Available Now · Surrey BC · All of BC

The Broker Who
Gets Your Deal Done.

When the bank says no — I find yes.

Specialising in self-employed, complex income, new Canadians, and the clients other brokers turn away. I go deeper than any broker to find your approval across all of BC.

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50+

Lender Network

Broker Fee

24h

Pre-Approval

BC✓

Province-wide

Arsh Mansahia

Mortgage Specialist · BC

📍Surrey BC · Serving All of BC

🏢50+ Lender Network · All Tiers

🗣English · ਪੰਜਾਬੀ Spoken Here

⭐Free Consultation · Always

Self-EmployedComplex Income New CanadiansConstructionCommercial

✅

Approved!

Self-employed · 3 banks declined · Found yes

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My Speciality

I help the clients others turn away

🔨

Self-Employed & Tradespeople

Electricians, plumbers, contractors, truckers — your tax return doesn't show your real income. I know exactly which lenders understand self-employed income.

🌍

New Canadians & Newcomers

Recently arrived or received PR? Limited Canadian credit history is no barrier. I work with lenders who welcome newcomers and understand your journey here.

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Family Purchasing Together

Parents helping children buy, joint purchases, family gift funds from abroad — I know exactly how to document and structure these situations properly.

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Complex Income Situations

Multiple income sources, commission-based pay, contract work, recent job change — when your situation doesn't fit the standard bank box, I find the right lender.

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Credit Challenges

Bruised credit, past collections, consumer proposal — your past doesn't have to define your future. Alternative lending with a clear exit strategy.

"I get approved the self-employed and complex income clients other brokers turn away. If you've been told no — call me first."

Arsh Mansahia

Mortgage Specialist · Surrey BC

💬 Free Consultation

Also specialising in

First-Time BuyersRefinancingConstructionCommercialRenewalHELOCDebt ConsolidationReverse MortgagePrivate Lending

Solutions

Every mortgage situation covered

View All Solutions →

🏠

Residential Mortgage

Purchase, refinance, renewal. First-time buyers to seasoned investors. 50+ lenders to find your best rate and structure.

PurchaseRefinanceRenewalFHSA

→

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Self-Employed

Specialised programs beyond tax returns. I look at your real income. Banks say no — I find yes.

Stated IncomeBank StatementsAlt Lenders

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Commercial Mortgage

Office, retail, industrial, mixed-use. Own your business premises — often cheaper than your rent.

RetailIndustrialMixed-Use

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Construction Financing

Building your custom home, duplex, or investment property? Draw-down construction mortgages from land to completion.

Custom HomesDuplexFourplex

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Reverse Mortgage

Unlock your home equity in retirement. No monthly payments. Stay in your home. Access tax-free cash.

55+No PaymentsTax-Free

→

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Home Equity (HELOC)

Use your home's equity as a flexible credit line. Renovations, investments, debt consolidation.

Flexible AccessRenovationsInvestment

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My Promise

Five principles.
One commitment.

Every client conversation, every file I work on, every decision I make is guided by these five principles.

"I don't just get you a mortgage. I become your financial partner — for this purchase, the next one, and every one after."

— ARSH MANSAHIA, Mortgage Specialist

🤝

Trust

Your finances are personal. I treat every file with the same care I'd give my own family.

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Clarity

No jargon. Every option explained in plain language — English or Punjabi.

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Competence

50+ lenders, deep expertise in complex cases. I find solutions others consistently miss.

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Communication

You hear from me at every stage. No silence. English and ਪੰਜਾਬੀ. Your choice.

❤️

Care

I fight for every client like it's the most important deal of my career — because for you, it is.

How It Works

Simple process. Powerful results.

Four clear steps from first conversation to keys in hand.

Free Discovery Call

Tell me your situation honestly. No judgment. I'll tell you exactly what's possible and your best path forward.

Pre-Approval

I package your file and present it to the right lenders. Pre-approval in as fast as 24 hours.

Full Approval

Best rate and structure secured. I handle all lender communication and paperwork on your behalf.

Close & Beyond

Smooth closing with your lawyer or notary. I'm your broker at every renewal and purchase after this one.

Tools

Know your numbers before you decide

Free mortgage calculators to help you plan with clarity and confidence.

Instant Estimates

Four calculators. One clear picture.

Mortgage payment, purchase budget, BC closing costs, and refinance savings. All free, no signup required.

Open All Calculators →

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Mortgage Payment

Calculate your monthly payment

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Purchase Budget

How much home can you afford?

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Closing Costs

Estimate all costs to close in BC

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Refinance Savings

See how much you could save

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Client Stories

What clients say about Arsh

★★★★★

"Two banks declined me because I'm self-employed and my tax return shows lower income. Arsh found a lender who understood my real income and got me approved in one week. I'm now in my home."

Jaspreet S.

Self-Employed Electrician · Surrey BC

★★★★★

"My family sent money from abroad for the down payment. Arsh handled all the documentation perfectly — gift letter, source of funds, everything. What I thought was impossible, he made simple."

Rajveer & Simran K.

New Canadians · Langley BC

★★★★★

"As first-time buyers we were completely lost. Arsh explained everything clearly in both Punjabi and English. He genuinely cares about your family — not just getting a deal done."

Mandeep & Kaur P.

First-Time Buyers · Abbotsford BC

ਸਾਡੀ ਭਾਸ਼ਾ

"ਮੈਂ ਪੰਜਾਬੀ ਵਿੱਚ ਗੱਲ ਕਰਦਾ ਹਾਂ। ਤੁਹਾਡੀ mortgage journey ਨੂੰ ਮੈਂ ਤੁਹਾਡੀ ਭਾਸ਼ਾ ਵਿੱਚ ਸਮਝਾਵਾਂਗਾ।"

Surrey and the Lower Mainland's Punjabi community mortgage specialist. I understand self-employed income structures, family gift funds from abroad, and newcomer challenges — in English and Punjabi.

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