Home Purchase Mortgages in Surrey & the Lower Mainland
We'll be your guide through the home buying process.
Whether you're buying your first home or your next one, Open Doors Mortgage Team works with over 30 lenders to find the mortgage product that fits your situation — not just the lowest rate. We serve home buyers across Surrey, Langley, Delta, Vancouver, Richmond, Burnaby, and the entire Lower Mainland.
Book a free consultation to get started.
The home buying process can be overwhelming, it doesn't have to be with the right professionals on your side! Follow our 3 step plan.
Get started right away
The best place to start is to connect with us directly. The mortgage process is personal. Our commitment is to listen to all your needs, assess your financial situation, and provide you with a clear plan forward.
Get a clear plan
Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let us help cut through the noise. We'll outline the best mortgage products available, with your needs in mind.
Let us handle the details
When negotiating with the lender, we will handle everything for you. Our commitment is to ensure you know exactly where you stand at all times. No surprises. we've got you covered.
Buy property with confidence
We'll take care of the financial details, so you can focus on finding the perfect home.
Let's run some numbers
Start by telling us where you're at in your home buying journey.
Resources to help you with mortgage financing on your home purchase
Should you get preapproved for a Mortgage?
If you’re thinking about buying a property, but you’re not sure where to start, you’ve come to the right place. Getting pre-approved is one of the first steps in your home buying journey.
An Overview of the Home Buying Process
If you’re planning to buy either your first home or your next home, let’s assess your creditworthiness, take a look at your income, plan for a down payment, and nail down exactly how much you can afford to borrow.
GDS/TDS Ratios Explained
One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.
How to Avoid an Accidental Home Purchase
Buying a property might be easier than you think. So, if you have NO desire AT ALL to qualify for a mortgage, here are some great steps you can take to ensure you don’t accidentally buy a property.
Getting a Mortgage While on Parental Leave
If you’ve thought now is the time to find a new property to accommodate your growing family, but you’re unsure how your parental leave will impact your ability to get a mortgage, learn more about parental leave and mortgage qualification here.
Understanding your Employment Status
If you’re looking to secure mortgage financing, understanding how lenders look at your employment is an important step in understanding mortgage qualification. Learn more about your employment status.
Learn more about how credit impacts a home purchase
Credit and Mortgage Financing
Credit is the ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit.
How to Handle Missed Payments
If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.
Programs that help you buy a property
Using Your RRSP For a Home Purchase
Did you know there’s a government program that allows you to use your RRSP to help come up with your downpayment to buy a home? Learn more about the Home Buyer’s Plan.
What is a Cashback Mortgage?
A cashback mortgage is similar to a standard mortgage, except that you receive a lump sum of cash upon closing. Learn more about how a cashback mortgage works and if you qualify.
Purchase Plus Improvements
Did you know that if you can’t quite find a property to meet your needs, that you can include the cost of renovations into your mortgage? Learn more about purchase plus improvements here.
⎯ Common questions
Straight answers.
No jargon.
What makes Open Doors different from going to my bank?
A bank can only offer their own products. Open Doors works with 30+ lenders — banks, credit unions, and alternative lenders — so we shop on your behalf and find the product that genuinely fits your situation. We're focused on your long-term outcome, not a single transaction.
How does Open Doors help first-time buyers in Surrey and the Lower Mainland?
We walk first-time buyers through everything — how much you can afford, what programs are available (like the First Home Savings Account), how your credit profile looks to lenders, and what the process looks like step by step. Our goal is to replace confusion with a clear, confident plan.
Can I get a mortgage if I'm self-employed?
Yes — self-employed mortgages are one of our specialties. We work with lenders who understand how business income is structured and can qualify clients who don't fit standard bank criteria. Even if your declared income is lower due to deductions, there are strong options available.
Is there a cost to using a mortgage broker?
In most cases, our services cost you nothing directly. We are compensated by the lender when your mortgage funds. We're always transparent about how we're paid — no surprises, no hidden fees. In some alternative lending situations a broker fee may apply, and we'll always be upfront before you proceed.
When does it make sense to refinance my mortgage?
Refinancing can make sense when you want to access home equity for renovations or investment, consolidate high-interest debt, or take advantage of rate improvements. We assess your current mortgage and goals together to determine whether it's worth it for you — not just whether it's possible.
What areas does Open Doors Mortgage serve?
We serve clients across the Greater Vancouver Lower Mainland — Surrey, Langley, Delta, Vancouver, Richmond, Burnaby, New Westminster, North Vancouver, and Abbotsford. We also work with clients across BC and in many cases anywhere in Canada.
How quickly can I get pre-approved?
In most cases we move quickly once we have your documents — many pre-approvals are completed within 24–48 hours. Having your income documents, employment confirmation, and financial statements ready ahead of time speeds things up considerably.
Is Open Doors Mortgage licensed in BC?
Yes. Open Doors Mortgage Team is licensed through the BC Financial Services Authority (BCFSA) and operates under Verico Paragon BrokerSquared, one of Canada's leading mortgage broker networks. All team members are licensed mortgage professionals.
