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Review Keywords Analysis

  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in British Columbia
  4. Surrey
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Surrey, BC

How much house can you afford in Surrey? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · 2026 stress test and CMHC rules

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax and rules are for this province.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Surrey

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Mortgage Broker Surrey - Deepinder Sidhu

Verified

Specializing in finding low mortgage rates and fast pre-approvals, Deepinder Sidhu and the team at Deep Mortgages work with over 50 lenders to offer flexible financing options for first-time buyers, refinancing, or investment properties. Clients appreciate their clear communication, patient guidance, and transparent process, though some note the detailed steps can take time.

Services & Prices
Mortgage Approval Assistance, Mortgage Transfer Services)
Debt Consolidation Refinancing, Equity Release Services)
View Profile
(236) 887-0670
Open 7:00 AM - 11:00 PM
7327 137 St #311, Surrey, BC V3W 1A4, Canada
General Services
Mortgage Services
2

Open Doors Mortgage Team

Open Doors Mortgage Team focuses on helping first-time home buyers and those refinancing or consolidating debt find mortgages that fit their long-term financial goals. The team guides clients through each step with clear communication and patient support, making the process smooth and less stressful, especially for newcomers to BC.

Services & Prices
Home Purchase Mortgage Free Consultation
Mortgage Refinancing Free Consultation
First-Time Home Buyer Assistance Free Consultation
Credit Check Free Consultation
View Profile
(778) 999-5522
Open 9:00 AM - 5:00 PM
17674 58 Ave, Surrey, BC V3S 1L6, Canada
General Services
Mortgage Services
3

Ingram Mortgage Team

Known for their responsive and clear communication, the Ingram Mortgage Team helps clients navigate mortgages and renewals with ease. They assist first-time buyers and those refinancing, offering patient guidance and thorough explanations. Customers appreciate their expertise and supportive approach throughout the process.

Services & Prices
Mortgage Renewal Assistance Free Consultation
View Profile
(604) 763-4647
Open 9:00 AM - 5:00 PM
17674 58 Ave, Surrey, BC V3S 1L6, Canada
General Services
Mortgage Services
4

Dreyer Group Mortgages

Dreyer Group Mortgages focuses on guiding first-time homebuyers and those refinancing with patient, clear advice throughout the process. The team helps clients navigate mortgage options and paperwork, often easing stress with thorough explanations and attentive support. Some clients note that timelines can be longer than expected, but the agents remain committed throughout.

Services & Prices
Mortgage Rate Comparison Free Consultation
View Profile
(604) 536-3802
Open 8:30 AM - 4:30 PM
1688 152 St #404, Surrey, BC V4A 4N2, Canada
General Services
Mortgage Services
5

Surrey Mortgage Broker / Vik & Paris Sahi – Mortgages 4 You

Affiliated with Dominion Lending Centres, Mortgages 4 You offers access to a wide range of mortgage products beyond typical bank options. The team assists with everything from first-time homebuying and renewals to refinancing and specialized solutions for the self-employed. Clients appreciate their clear communication and responsiveness throughout the process.

Services & Prices
Mortgage Renewal Free Consultation
Home Financing Solutions Free Consultation
Understanding Loan Options Free Consultation
Rate Comparison Free Consultation
View Profile
(778) 991-0810
Open 00:00 - 23:59
7327 137 St #405, Surrey, BC V3W 1A4, Canada
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Mortgage Broker Surrey - Asim Ali

Known for access to a wide network of lenders, Mortgage Broker Surrey - Asim Ali helps clients secure competitive mortgage rates, including options through private lenders when traditional banks decline. The team works closely with each client to find suitable mortgage products, with many appreciating their responsiveness, though some have noted occasional communication delays.

Services & Prices
Home Purchase Mortgage Fee quoted per loan
Refinancing Fee quoted per loan
View Profile
(604) 591-3590
Open 7:00 AM - 9:00 PM
7327 137 St Suite 311, Surrey, BC V3W 1A4, Canada
General Services
Mortgage Services
7

Legacy Mortgage Group

Known for offering a digital-first experience and access to over 100 lenders, Legacy Mortgage Group helps clients across Alberta and British Columbia find competitive mortgage rates. Their services include pre-approvals, renewals, refinancing, and specialized financing for various life situations. Customers appreciate the team’s knowledgeable guidance and responsive communication throughout the… more...

Known for offering a digital-first experience and access to over 100 lenders, Legacy Mortgage Group helps clients across Alberta and British Columbia find competitive mortgage rates. Their services include pre-approvals, renewals, refinancing, and specialized financing for various life situations. Customers appreciate the team’s knowledgeable guidance and responsive communication throughout the mortgage process.

Services & Prices
Mortgage Pre-Approval Free Consultation
View Profile
(604) 613-2891
Open 9:30 AM - 5:30 PM
15350 Croydon Dr #203, Surrey, BC V3Z 1H4, Canada
General Services
Mortgage Brokering
8

Lakhvinder Gill | Residential, Commercial & Private Mortgages in Surrey & Lower Mainland, BC

Specializing in mortgages that traditional banks often decline, this brokerage helps clients navigate complex financial situations with tailored strategies. They offer residential, commercial, and private mortgages throughout Surrey and the Lower Mainland, with a focus on clear communication and a stress-free process. Clients appreciate their responsiveness and detailed explanations, though some… more...

