertise. What stood out most... Read More
Billy Dhami
November 18, 2023 -
Quick response, amazing service and very knowledgeable. Highly recommended
Gurvinder Pooni
November 18, 2023Harry was able to secure us a great rate and was extremely helpful over the last 4 years, dealing with the purchase of 2 homes. Darren made sure the process... Read More
KIAH SETHI
April 18, 2022Had a great experience working Karman! Wouldn’t go through another person for my mortgage. Mortgage wisdom was so knowledgeable and made the process so easy! Would highly recommend this team!
Pamela Sangha
November 18, 2023 -
Past Experience :- Mr. Harry Toor helped me to get approved for mortgage from Scotia Bank in year 2017. Very much thankful of him. Currently he is going to help... Read More
charanjit chahal
April 18, 2021Getting approved for a mortgage is probably the most stressful part of the home buying process. I was lucky enough to get referred to Mortgage Wisdom from a friend... Read More
Gary Bhangu
November 18, 2023True professionals who masterfully handle both simple and complex mortgage deals. What sets them apart is their ability to navigate complex deals with creative solutions, making them a top... Read More
sukhvir gakhal
November 18, 2023 -
I have had the pleasure of working with Karman for many years and always recommend him to my clients, friends & family. He is extremely organized, communicative and ensures the... Read More
Karen B
January 18, 2024"Wow! Working with Mortgage Wisdom Corporation was an absolute breeze from start to finish. Their team made the entire mortgage process smooth and stress-free. They were incredibly knowledgeable, patient, and... Read More
Santosh Kharka
March 28, 2024Experienced and very knowledgeable team. They made the whole process a breeze. Highly recommend them.
Steven Sandhar
November 18, 2023 -
I had a great experience securing my mortgage with Mortgage Wisdom. Karman was very professional, efficient and always quick to reply to our questions. Harry was also very friendly and... Read More
R. Ladhar
November 18, 2023
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