355+
Five-Star Google Reviews
Verified by Google Business
Why Choose Ingram Mortgage Team
From Your First Home to Your Forever Home
Buying your first home in Surrey, Langley, or the Fraser Valley is one of the biggest decisions of your life. The Ingram Mortgage Team has helped hundreds of BC families navigate the process every year — with personalized strategies, access to over 50 lenders, and a commitment to your long-term financial success.
A mortgage should never be "one size fits all." Every member of our Mortgage Family receives a customized strategy designed for their needs, budget, and lifestyle.
Exclusive Active PreApproval
A firm mortgage commitment before you start house hunting — giving you confidence and negotiating power.
Realtor Connections
Don't have a realtor yet? We'll connect you with trusted local partners in Surrey, Langley, and the Fraser Valley.
Ongoing Support After Closing
Our relationship doesn't end at signing. We actively manage your mortgage for as long as you're our client.
Your Clear Path to Homeownership
Your First-Time Buyer Journey
We have broken down the entire process into four clear, manageable steps.
You will never feel lost or overwhelmed when you work with us.
Active Pre-Approval
Before you look at a single home, we establish exactly how much you can borrow and what your payments will look like. Our exclusive Active PreApproval™ is the most powerful first step you can take.
Understand the Full Picture
We walk you through down payment options, closing costs, government incentives, and monthly payment scenarios — so you can make confident, informed decisions.
Find Your Dream Home
With your pre-approval in hand, the fun begins. We connect you with trusted realtors across Surrey, Langley, and the Fraser Valley who will help you find the right home at the right price.
Close with Confidence
When you find the one, we handle all the mortgage details with the lender, your realtor, and your lawyer — ensuring a smooth, stress-free closing day. Welcome home!
★★★★★
I was a first-time home buyer and really didn't know what to expect. I wasn't sure what my price range was or if I could even afford to get into the market. However, Jeff and the Ingram Mortgage Team showed me that becoming a homeowner was possible and I was approved in no time. I thought the whole process was going to be nerve-racking and uneasy, but Jeff illustrated such optimism and care towards my family and I that it made it impossible to be uneasy. Thank you Ingram Mortgage Team for being a key component to an important stage in my life.
Jordan Kremyr
First-Time Home Buyer · Surrey, BC · Google Review
Got Questions?
First-Time Buyer FAQs
Everything you need to know about buying your first home in Surrey, Langley, and the Fraser Valley.
How much down payment do I need as a first-time buyer in BC?
In Canada, the minimum down payment is 5% for homes priced up to $500,000, and 10% on the portion between $500,000 and $999,999. For homes $1 million or more, a 20% down payment is required. As a first-time buyer, you may be able to use funds from your FHSA or RRSP Home Buyers' Plan to help cover your down payment — potentially saving you tens of thousands of dollars.
What is the First Home Savings Account (FHSA) and how does it work?
The First Home Savings Account (FHSA) is a registered savings account that allows first-time home buyers to save up to $8,000 per year (up to $40,000 lifetime) completely tax-free. Contributions are tax-deductible, and qualifying withdrawals to purchase a first home are also tax-free. It combines the best features of an RRSP and a TFSA, making it one of the most powerful savings tools available to first-time buyers in Canada.
What is the BC Property Transfer Tax exemption for first-time buyers?
BC's First-Time Home Buyers' Program offers a full or partial exemption from Property Transfer Tax (PTT). As of April 2024, first-time buyers purchasing a home valued at $835,000 or less may qualify for a full exemption, saving up to $15,000 at closing. A partial exemption applies for homes valued between $835,000 and $860,000. You must be a Canadian citizen or permanent resident and have lived in BC for at least 12 consecutive months before the purchase.
What is an Active PreApproval™ and why does it matter?
The Ingram Mortgage Team's exclusive Active PreApproval™ is a comprehensive mortgage commitment process completed before you start house hunting. Unlike a standard pre-qualification (which is just an estimate), our Active PreApproval gives you a firm budget, strengthens your offer in a competitive market, speeds up the closing process, and gives you complete clarity on your monthly payments. It gets rave reviews from every client who uses it.
How much does it cost to use a mortgage broker as a first-time buyer?
In most cases, using a mortgage broker costs you absolutely nothing. The Ingram Mortgage Team is compensated by the lender, not the borrower. You get access to 50+ lenders, expert personalized advice, government incentive guidance, and ongoing mortgage management — all at no cost to you. This is one of the most significant advantages of working with a broker over going directly to your bank.
How long does the mortgage pre-approval process take?
A standard mortgage pre-approval can often be completed within 24 to 48 hours once we have all your documents. Our Active PreApproval™ process is more thorough and may take a few additional days, but the result is a much stronger commitment letter that gives you a real competitive advantage when making an offer on a home in Surrey, Langley, or the Fraser Valley.
We got it.
Thank you for contacting us.
We’ll get back to you as soon as possible.
Get the Free BC First-Time Home Buyer's Guide
Everything you need to go from "thinking about it" to keys in hand — timelines, down payment breakdowns, closing costs, and mortgage strategies explained in plain language. Built specifically for BC buyers.
Ready to Buy Your
First Home?
Book a free, no-obligation consultation with Jeff or Mark today. We will review your financial situation, explain all your options, and build a personalized mortgage strategy to get you into your first home in Surrey, Langley, or the Fraser Valley.
