Need a Personal Loan? We have 2 different lender options for you. Email us today for more information.

Alex Kotai, President & Senior Mortgage Advisor

Alex Kotai has worked in the mortgage brokerage business for well over 10 years. His career started at HSBC Bank Canada where he spent most of his time in senior management roles which involved training and managing the sales staff at his branch. After leaving HSBC, Alex decided to open his own mortgage brokerage firm, Your Mortgage Source. Through his company, Alex has access to many lenders across the country with a very expansive list of products.

Alex has lived in the community of Abbotsford for many years and has an in-depth knowledge of the local real estate market. He has contacts in all fields of the market including lawyers, notaries, real estate agents and home inspectors. This means you have access to all of the resources available to draw upon for your mortgage and housing needs. In addition to his experience in the mortgage business, Alex has a wealth of knowledge obtained through his educational background which includes a Bachelor of Business Administration Degree.

Alex is truly committed to providing first class customer service and finding the right mortgage for his clients in Abbotsford, Chilliwack, the Fraser Valley and Canada wide. Alex believes in providing great advice and will look at every means possible to get clients the mortgage they need. He truly enjoys working with people and this is evident in the service he provides each and every day.

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Our Valuable Team Of Mortgage Advisors

Harry Bedi
Harry Bedi778.968.8764
Harry Bedi is a licensed Mortgage Broker with Your Mortgage Source. He is here to help his clients by providing mortgage services for Residential, Commercial and Agriculture properties. Harry brings knowledge, passion and hard work to the table to help his clients find the best mortgage rates and terms for purchasing or refinancing their properties.

Harry graduated from a local college with a Diploma in Business Administration and worked in this field until he obtained his Mortgage Broker registration. During this time he developed good working relationships with local Lawyers, Realtors, Builders and Financial Advisors, many of which continue to work with him in his mortgage brokering activities.

Harry has helped clients who are first time home buyers, clients with bruised credit and clients who are business owners/operators. He looks forward to helping you purchase your next home or refinance your current one. He can be reached via phone or email at anytime for mortgage related advice and services.

Monty Bhambra
Monty Bhambra778.908.7866
Monty Bhambra is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Rinku Bhatia
Rinku Bhatia778.891.7595
Rinku Bhatia is a licensed Mortgage Broker with Your Mortgage Source. With his extensive experience in the construction industry he doesn’t sell mortgages to his clients but helps provide the best rates to them. He deals in residential, commercial, and industrial mortgages. He has helped customers with bad credit, no credit, first time home buyers and second mortgages.

Rinku is a graduate of the UBC Sauder School of Business. He is also an Architectural Designer, running a small firm. With his experience he provides exceptional service to his clients for their mortgages needs.

Jaswinder Bola
Jaswinder Bola604.618.3240
Jaswinder Bola is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Mandeep Brar
Mandeep Brar604.825.7681
Mandeep Brar has been in the financial industry since 2009. He is a graduate from mortgage broker program at the UBC Sauder School of Business. His extensive knowledge and experience comes from working as an insurance advisor at World Financial Group. As a YMS mortgage advisor Mandeep has access to a large number of banks, credit unions and other lenders. He looks forward to helping you whether you are purchasing a new home or refinancing an existing property. He can be reached at any time by phone, text or email.
Suresh Chawla
Suresh Chawla778.990.8472
Suresh Chawla is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Sonia Chhabra
Sonia Chhabra604.217.1377
Sonia is a licensed Mortgage Specialist with Your Mortgage Source. She has successfully completed her mortgage broker program at the Sauder School of Business – UBC. In her previous line of work, Sonia has worked as a Staff Accountant and an Accounts Receivable/Payable Administrator, completed and obtained her Accounting degree from Kwantlen Polytechnic University – School of Business. Along with Sonia’s educational background, Sonia is fluent in both English and Punjabi. Throughout her experience, Sonia has developed a strong professional network that has allowed her to provide her clients with a high degree of service and trusted advise.

Sonia’s goal as a Mortgage Broker is to help her clients achieve their financial obligations and finding the right mortgage that meets their needs. Sonia is here to help her clients by providing mortgage services for Residential, Commercial and Agriculture properties. She can be reached via phone or e-mail at any time for mortgage related advice and services.

