At Asim Ali, we pride ourselves on providing a streamlined mortgage process for consumers. Our expert team has supported hundreds of families across Canada.
Mortgage Services We Offer
At Asim Ali, we know that your mortgage needs change over time. You might be working to improve your credit score to get a better deal. Or, you might want to keep your monthly costs the same by switching to a fixed-rate mortgage. No matter what, we have the skills to guide you.
Our goal is to find a home loan that fits your life. From buying your first home to combining your debts, we make the mortgage journey easy for clients in British Columbia and Alberta.
Refinancing Services
Refinancing means replacing your current mortgage with a new one on better terms, such as a lower rate or a lower payment. It can save you money and give your budget more room.
Buying a Home & First-Time Buyers
Whether you are buying your first home or you are an expert investor, we are here to make things simple. Our team does more than just find you a loan. We teach you the best way to own a home.
We talk about special options like loans for people who work for themselves and uninsured mortgage solutions. Before you start looking at houses, make sure you get a strong mortgage pre-approval in Surrey. This gives you the confidence to make a great offer.
Borrowed Down Payment Services
Usually, you need to save at least 5% of the home price for a down payment. We know that saving that much money is hard in today’s market. We offer special borrowed down payment services. This lets people who qualify use a small loan to pay for their down payment.
This helps you buy a home sooner. You can start building value in your home now instead of waiting years while current mortgage rates and house prices go up.
Purchases
It does not matter if this is you are a first-time home buyer or if this is your 25th house, we are here to help you no matter what you need. Our team of expert mortgage brokers provides the best mortgage rates & services in all of Canada.
Our job is not only to help you find the perfect house, but it is also to educate you on the different options that you have in front of you. We will take the time to discuss with you: self-employment programs, vacation property programs, no-down-payment mortgages, and a lot more alternative ways of financing. Let us help you to find your house and make your dream home a reality.
Mortgage Refinancing Services
Refinancing your mortgage is a smart way to trade your current loan for a new one. The new loan usually has better rules, like a lower interest rate or lower monthly payments.
Many people use our mortgage refinance calculator to see how they can:
- Combine high-interest debt into one easy payment.
- Use the value of their home to pay for repairs or new investments.
- Lower their monthly bills to save more money.
Commercial Mortgage Services
We provide high-quality commercial mortgages in Vancouver, Surrey, and all across BC. We help businesses and companies get loans for many types of buildings, including:
- Office buildings and shopping centers.
- Buildings with shops on the bottom and apartments on top.
- Warehouses and empty land.
B-Lending & Alternative Solutions
Sometimes, big banks say “no” because of a low credit score or a past bankruptcy. When that happens, we look for B-Lender mortgage solutions.
These lenders look at your whole story, not just a credit number. The interest rates might be a little higher, but B-Lending is a great “bridge.” It helps you buy a house now. Later, when your credit gets better, you can move back to a big bank.
Private Lender Services
A private lender in BC is a great choice if banks and B-lenders won’t help. These loans are usually for a short time, like 6 months to 2 years.
Our team works with many private investors to help you get the money you need. This is perfect for homeowners who have a lot of value in their home and need cash quickly for a short-term problem.
Business Financing Services
We also help people succeed with business financing in BC. We can help you get a loan for new tools or to buy an existing company. We provide the money you need to make your business dreams come true.
Mortgages for the Self-Employed
Many Canadians work for themselves. But big banks often make it hard for these people to get a home loan. If you use business costs to pay less in taxes, the bank might think you don’t earn enough money to buy a house.
Asim Ali is an expert in mortgages for the self-employed. We work with lenders who understand how small businesses work. They look at your real income so you can get a home while you grow your company.
Construction Financing
Building your own home is different than buying one that is already finished. Construction financing uses a “draw schedule.” This means the bank gives you money in pieces as you finish different parts of the house.
Whether you are building your first house or you are a professional builder, we help you manage the paperwork to keep your project moving.
Ready to Find the Right Solution?
The first step is understanding how much mortgage you can afford. Contact Asim Ali and his team today. We can talk about which service is the best fit for your future.