Mortgage Brokerage | Surrey, BCIndependent mortgage brokerage serving the Lower Mainland. Conversations in English, Punjabi, Hindi, or Urdu. Personal service from a broker who knows the lenders, the market, and the path that fits you.
Working with 50+ lenders across Canada
Our ServicesWhether you’re buying your first home, refinancing to free up cash, navigating a complex renewal, or growing your investment portfolio — there’s a path forward. Choose your situation:
Purchase, refinance, or renewal — the bread and butter. Whether it's your first home or your fifth, we'll find the rate and terms that fit your situation.
When the bank says no, there are still options. B-Lenders and Private Lenders can bridge situations until you qualify for traditional financing.
HELOCs, second mortgages, and debt consolidation to use what you've built.
Tap into your home equity in retirement without making monthly payments.
Rental and investment property financing — single-unit, multi-family to commercial.
PricingFor most mortgages, the lender pays my fee — not you. That means I work for you, not for any one bank. In cases involving alternative or private lending for complex situations, fees apply — and you'll know up front, before anything is signed.
In most cases, the lender pays my broker fee — not you.
ExperienceStarted in 2002. I've helped clients through the 2008 financial crisis, the COVID-era rate drop, and the 2022–2023 hikes. Every market shift teaches you something — what to watch for, which lenders move fast, when to lock and when to float. You don't get that perspective from a script. Working with 50+ lenders means I know which one says yes to your specific situation.
As heard on Sher-E-Punjab AM 600
ProcessFrom first conversation to keys in hand — here's what to expect.
A quick conversation to understand your situation, goals, and timeline. No commitment, no pressure.
Start on the Scarlett portal in 15–20 minutes. Or we can walk through it together — whichever works for you.
With a network of 50+ lenders, I find the right approval, rate and terms for your specific situation.
Final paperwork, signing, and handoff. I'm with you until the funds release.
TestimonialsA few words from clients across the Lower Mainland.
"Mr. Sarup Chandi is the best !! He provided us with all the information we need for the mortgage. He guided us through the entire process and gave us tips to help pay our mortgage down more quickly and efficiently. Mr. Chandi went above and beyond for us and we got the good rate. We recommend him one hundred percent."
"Very happy with my results. I had a deadline and they got my financing completed on time as they told me they could. The process was simple, plus they were there every step of the way. Would highly recommend using them."
"I would recommend using Chandi Mortgages for everything related to mortgages. We did our renewal through them, and we saved a lot of money compared to the rate our bank gave us."
"Excellent service and always straight-forward when I meet them. It's my only place for any mortgage related services."
FAQQuick answers to what most clients ask first.
Whether you're ready to apply or just exploring your options, the first conversation costs nothing. English, Punjabi, Hindi, or Urdu — your call.