Clay Delorme
Clay Delorme604.615.7355
Clay Delorme is a graduate of the Sauder School of Business at UBC. He brings a wealth of professional knowledge to the table in the mortgage and real estate industry including: Residential experience (luxury, acreage, new construction, strata, fee-simple, foreclosures, rentals, vacation, and manufactured) as well as Commercial experience (strata, lease, multi-unit rentals, bare-land and land assembly). Take this knowledge and experience and mix it with Clay’s client-centered approach to create a recipe for happy clients that have the best financing scenario to meet their needs.
Oscar Demirbas
Oscar Demirbas778.998.4470
Oscar Demirbas is a licensed Mortgage Advisor with Your Mortgage Source. She specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Amandeep Dhaliwal
Amandeep Dhaliwal604.362.0004
Amandeep is a licensed Mortgage Broker with Your Mortgage Source. His specific areas of expertise includes first-time home buyers, refinances, alternative lenders and second mortgages. His goal is to assist clients in improving cash flow while reaching their goals by finding tailored solutions to their unique situations.

Amandeep understands that buying a new home can be both exciting and daunting and he really aims to make it easier, smoother, and less stressful for his clients. He aspires to support them through the process and achieve the mortgage they need through his personal commitment to every client.

Kulwinder Dheria
Kulwinder Dheria604.217.7676
Kulwinder Singh Dheria has been in the Financial Industry for over 10 years providing exceptional advice and service to his clients. Kulwinder has an MBA degree in Finance. His extensive knowledge and experience comes from working as an Investment and Insurance Advisor at Investors Group, Financial Advisor at CIBC and Manager Mortgage Specialist at TD Canada Trust. Kulwinder works with first time Home Buyers, Commercial Business Investors, Builders, Financial Planners, and Realtors. He services the Greater Vancouver Area, Fraser Valley and across BC.
Avneet Dhutti
Avneet Dhutti778.552.8846
Avneet has graduated from UBC Sauder School of Business under the mortgage Broker program. Her aim is to assist clients in every possible way, providing the best advice for their mortgage needs. As a mortgage advisor, she deals with various financial institutions and assure that applicants in need of services in matters related to finances are provided with the simplest yet best solutions possible available after careful consideration of all factors.
Ahmed Hussein
Ahmed Hussein604.302.7263

Over the last decade, Ahmed has consistently been involved within the Abbotsford community. Whether it is through his extensive volunteer work at the Abbotsford Regional Hospital or his involvement with different hockey programs, Ahmed has always found Abbotsford to be home.

Despite initially completing a BSc (Biology) and a BA (Psychology) in pursuit for a career as a family physician, Ahmed still had a passion for all things finance. He has spent the last 15 years developing and managing an equity portfolio that is primarily focused on insurance provision via CFD’s.

Furthermore, Ahmed is no stranger to real estate. As an investor himself, he intimately understands the local rental markets. Having personally been through numerous purchases and refinances, Ahmed comprehends the need for a competent mortgage team to assist in any acquisition. It is his pleasure to work for you in attaining your real estate lending goals.

Harpreet Kaler
Harpreet Kaler778.551.0751
Harpreet Kaler is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Navneett Kaur
Navneett Kaur778.862.0450
Navneett is a licensed Mortgage Advisor with Your Mortgage Source. She specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Niki Kaur
Niki Kaur778.552.6522
Niki Kaur successfully completed her Mortgage Broker program at the UBC Sauder School of Business. Throughout her experience, she has developed strong connections with solicitors/lawyers, real estate agents and other professionals. Her goal as a Mortgage Broker is to help clients achieve their financial needs and assist them to find the right rate/mortgage they deserve. She specializes in residential, commercial and construction lending.
Preet Kaur
Preet Kaur604.808.1201
Preet Kaur is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Dinesh Kumar
Dinesh Kumar604.353.5200
Dinesh Kumar is a professional mortgage consultant operating in the Lower Mainland. After working in various capacities in the banking industry for over 25 years in India, he started his mortgage career here in Canada in 2010. His main focus is on transparency, honesty and integrity. His goal is to find you the mortgage you need. There is much more to a mortgage than just the rate. While he will strive to get you the best rate, he will also make sure you have terms within your mortgage
that are advantageous for you! Dinesh is always working in your best interest. Please contact him any time.
Bin Liu
Bin Liu604.791.3635
刘斌,国语服务,微信 bin76972 Bin is a hard-working immigrant and a diligent mortgage advisor who offers honest service in a timely manner. He graduated from the mortgage broker program at the UBC Sauder School of Business. Bin is always happy to help you in English or Mandarin.
Steve Lucas
Steve Lucas778.552.7898
Steve Lucas is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Jasdeep Malhi
Jasdeep Malhi604.835.4494
Jasdeep is a licensed Mortgage Advisor with Your Mortgage Source. Jasdeep obtained her law degree from Thompson Rivers University Faculty of Law. Through her experience she has developed connections with other professionals including lawyers, financial advisors, lenders, real estate agents and builders. Jasdeep is happy to help you in English or Punjabi. She provides exceptional service for your mortgage needs and can be reached by phone, text or email.
Kelly Mann
Kelly Mann778.245.1660
Kelly Mann has been in the banking and mortgage industry for the past 23 years and is a licensed broker. She has been working and living in Abbotsford her entire life and has always had a passion for her community – personally and professionally – always proactive and getting involved. She has spent her career working with her clients to help build their financial wealth and specializes in the professional space. Kelly is a leader in her field and reliably known as a person to call. Her personable, genuine character and commitment to attending to her clients with integrity and honesty has earned her deep long-lasting relationships among peers, colleagues, and clients.
Krishna Mulder
Krishna Mulder604.825.4458
Krishna Mulder is an entrepreneur, philanthropist and dedicated mortgage professional. Although he has always called Canada home, growing up abroad in such countries as India, Mauritius, South Africa, and several others, has given him a unique understanding of the challenges faced by Canada’s new immigrants. Krishna is a regular volunteer with local charities and prides himself on having been a key member of the Food For Life Global (www.ffl.org) disaster response team. His years of experience as an entrepreneur and leader in the operational side of the banking industry has given him a creative approach to financing.
Rosy Multani
Rosy Multani604.897.2129
Rosy Multani is a licensed Mortgage Advisor with Your Mortgage Source. She specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Jeet Nahal
Jeet Nahal778.241.9575
Whether you’re purchasing a home for the first time, talking out equity from your home for investment or pleasure or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice. Jeet can show you how different rates, products and terms can affect the lifetime cost of your home and at no cost to you. With access to over 25 lenders we can find a mortgage solution to fit your needs, not the lenders. I look forward to hearing from you.
Matt Peters
Matt Peters778.347.0440
Matt grew up in Abbotsford, and loves working with the same community he is a part of as a Mortgage Broker. After graduating from UFV with a BBA degree, he started his own pressure washing company to learn firsthand about growing a business. After successfully running it for 9 years, he sold the company to tackle new challenges.

