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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

Unlock HELOC Solutions with Mortgage Wisdom in BC. Maximize home equity for financial goals.
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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 mission is to Empower Homeowners with Mortgage Wisdom, illuminating the path to homeownership and financial growth through personalized, expert mortgage guidance. Rooted in community and fueled by the wisdom of experience, we navigate the complexities of mortgage financing, ensuring our clients feel confident and supported every step of the way.

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

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.



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 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.



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.



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

Benefit from our seasoned mortgage brokers’ expertise for informed decisions.

Personalized Service

Enjoy tailored assistance to meet your unique needs and preferences.

Simplified Process

We streamline comparisons of loan options and lenders for clarity.

Goal Alignment

Ensure your mortgage choices align with your long-term financial objectives.

Trusted Partner

Rely on us as your transparent and trustworthy guide throughout the process.

Proven Track Record

Our history of success ensures you’re in capable hands for your mortgage

Subscribe Now And Unlock A Wealth Of Valuable Information!

Join our exclusive newsletter to access valuable tips, industry insights, and expert advice for your financial success. Stay ahead with the latest trends, market analysis, and investment strategies from seasoned experts. Whether you’re looking to build your savings, invest wisely, or manage debt effectively, our content is tailored to meet your needs. Gain exclusive access to webinars, special reports, and interactive Q&A sessions with financial professionals, enhancing your knowledge and skills.

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

  • Getting 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 Avatar Gary Bhangu
    November 18, 2023

    Experienced and very knowledgeable team. They made the whole process a breeze. Highly recommend them.

    Steven Sandhar Avatar Steven Sandhar
    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 Avatar 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 Avatar Santosh Kharka
    March 28, 2024

    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 Avatar R. Ladhar
    November 18, 2023

    Quick response, amazing service and very knowledgeable. Highly recommended

    Gurvinder Pooni Avatar Gurvinder Pooni
    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 Avatar charanjit chahal
    April 18, 2021

    Harry 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

    April 18, 2022

    Had 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 Avatar Pamela Sangha
    November 18, 2023
  • I 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 Avatar Gurpreet Thandi
    November 18, 2023

    My 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 Avatar Billy Dhami
    November 18, 2023

    True 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 Avatar sukhvir gakhal
    November 18, 2023
  • 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 Avatar Nav Sekhon
    November 18, 2023

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5446 152 Street #305 Surrey, BC V3S 5J9

Head Office



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At Mortgage Wisdom Corporation, we proudly serve clients across a wide range of locations, including Surrey, Delta, New Westminster, Langley, and Maple Ridge, among others in British Columbia. We also extend our services to various areas in Alberta, including Calgary, Edmonton, and Red Deer. Whether you're in need of mortgage assistance in the Greater Vancouver area, on Vancouver Island, or in Alberta, we're here to help you navigate the process with expertise and personalized care.