Hundreds of Happy Clients
Langley Mortgage Broker
for Purchases, Refinancing
& Private Lending
Also Helping Clients In
Langley
Surrey
Abbotsford
White Rock
Vancouver
Tri-Cities
Burnaby
Richmond
Delta
Maple Ridge
North Vancouver
West Vancouver
Terry Batth helps clients across BC structure clear mortgage options with banks, B-lenders, credit unions, and private lenders.
Complete our simple online application in under 5 minutes – No credit pull required to start.
- Good Credit, Bruised Credit & Complex Files Welcome
- Fast Initial Review, Often Within 2 to 4 Hours
- Based in Langley, Licensed BC-Wide
Terry Batth is a Langley-based mortgage broker helping clients across British Columbia with home purchases, refinancing, mortgage renewals, debt consolidation, and private lending.
Proudly helping families in: Langley | Surrey | Abbotsford | White Rock | Vancouver | Tri-Cities | Burnaby | Richmond | Delta | Maple Ridge | North Vancouver
& All Metro Vancouver communities since 2017
What Mortgage Help Do You Need?
Choose your situation below and
Terry will guide you toward the right mortgage option.
Buying a Home?
Get mortgage options for your next home purchase, whether you’re a first-time buyer, moving up, or buying another property.
Need a Pre-Approval?
Find out how much you may be able to borrow before you shop, write an offer, or remove subjects.
Want to Refinance?
Access home equity, lower payments, renovate, invest, or restructure your mortgage with clear lender options.
Consolidating Debt?
Use your home equity to combine high-interest debts into one mortgage payment and improve monthly cash flow.
Mortgage Renewal Coming Up?
Don’t sign your bank’s renewal before comparing your options. Terry can review your renewal and shop available lenders.
Need Private lending?
Private mortgage options for urgent timelines, bruised credit, second mortgages, self-employed income, bank declines, or complex files.
Need help with self-employed income, second mortgages, bad credit, or a complex approval?
Terry works with clients who do not always fit a standard bank approval.
Mortgage Options From
Banks, B-Lenders & Private Lenders
A few of the lenders and institutions available through broker channels include:
Happy Client
. . .
“Terry made the entire mortgage process simple, fast, and stress-free. He helped us meet our subject removal deadline and got our approval done quickly even with some challenges in our file.”
Paul & Alison – New Home Purchase in Brookswood
Ready To Talk About Your Mortgage Options?
Get a Fast Reply From Terry
Answer a few quick questions below. Terry will review your situation and follow up with the next best step.
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What Clients Say About Working With Terry
purchases, refinancing, renewals, and complex mortgage situations.
See all Google Reviews
Frequently Asked Questions
Have a quick question? Find fast, easy answers right here.
What are the current mortgage rates in Langley and the Lower Mainland?
Mortgage rates can change often based on the lender, mortgage type, down payment, credit profile, income, property type, and overall market conditions. Instead of guessing from advertised teaser rates, Terry reviews your situation and compares available mortgage options across banks, monolines, credit unions, B-lenders, and private lenders.
How long does a mortgage pre-approval take in British Columbia?
A mortgage pre-approval can often be reviewed within 24 to 48 hours once the main documents are received. More complex files may take longer, especially if there are self-employed income, credit, down payment, or property details that need extra review.
Can I get a mortgage if I am self-employed or have complex income structures?
Yes, self-employed clients, contractors, business owners, and borrowers with complex income may still have mortgage options. Depending on the file, Terry may review bank programs, stated income options, B-lenders, alternative lenders, or private lending solutions.
What is the minimum down payment required to purchase a home in BC?
In British Columbia, the minimum down payment is usually 5% for homes priced at $500,000 or less, 5% on the first $500,000 plus 10% on the portion above $500,000 for homes under $1.5 million, and 20% for homes priced at $1.5 million or more. If your down payment is under 20%, mortgage default insurance may be required.
What should I do if a bank branch delays my approval close to my subject removal date?
If your bank approval is delayed close to subject removal, contact Terry as soon as possible. He can review the file, identify what is missing, and see whether another lender option may be available through banks, credit unions, B-lenders, alternative lenders, or private lenders. Timing matters, so do not wait until the last day.
Which areas do you service as a mortgage broker?
Terry is based in Langley and helps clients across British Columbia. Core service areas include Langley, Surrey, Abbotsford, White Rock, Vancouver, Tri-Cities, Burnaby, Richmond, Delta, Maple Ridge, North Vancouver, West Vancouver, and nearby Metro Vancouver and Fraser Valley communities.