Alex Kotai
Alex Kotai604.556.3893

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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 Nelson Botelho’s cell number for deals for Alex Kotai. You may call the Office number at 604-556-3893 or Alex Kotai’s cell at 604-557-3461.

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 Aman Brar’s cell number for deals for Alex Kotai. You may call the Office number at 604-556-3893 or Alex Kotai’s cell at 604-557-3461.

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.

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.
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.
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.
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.
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.
Navneet Kaur
Navneet Kaur778.862.0450
Navneet is a BSc. Hons. graduate and has an MBA degree in marketing from a premier institute. She has been in the banking industry for more than 10 years and has worked with big banks in India. Since coming to Canada, she has worked with Vancity for over 5 years. She likes working with numbers therefore has been in the Financial sector. In her free time she loves to do gardening and take care of her plants. She also has a Masters degree in Reiki healing and is an Access Consciousness Bars Practitioner too. She is very enthusiastic about her work and always very keen on learning. Contact her for all of your mortgage needs.
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.
Deepinder Kharoud
Deepinder Kharoud604.557.6036
Deepinder Kharoud 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.
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.
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.
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 insight and knowledge they can offer.

Leveraging his experience as a successful business owner, he has translated that by offering outstanding customer service, high-tech convenience, and the knowledge to offer his clients a GUIDED – STRESS FREE mortgage process. He believes strongly that it is his duty to provide his clients a process that will arm them with market information and insight that allows them to make the best decision possible in their situation. Sean is looking forward to finding the right mortgage FOR YOU!

Raman Sidhu
Raman Sidhu604.615.9862
Raman is here to help you with your financing needs. She has 15 years of finance experience. Throughout her finance career she has built a large network which includes appraisers, lawyers, notaries, accountants and other professionals. She will utilize her experience and network to help you with the finance requests you have. Raman has helped individuals with establishing credit, buying their first home, refinancing, rebuilding credit and many other life changes an individual may go through. She is available via phone, text or email.
Rocky Tiwana
Rocky Tiwana250.572.0174
Rocky is a licenced Mortgage Advisor with Your Mortgage Source. Raised in Surrey, he attended the University of British Columbia where he graduated with a Bachelor of Arts degree. Following his undergraduate degree, Rocky obtained his law degree at Thompson Rivers University in Kamloops. Over the course of his professional career, Rocky has developed connections with lawyers, real estate agents, financial advisors, and lenders.

As a homeowner himself, Rocky understands the stress and questions that come along with trying to secure a mortgage. While striving to obtain the best interest rate possible for his clients, Rocky understands that there are often other considerations to take into account when deciding which mortgage product is most suitable for an individual. Rocky can be reached by either phone, email, or text message. He is happy to assist you in either English or Punjabi.

Tony Welch
Tony Welch604.835.6222
Tony is a licensed Mortgage Broker that is here to help his clients by providing them world class service. Having been licensed as a Real Estate agent for several years as well, he has great understanding of the complex nature of your transaction and is prepared to handle your needs in a professional and prompt manner.

Tony has been an active member of his community both as a small business owner and a first responder. He volunteers regularly to help with charitable events for many different causes. As a family man with four children, he understands how needs can change as your family does. So whether it’s for your first home or a refinance, he is prepared with the best possible options for you and your family.