Mortgage Stress Test Rate: Higher of 5.25% OR your rate + 2% to qualify for a bank mortgage

Bank Prime Rate: 7.20%

Benchmark Rate: 5.00%

The real estate market is very hot at the moment, and Surrey, in particular, is one of British Columbia’s fastest-growing markets. If you are interested in this area, Benevolent Bancorp can provide you with the best rates because our team is aware of all of the latest trends and will do everything we can to help you purchase your dream home.

We will review your application and will do whatever it takes to help you secure the home you’ve always wanted. We work with our clients to understand their needs, and our mortgage specialists will provide you with the best rates possible.

When it comes to your mortgage, you need to work with a reputable and experienced team, and when you contact Benevolent Bancorp, you can have peace of mind knowing you are in good hands. We are experts when it comes to mortgages in the Surrey area and will gladly answer any of your questions and address any concerns you may have. We provide our clients with the latest rates and will get you the best mortgage in Surrey, so do not hesitate to contact us if you are interested in purchasing a new home.

Ultimately, our goal is to help you get the mortgage that meets your needs, and we will work with you to make this a reality. Buying a home is very exciting, and we will make sure the process is an enjoyable one, so if you want the best mortgage rates and are looking for a positive experience, contact us today!

Surrey Residential High Ratio Mortgage Rates
5 Year Variable High Ratio Purchase to 95% Call
5 Year Fixed High Ratio Purchase to 95%Call

5 Year Variable conventional insurable purchase to 80%

5 Year Fixed conventional uninsurable purchase to 80%



Call us for “SPECIALS” of the week and for other programsCall

Alternative Lending Rates: Bank Turn-down because of income and or credit issues or because you are self-employed? Not a problem. ‘B’ banks offer very competitive rates that you can live with; fix your credit or income situation and then after a year or two get qualified for a conventional mortgage.

Rates for the first mortgage for Alternative Lending are slightly higher than the conventioanl mortgage rates. 

Self-Employed Borrowers
Self-employed borrowers can qualify with just six months of bank statements to verify cash flow. Purchase, Refinance, First Mortgage, Second Mortgage, and Home Equity Line of Credit in the First or Second Position. Call us for a no obligation rate quote and approval.

Home Equity Line of Credit with No Income Verification also available.

Private Mortgage Rates
Private Mortgages are equity-based so you must have sufficient lendable equity in your home.

Good or Bad Credit.

No Income Verification.

Rates are based on loan to value ratio. The lower the loan to value ratio, the lower the rate. Call us now for instant approval and funding in 5 days.

Private First Mortgage at Low Rates: Call us
Private Second Mortgage at Low Rates: Call us

Call or email us for a customized rate quote with no obligation.

Rates are subject to change without notice. Conditions apply.

You can also fill out our short Contact US form or contact us via our phone: 604-503-9808 or email:

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