DISCOVER 5 C’s of Buying with Clarity IN BC & ALBERTA WITHOUT THE ANXIETY OF what you can afford
We are the TOP mortgage bROKERs for couples and first time HOME BUYERS Who Want to Effortlessly Navigate the BC & ALBERTA Real Estate Market and CREATE Their Dream LIFE
Clear to Close Mortgage Group Inc is a mortgage team in BC & Alberta dedicated to helping couples and first-time homebuyers move forward with confidence.
We know that buying a home is one of the biggest decisions you will ever make, and it should start with clear answers, honest guidance, and a mortgage plan that fits your real life.
Our team’s background brings together years of experience in banking, mortgage planning, and working alongside homebuyers throughout the real estate journey.
We have seen what happens when people are pushed into products that do not truly fit their needs, or when they start house hunting without really knowing what they can afford. That often leads to stress, confusion, and deals that fall apart.
That is why we do things differently.
At Clear to Close Mortgage Group Inc, we believe clients deserve advice that puts their best interests first.
We take the time to understand your goals, explain your options in simple language, and help you build a plan that makes sense for your budget and future.
Whether you are just starting to think about buying or getting ready to make an offer, we are here to make the process feel easier, clearer, and less overwhelming.
We are especially passionate about helping couples in BC & Alberta who want to buy their first home. We understand that for many people, homeownership is about more than just a property.
It is about building a future, creating stability, and making smart choices together.
We help couples in BC & Alberta solve affordability confusion to get clarity on exactly what they can afford before they start house hunting.
CTC Mortgages Gives You The Tools and Resources You Need to Succeed With Homeownership in BC & Alberta!
Plus, get thousands in savings with our VIP Client Programs!
First Time Home Buyer
Program
VIP Home Seller
Program
Off Market Rental
Homes
Down Payment Assistance
Program
Custom List of
Exclusive Homes
HERO Buyer
Program
List of Exclusive
Condos
Custom List of
Open Houses
List of New Construction
Homes
List of USDA
Homes
List of Lakeview
Homes
List of Luxury
Condos
List of Foreclosed
Homes
List of Land Contract
Homes
Get Cash Offer
For Your Home
IT'S ALL ABOUT HAVING Clarity on exactly what they can afford
We don’t just do mortgages, we help you achieve your dream life.
It's all about giving you clarity all the way through the process of homeownership.
We are big supporters of building generational wealth for couple and families.
Every family we help become the building block of making this world a better place.
Experience some of our CLIENTS' Success
"We cannot recommend him highly enough"
"We recently worked with Parm, and we cannot recommend him highly enough. As first-time buyers, we felt overwhelmed by the mortgage process, but Parm guided us through every step with patience and expertise. He took the time to explain the fine print of our mortgage contract in clear, understandable terms, ensuring we grasped every detail before committing to anything."
- Leonardo Tagle
"A thorough professional and always available"
"Parm was knowledgeable, a thorough professional and always available. If only we knew about Parm earlier our previous mortgage processes would have been a breeze like it was this time. Parm and his team are definitely one of the best in the industry."
- Vijay Sabnani
"Would recommend him without hesitation"
"The entire process was quick, organized, and hassle-free. Parm was proactive and detail-oriented, making sure nothing was missed. I’m extremely happy with the outcome and would recommend him without hesitation."
- Kulbir Sidhu
"Very knowledgeable and always followed up"
"Parm was recommended to me by a friend and right from the beggining I felt confident with Parms work. He was very knowledgeable and always followed up with your case. Being a new home buyer I felt like there was a lot of questions I had and some might have felt a bit silly to ask. But Parm was very patient and always willing to answer them. I highly recommend Parm. He is great at what he does. Thanks Parm!"
- Liliana Abril
"We couldn't be happier with his work"
"We just completed on a property using Parm as our mortgage broker. We couldn't be happier with his work. He was perfect for us as first time homebuyers because he explained the process well and armed us with knowledge to make informed decisions. He was also incredibly professional, responsive and a pleasure to work with. Thanks Parm!"
- Luke Nicholls
"He went above and beyond on multiple occasions"
"Parm kept us extremely informed throughout the process of buying our home. He went above and beyond on multiple occasions to ensure we were set up for success. we appreciate Parm's proactive approach to getting us in our home! It’s always a pleasure working with Parm."
- Karan KP
Frequently Asked Questions
Do I need perfect credit to qualify for a mortgage?
Not at all. Many buyers assume they need perfect credit before speaking with a broker, but that is rarely the case. There may still be options available depending on your income, down payment, debt levels, and overall financial picture. A quick call can help you understand where you stand and what steps could improve your approval chances.
How much do I actually need for a down payment in BC & Alberta?
That depends on the purchase price and your situation, but you may need less than you think. Many first-time buyers wait because they assume they need a huge amount saved, when in reality they may already be closer than expected. We can show you what your minimum down payment could look like and what makes the most sense for your goals.
Will checking my options hurt my credit score?
In most cases, an initial conversation does not require a full credit application. We can often start with a simple review of your situation and explain your options before anything formal happens. That way, you can get clarity first and decide on your next step with confidence.
We are not ready to buy today. Should we still book a call?
Yes. In fact, that is often the best time to talk. Many couples and first-time buyers benefit from speaking with a broker early so they know what to fix, what to save, and what price range is realistic. A short call now can help you avoid delays and costly mistakes later.
What if we have debt, a car loan, or student loans?
That does not automatically mean you cannot buy. What matters is how your debt fits into your overall income and monthly obligations. We can help you understand whether your current debt is manageable for a mortgage and what changes, if any, could strengthen your position.
Why should I talk to a mortgage broker instead of going directly to my bank?
A bank can only offer its own products, while a mortgage broker can compare options from multiple lenders. That means you may have access to more flexibility, better rates, and solutions that fit your situation more closely. Our job is to help you understand your options and choose the one that works best for you.
What happens on the call, and is there any pressure?
The call is simply a chance to understand your goals, answer your questions, and give you a clear picture of your next steps. There is no obligation and no pressure to move forward before you are ready. You will leave knowing what is possible, what to improve, and how to move ahead when the timing is right.
our industry leading guarantee
I personally guarantee that we will work with you hands-on, every single day... until you find your dream home
The right fit?
As you can imagine, our service unlike any other experience out there and as such, we go to great efforts to maintain the quality & exclusivity of our services
THIS COULD BE RIGHT FOR YOU IF:
You're dreaming of owning a home in BC & Alberta or are on the path to becoming one
You can dedicate few hours each week to crafting your dream home journey
You're geared up to take bold, even if not flawless, steps towards your goal
You're financially prepared to invest in turning your home-owning dreams into reality
Your aim is to enhance your lifestyle, not just for yourself, but to contribute more to those around you
THIS MAY NOT BE RIGHT FOR YOU IF:
You are hesitant to find your footing in homeonwrship
You're hoping for instant, effortless success in the housing market
You're only interested in free insights but aren't ready to put in the effort
You're hesitant about the value of investing in your own real estate journey
Your goal is solely to increase your wealth without the desire to contribute to the community or others
If this resonates with you and you're eager to tap into all that we've achieved in becoming one of the leading experts in BC & Alberta mortgage industry (which includes direct, daily access to our personal insights and guidance), then you know your next step...
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