Luxury House

We can help you 

                               buy your dream home..



Homeland Mortgage is an independent and private mortgage brokerage, with access to many major conventional and private lenders.

We make our process transparent and we are committed to getting terms and conditions that suit your specific needs. We offer competitive rates and are dedicated to getting you a fast turnaround time on your application. Contact us today to talk to a broker about your financial situation. You are assured personalized service each time you call or stop by.


It is our mission at Homeland Mortgage to provide you a quick, easy and an understandable way to getting a mortgage loan.

By shopping the mortgage market we will arrange the best suitable mortgage for you.

Homeland Mortgage believes that mortgage approvals should be available 24/7

and we are

dedicated to saving our client’s time and money by eliminating the need to shop from multiple lenders.

Our dedication to client service includes a prompt response to your applications, e-mails

and telephone calls. Homeland Mortgage is in the business of getting to ‘YES!

How can we help?’


We help you find what is best for you. Our expert advice is honest and unbiased. We are committed to provide friendly services.

We have “Private Funds” available for lending at very competitive rates.

Our mortgage broker’s vast experience can help you to get a suitable mortgage. We deal with all major banks, credit unions and other financial institutions.

Leasing a Home


Residential Purchase and Refinance

Buying a home for the first time or third, we take you through all the steps and find the best mortgage lender for you. We get a better rate or monthly payments when refinancing your mortgage.

Private Mortgage (Second & Third)

If you own your home, you can be approved for a private mortgage. Tap into your home equity with private mortgage.

Construction Financing

Start building your new home with a construction loan. We make it easy to finance your new home with competitive rates.

Commercial Mortgage

If your business is looking at buying real estate, we can help you get the loan you need.

Equity Take Out

You may have money you don't even know is there for you. We can help you access it.

Frequently asked questions

Why should I use a mortgage broker?

A mortgage broker can find you a lower mortgage interest rate than banks and other financial institutions. Because mortgage brokers network with a number of mortgage lenders, they can shop around and negotiateon on your behalf. Since mortgage brokers are paid by lenders, they can always offer their services for free. If you deal directly with a financial institution and your mortgage is not approved, you must begin the application process all over again. When working with a mortgage broker, your broker can simply forward your application to another lender.

How much does it cost to use a mortgage broker?

Because lenders pay mortgage brokers, there is no charge for mortgage broker services. The exception is if you have a very poor credit and your application requires submission to private or non-traditional lenders. In that case you may be charged a brokerage fee.

How much mortgage financing can I qualify for?

Lenders will use a lesser of the following calculations to determine how much you can afford per month for mortgage payment; property taxes, heating costs and strata fees (if applicable).

Do I need a down payment?

The minimum down payment is generally 5% of your purchase price + close-up costs.

What is pre-approval and do I need it?

A pre-approved mortgage tells you how much you can afford when buying a home and what your maximum monthly payments will be. The benefit of using a pre-approved mortgage is you secure an interest rate for 90-120 days and, should interest rates rise, you will be able to keep your pre-approved rate. Should rates fall, you can take a lower rate.

Can I qualify for mortgage if I have declared bankruptcy?

Some lenders offer financing to individuals who have declared bankruptcy. Contact a Homeland Mortgage Professional.

What is a high ratio mortgage?

If your down payment is less than 20% of your purchase price, your mortgage is considered a 'high ratio'. High ratio mortgages require mortgage loan insurance to protect the lender against the default.

What are the closing costs?

On competion of the deal you are to pay lawyer fee, property purchase tax etc. For more details plase contact a Homeland Mortgage professional.

Current Rates
Subject to change Without notice

Get Started with your

application today!

Buying a House


Kuldip Singh Panesar​
Chief Executive Officer


Direct Line:






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