Having gone through the buying and selling process with real estate himself, Matt’s goal is to give consumers total confidence in the mortgage process from start to finish.

Good communication and getting the right information at the right time is the difference between a happy mortgage experience and losing sleep over it. Call Matt today to go over any and all of your mortgage needs and questions!

Kumar Rathod
Kumar Rathod778.241.9153
Kumar was born and raised in India. After completing his basic schooling he obtained his Bachelor of Science degree. Since that time he has been self-employed. He owned and managed a copper factory for approximately 25 years before immigrating to Canada in 2005. He continued his education here by obtaining a Post Degree Diploma in Business Studies from Vancouver Island University. He then settled in Abbotsford where he became a licensed realtor and subsequently obtained his Mortgage Broker license a few years ago. Kumar prides himself on being honest, transparent and reliable. He can be reached at any time and looks forward to helping you whether you are purchasing a new home or refinancing an existing property.
Kamalpreet Singh
Kamalpreet Singh778.233.9915
Kamalpreet Singh is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Jatinder Singh
Jatinder Singh778.237.3242
Jatinder Singh is a licensed Mortgage Advisor with Your Mortgage Source. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Manny Sharma
Manny Sharma604.807.2297
Manny has been resident of Abbotsford for last twenty four years. After graduating from Abbotsford Senior Secondary in 1996 he attended UFV and obtained his Certificate in Accounting. He obtained his Sub-Mortgage Broker registration from UBC/Sauder School of Business in 2009 and has been offering his services as a Mortgage Broker since that time. Manny also volunteers for community work projects. Manny specializes in residential, construction and agriculture mortgages. He looks forward to working with you on your next purchase or refinance and will do his best to ensure your needs and expectations are met.
Pardeep Sharma
Pardeep Sharma604.217.5555
Pardeep is a graduate of the Sauder School of Business at UBC where he successfully completed the mortgage broker program. After obtaining his Bachelor of commerce degree from New Delhi, he has been living in Abbotsford area and working in the Accounting & Management field for the last 15 years.

Getting a mortgage can be time-consuming and stressful. Many people do not realize that mortgage products can be quite complex and that there are many different types of decisions to make. As a mortgage professional, Pardeep’s job is to research the market for you and arrange the mortgage financing that meets your needs so you save time, energy and money.

His ultimate goal is to provide you with such a positive mortgage experience that you are willing to refer him to your family, friends and colleagues. It is definitely worth a call to schedule a no-obligation review of your situation. Please call him anytime at 604-217-5555.

Sean Siaus
Sean Siaus778.808.2241
Sean Siaus was born and raised in the Lower Mainland, calling Abbotsford home for the last 30 years. He and his wife are successful small business owners with 7 locations throughout the Fraser Valley. After successfully completing the Sauder School of Business Mortgage broker course, Sean is thrilled to find a home at YMS to tap in to the insigh