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.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Mortgage Broker Surrey - Deepinder SidhuVerified
5.0 · 87 reviews · Free pre-approval
Get pre-approved →
Open Doors Mortgage Team
5.0 · 475 reviews · Free pre-approval
Get pre-approved →
Ingram Mortgage Team
5.0 · 380 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
| # | 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 |
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%.
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.
General information, not financial advice — consult a qualified professional.