Your Dream Home,
WHY CHOOSE US?
We find your dream home
we grow your investments!
Choosing the right mortgage specialist can make all the difference in your home financing journey. At Ravi Cheema Mortgage, we combine expertise, access to top lenders, and personalized service to help you achieve your goals with confidence.
Local Expertise You Can Trust
Based in Surrey and serving the Lower Mainland, BC, we understand the local real estate market and mortgage trends, ensuring advice that’s relevant and reliable.
Wide Network of Lenders
We work with banks, credit unions, and private lenders to give you access to the best mortgage rates, flexible terms, and financing options that suit your unique needs.
Tailored Mortgage Solutions
No two clients are the same. Whether you’re a first-time homebuyer, refinancing, investing, or seeking a commercial or private mortgage, we create solutions that fit your lifestyle and budget.
Tailored Mortgage Solutions
No two clients are the same. Whether you’re a first-time homebuyer, refinancing, investing, or seeking a commercial or private mortgage, we create solutions that fit your lifestyle and budget.
what we offer
Our Services
At Ravi Cheema Mortgage, we offer a full range of mortgage solutions designed to meet the diverse needs of homeowners, buyers, and investors across Surrey and the Lower Mainland, BC.
1. First-Time Homebuyer Mortgages
We guide you through every step of buying your first home, from understanding mortgage options to securing the best rates—making the process simple and stress-free.
2. Mortgage Refinancing
Lower your interest rate, consolidate debt, or access home equity for renovations, investments, or other financial needs with our tailored refinancing solutions.
3. Renewal Assistance
When it’s time to renew, we’ll shop the market to ensure you get the most competitive rate and terms available—without the hassle.
4. Private Mortgages
We provide access to private lenders for clients who may not qualify for traditional financing, offering flexible approval requirements and quick funding.
5. Commercial Mortgages
From retail spaces to industrial properties, we help businesses secure financing that supports their growth and investment goals.
6. Investment Property Financing
Whether it’s your first rental property or part of a growing portfolio, we’ll help you find a mortgage that maximizes your return on investment.
7. Debt Consolidation Mortgages
Combine multiple high-interest debts into one manageable payment with a mortgage solution designed to reduce your monthly financial burden.
📞 Contact Ravi Cheema today at 604-715-3847 to discuss which mortgage service is right for you.
Private Mortgage
Flexible financing solutions for clients who may not qualify with traditional banks. Whether it’s due to credit challenges, unique properties, or urgent timelines, Ravi Cheema Mortgage connects you with trusted private lenders across Surrey and the Lower Mainland for quick, customized approvals.
Equity Take Out Mortgage
Unlock the value in your home to access cash for renovations, investments, education, or debt consolidation. Ravi Cheema Mortgage helps homeowners in Surrey and the Lower Mainland tap into their equity with competitive rates and a smooth, stress-free process.
Construction Mortgage
Build your dream home or investment property with confidence. Ravi Cheema Mortgage provides tailored construction financing solutions in Surrey and across the Lower Mainland, BC, offering competitive rates, flexible draw schedules, and expert guidance from start to finish.
Commercial Mortgage
Finance your business property with expert guidance and competitive rates. Ravi Cheema Mortgage helps clients in Surrey and the Lower Mainland, BC secure funding for retail, office, industrial, and multi-unit properties, with tailored solutions to support your growth and investment goals.
First Time Home Buyers
Step into homeownership with confidence. Ravi Cheema Mortgage guides first-time buyers in Surrey and the Lower Mainland, BC through every step, securing competitive rates, explaining options clearly, and making the mortgage process simple and stress-free.
Mortgage Refinance
Lower your interest rate, reduce monthly payments, or access your home equity with ease. Ravi Cheema Mortgage provides expert refinancing solutions in Surrey and the Lower Mainland, BC, helping you save money and achieve your financial goals.
About Us
Your Mortgage.
Your Future.
Our Expertise.
At Ravi Cheema Mortgage, we make the mortgage process simple, stress-free, and tailored to you. Serving Surrey and the Lower Mainland, BC, Ravi Cheema—Mortgage Specialist with Centum Financial Services LP – SkyReach Capital Group—connects you with the best rates and solutions for your needs.
Whether you’re buying your first home, refinancing, or seeking private or commercial financing, we deliver honest advice, competitive options, and personal guidance every step of the way.
📞 Call Ravi today: 604-715-3847
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Testimonials
What our Clients say
About us
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I had a great experience working with Ravi Cheema at SkyReach Mortgage. Ravi and his team were professional, knowledgeable, and made the entire mortgage process smooth and stress-free. They explained every step clearly, answered all my questions promptly, and helped me secure a competitive rate. I appreciated their transparency and dedication to finding the best solution for my needs. I would highly recommend Ravi Cheema and SkyReach Mortgage to anyone looking for reliable and efficient mortgage services.
I had a great experience working with Ravi Cheema at SkyReach Mortgage. Ravi and his team were professional, knowledgeable, and made the entire mortgage process smooth and stress-free. They explained every step clearly, answered all my questions promptly, and helped me secure a competitive rate. I appreciated their transparency and dedication to finding the best solution for my needs. I would highly recommend Ravi Cheema and SkyReach Mortgage to anyone looking for reliable and efficient mortgage services.
Ritesh Chaudhary
Surrey (BC)
Process
OUR 6-STEP
MORTGAGE PROCESS
Select A Project
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Project Analysis
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Deliver Result
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Proces
FAQS
You have to know before
start everything
A mortgage specialist helps you find and secure the right mortgage by comparing rates, terms, and products from different lenders. At Ravi Cheema Mortgage, we guide you through the process, handle the paperwork, and make sure you get the best deal for your needs.
No. While good credit can help you get better rates, there are mortgage options for clients with lower credit scores, including private mortgage solutions.
This depends on your income, debts, credit score, and down payment amount. We recommend starting with a mortgage pre-approval to know your budget before house hunting.
Yes! When your mortgage term ends, we can shop the market to find you a better rate and terms than your current lender may offer.
It varies depending on the lender and the complexity of your application. In many cases, approvals can be obtained within a few days.
Yes, we offer financing solutions for both investment properties and commercial real estate across Surrey and the Lower Mainland.
CONTACT US
Get a free consultation right now!
Let’s Talk About Your Mortgage Goals
Whether you’re buying your first home, refinancing, or exploring investment opportunities, Ravi Cheema Mortgage is here to guide you every step of the way. Serving Surrey and the Lower Mainland, BC, we make the mortgage process simple, clear, and stress-free.
604-715-3847