Specializing in mortgages that traditional banks often decline, this brokerage helps clients navigate complex financial situations with tailored strategies. They offer residential, commercial, and private mortgages throughout Surrey and the Lower Mainland, with a focus on clear communication and a stress-free process. Clients appreciate their responsiveness and detailed explanations, though some note the process can require patience.

View Profile
(604) 725-6734
Open 8:00 AM - 8:00 PM
6678 152 St Unit 201, Surrey, BC V3S 7J2, Canada
9

Pragmatic Mortgage Broker Surrey

Pragmatic Mortgage Lending offers direct access to licensed brokers who provide clear, practical advice tailored to each client’s unique situation. Their services include mortgage pre-approval, purchase support, refinancing, and renewal assistance, with flexible consultation options and a secure document portal. Clients appreciate the team’s patience and thorough guidance, especially when… more...

Pragmatic Mortgage Lending offers direct access to licensed brokers who provide clear, practical advice tailored to each client’s unique situation. Their services include mortgage pre-approval, purchase support, refinancing, and renewal assistance, with flexible consultation options and a secure document portal. Clients appreciate the team’s patience and thorough guidance, especially when navigating complex scenarios.

Services & Prices
Purchase Mortgages Free Consultation
Refinancing Free Consultation
Pre-Approval Free Consultation
View Profile
(778) 557-2144
Open 8:00 AM - 8:00 PM
8638 159 St Unit 27, Surrey, BC V3R 0R3, Canada
General Services
Mortgage Services
10

Private Mortgage Brokers

Private Mortgage Brokers specializes in private and alternative mortgage solutions for clients who don’t fit conventional lending criteria. Their services include refinancing, second mortgages, and financing for unique property types, with a focus on thorough financial reviews and exit strategies. Customers appreciate their trustworthy, competitive approach and clear guidance.

View Profile
(778) 650-7023
Open 9:00 AM - 5:30 PM
9850 King George Blvd #300, Surrey, BC V3T 0P9, Canada
Surrey Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Mortgage Broker Surrey - Deepinder Sidhu 5.0 87 — (236) 887-0670 Visit
2 Open Doors Mortgage Team 5.0 475 Free Consultation (778) 999-5522 Visit
3 Ingram Mortgage Team 5.0 380 Free Consultation (604) 763-4647 Visit
4 Dreyer Group Mortgages 5.0 202 Free Consultation (604) 536-3802 Visit
5 Surrey Mortgage Broker / Vik & Paris Sahi – Mortgages 4 You 5.0 134 Free Consultation (778) 991-0810 Visit
6 Mortgage Broker Surrey - Asim Ali 4.7 99 Fee quoted per loan (604) 591-3590 Visit
7 Legacy Mortgage Group 5.0 30 Free Consultation (604) 613-2891 Visit
8 Lakhvinder Gill | Residential, Commercial & Private Mortgages in Surrey & Lower Mainland, BC 5.0 25 — (604) 725-6734 Visit
9 Pragmatic Mortgage Broker Surrey 5.0 21 Free Consultation (778) 557-2144 Visit
10 Private Mortgage Brokers 5.0 12 — (778) 650-7023 Visit

How this Surrey mortgage affordability calculator works

Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.

British Columbia rules and numbers this calculator uses

Stress test
You must qualify at the higher of your rate plus 2% or 5.25% (OSFI and federal insured-mortgage rules).
Debt limits
Housing costs up to 39% of gross income (GDS) and all debts up to 44% (TDS), the CMHC maximums. CMHC also needs a credit score of at least 600.
Minimum down payment
5% of the first $500,000 and 10% of the part above it. Homes priced at $1.5 million or more need 20% down and cannot be insured.
Mortgage insurance
Under 20% down, a CMHC premium is added to the loan: 2.80% of the loan at 15–19.99% down, 3.10% at 10–14.99% and 4.00% at 5–9.99%, plus 0.20% for a 30-year amortization.
Amortization
First-time buyers and buyers of new builds can take 30 years on an insured mortgage; others are tested at 25 years.
Property tax
About 0.31% of the home's value a year (British Columbia average, 2025), plus $100 a month for heating.
Rate
Starts at 4.49% (a typical 5-year fixed, October 2026). Change it to the rate you have been offered.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
The calculator estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
What is the stress test for mortgages in Surrey?
In Surrey, you must qualify at the higher of your contract rate plus 2% or 5.25% for the mortgage stress test.
How much mortgage can I qualify for with a $100k salary in BC?
Your mortgage qualification depends on your GDS and TDS ratios, debts, and down payment. Use the calculator for an estimate.
How do debts affect my mortgage affordability in BC?
Debts reduce the mortgage amount you can qualify for by affecting your TDS ratio, which must be 44% or less of your gross income.
Can first-time buyers in BC get a 30-year mortgage?
Yes, first-time buyers and buyers of new homes can get a 30-year amortization on an insured mortgage.
What is the property tax rate in Surrey?
In Surrey, property tax is approximately 0.31% of the home's value annually, based on 2025 rates.
What's the difference between pre-approval and pre-qualification?
Pre-approval confirms your mortgage amount after verifying income, debts, and credit. Pre-qualification is an estimate without verification.
How does CMHC insurance affect my mortgage in BC?
CMHC insurance premiums range from 2.80% to 4.00% of the loan, depending on your down payment. No premium is needed with 20% down.

General information, not financial advice — consult a qualified professional.