Apply Now
Apply Now

Terms & Conditions (Including Disclosures & Disclaimers)

Effective Date: March 24, 2026

  1. Brokerage Disclosure & Licensing

Terry Batth is a licensed Sub-Mortgage Broker (BCFSA License #502423) registered with DLC A.I.M.I. Collective Mortgage Group, an independently owned and operated mortgage brokerage in British Columbia.

All mortgage business is conducted through DLC A.I.M.I. Collective Mortgage Group.

  1. No Mortgage Guarantee, OAC

All mortgage approvals, interest rates, terms, conditions, and lender decisions are On Approved Credit, OAC.

Rates and products are subject to change without notice.

Submission of an application, intake form, contact form, text message, phone call, or inquiry through this website does not constitute a mortgage approval, pre-approval, commitment to lend, rate hold, or financing guarantee.

Final approval is subject to lender criteria, income verification, credit review, down payment verification, property review, appraisal, insurer approval where applicable, legal review, and any other conditions required by the lender, insurer, brokerage, or regulator.

  1. Website Information

The information on terrybatth.com is provided for general informational purposes only.

While we strive for accuracy, the mortgage market in British Columbia and Canada changes frequently. Information on this website regarding rates, stress tests, mortgage rules, down payment requirements, qualifying criteria, lender options, or timelines may not reflect the most current lender, insurer, or regulatory changes.

You should not rely only on website information when making mortgage, legal, tax, investment, or real estate decisions.

  1. Use of Website Forms

Website forms on terrybatth.com are used to collect basic information so Terry can understand your mortgage request and follow up with the next best step.

Submitting a form does not automatically create a mortgage application with a lender.

Submitting a form does not create a mortgage approval, pre-approval, commitment to lend, or hard credit pull.

Credit will only be reviewed after discussion and after receiving your clear consent.

You are responsible for ensuring the information you provide is accurate, complete, and not misleading.

  1. Use of Website Tools and Calculators

Any mortgage calculators, payment tools, qualification tools, or third-party tools provided on terrybatth.com are for estimation purposes only.

They may not account for all closing costs, taxes, legal fees, appraisal fees, lender fees, broker fees, default insurance premiums, penalties, strata fees, property taxes, or other costs related to your specific mortgage file.

Terry Batth and DLC A.I.M.I. Collective Mortgage Group are not liable for financial decisions made based only on website calculators or general website information.

  1. Third-Party Links and Tools

Our website may link to third-party websites or tools, which may include mortgage calculators, lender resources, Canadian Mortgage App, Lender Spotlight, booking tools, CRM forms, analytics tools, call tracking systems, and other external platforms.

We are not responsible for the content, accuracy, availability, security, privacy policies, or practices of external websites or third-party tools.

  1. Communication Consent, CASL

By submitting a form, calling, texting, emailing, or otherwise contacting Terry Batth – Mortgage Broker, you consent to being contacted about your mortgage inquiry, application intake, document requests, appointment coordination, and next steps.

You may receive phone calls or emails related to your mortgage inquiry.

Promotional or marketing emails, where used, may include an unsubscribe option. You can unsubscribe or withdraw consent at any time by using the unsubscribe link where available or by contacting us directly.

  1. SMS/Text Message Terms

By checking the SMS consent box on our website form, you agree to receive non-marketing text messages from Terry Batth – Mortgage Broker about your mortgage inquiry, application intake, appointment reminders, document requests, and next steps.

Message frequency may vary. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

SMS consent is not required as a condition of submitting a mortgage inquiry or receiving mortgage brokerage services.

You can cancel SMS messages at any time by replying STOP to +1 778 900 8613. After you reply STOP, we may send one final message confirming that you have been unsubscribed. After this, you will no longer receive SMS messages unless you opt in again.

For help, reply HELP or contact [email protected].

For privacy details, please review our Privacy Policy.

  1. Call Tracking and Recording

Calls to Terry Batth – Mortgage Broker may be tracked or recorded for quality assurance, compliance, training, and record-keeping purposes.

By calling us, you consent to potential call tracking or call recording. If you prefer not to have a call recorded, you may request to communicate by email.

  1. Fees and Costs

Some mortgage files may involve lender fees, broker fees, appraisal fees, legal fees, title insurance fees, discharge fees, mortgage default insurance premiums, private lending fees, or other third-party costs.

Any applicable costs will depend on your file, lender, product, property, approval conditions, and chosen mortgage option.

Terry will explain known costs before you decide whether to proceed with a mortgage option.

  1. No Legal, Tax, or Financial Planning Advice

Information provided on this website or through general communication is not legal, tax, accounting, investment, or financial planning advice.

You should consult a qualified lawyer, accountant, tax professional, financial planner, or other professional advisor for advice specific to your situation.

  1. Limitation of Liability

To the maximum extent permitted by law, Terry Batth and DLC A.I.M.I. Collective Mortgage Group shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website, website forms, third-party tools, or general information provided on this website.

  1. Governing Law

These Terms and Conditions are governed by the laws of the Province of British Columbia and the federal laws of Canada.

  1. Contact Information

Terry Batth, Sub-Mortgage Broker
BCFSA License: 502423
DLC A.I.M.I. Collective Mortgage Group
Direct: 778-900-8613
Email: [email protected]
Address: 19951 80A Ave, Langley Twp, BC V2Y 0E2

Brokerage Office:

DLC A.I.M.I. Collective Mortgage Group
Office: 604-591-3590
Address: 311-7327 137 Street, Surrey, BC V3W 1A4
Email: [email protected]

Scroll to Top