Alex Kotai
Alex Kotai604.556.3893

Need a Personal Loan? Email us today for more information or click here to Apply Now for an unsecured loan up to $50,000.

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Alex Kotai, President & Senior Mortgage Advisor

Alex Kotai has worked in the mortgage brokerage business for many 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

Monty Bhambra
Monty Bhambra778.908.7866
Monty Bhambra is a Licensed Mortgage Broker who specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal. Monty has a bachelor’s degree from UBC and has lived in the Abbotsford community for over 25 years. Monty has a passion for travel having travelled the world to over 18 countries. He has had the opportunity to see many places and meet many people from around the world. Monty has a business in the medical industry providing active rehab. Also having a background in construction and building, Monty has built a few homes in Abbotsford for him and his family. Monty will give you honest great advice for your mortgage needs. Monty takes a client-oriented approach with each client. Not all needs or situations are the same. Understanding that there can be some challenges Monty, will help you throughout the entire process. Monty is here to help you with your purchase, refinance, home equity takes out, reverse mortgage, second mortgage, or a private mortgage. Monty is Fluent in both English and Punjabi and is available via Phone, Text, or email.
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.
Nelson Botelho
Nelson Botelho778.779.0201
Please DO NOT CALL/EMAIL Nelson Botelho’s cell number/personal email for deals for Alex Kotai. You may call the office number at 604-556-3893 or email admin@ymscanada.ca.

Nelson Botelho 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.

Aman Brar
Aman Brar778.344.0113
Please DO NOT CALL/EMAIL Aman Brar’s cell number/personal email for deals for Alex Kotai. You may call the office number at 604-556-3893 or email underwriting@ymscanada.ca.

Aman Brar is a licensed mortgage broker. She has successfully completed her broker licensing education with The Sauder School of Business at UBC. Aman has vast experience in the banking and financial industries. She worked in management and financial advisor positions at a major Canadian Bank for over 20 years. During her time there she not only helped her clients find the right mortgages for their needs, but she also helped them build their financial plans. Aman has a banking and finance certificate and she is certified in retirement and estate planning. Aman’s true passion in finance lies in the mortgage world. Aman is very client oriented and her ultimate goal is to provide you with a positive mortgage experience.

Aman S Brar
Aman S Brar604-832.9125
Aman S Brar 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.
Mani Brar
Mani Brar604.217.7245
Mani 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.
Sunita Brar
Sunita Brar778.549.4614
Sunita has spent 20 years in the banking industry, specializing in lending and underwriting. Her attention to detail and efficiency ensures that all files are completed with great accuracy. She has lived in Abbotsford since 2003, and her commitment to relationship building and treating clients as family has helped her establish great partnerships both in and outside of the work field. Sunita is passionate about helping first time homebuyers and those looking to upgrade from their current space.
Bobbie Chawla
Bobbie Chawla778.241.4191
Bobbie 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.
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.
Harmesh Davesher
Harmesh Davesher604.897.4521
Harmesh Davesher 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.
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. He specializes in residential, commercial and agricultural lending and will be happy to look at your purchase or refinance proposal.
Maninder Dhaliwal
Maninder Dhaliwal778.636.5242
Maninder Dhaliwal 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.
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.
Ravi Dhillon
Ravi Dhillon604.300.5081
Ravi Dhillon 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.
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.
Jas Gill-Kahlon
Jas Gill-Kahlon604.835.4494
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.
Harpinder (Garry) Grewal
Harpinder (Garry) Grewal604.300.0250
Harpinder (Garry) Grewal 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.
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.

Sonja Jansen
Sonja Jansen604.798.5395
Sonja successfully completed BC’s broker licensing program through UBC and is a Mortgage Advisor with YMS. Sonja has always had an interest in Real Estate. As a Mortgage Advisor, this interest only grows as she is able to include her passion for helping others realize their financial goals and dreams. Sonja enjoys connecting with clients and working closely with them to uncover possible scenarios which will balance their needs and wants. With her extensive knowledge, attention to detail and access to dozens of mortgage products, Sonja will alleviate the stress of finding you the right mortgage and save you time and money in the process. From the pre-approval stage to completion, to questions concerning refinance, or developing creative solutions for your housing goals, she is determined to provide you with exceptional service and advice based on transparency and honesty.
Amar Kainth
Amar Kainth604.807.7375
Amar Kainth 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.
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.
Deepinder Kharoud
Deepinder Kharoud604.557.6036
Deepinder Kharoud 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.
Dinesh Kumar
Dinesh Kumar604.353.5200