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1-Year Fixed Rate Mortgage
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3-Year Fixed Rate High-Ratio Mortgage
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5-Year Fixed Rate High-Ratio Mortgage
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5-Year VRM Rate High-Ratio Mortgage
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
Investing in rental properties can be profitable, but understanding lender evaluations is key. At Mortgage Wisdom in BC, we offer tailored guidance, competitive lender connections, and 20% down payment programs. We also assist with CMHC Insurance for multi-unit purchases, ensuring competitive rates.
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
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