Alex Kotai<br />
President & Senior Mortgage Advisor
Alex Kotai
President & Senior Mortgage Advisor
604.557.3461

Broker Assistants to Alex Kotai/Underwriting Staff:

Rick Warren admin@ymscanada.ca 604.556.3893
Janice Gear office@ymscanada.ca 604.556.3893
Kiran Brar info@ymscanada.ca 604.556.3893


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Alex Kotai, President & Senior Mortgage Advisor

Alex Kotai has worked in the mortgage brokerage business for well over 10 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 Members

Amit Soin<br />
Mortgage Advisor
Amit Soin
Mortgage Advisor
778.902.0009
Amit Soin has been in the Financial Industry for over 5 years. He has graduated with a Bachelor of Commerce degree. Amit has a passion for helping homeowners find the right mortgage product suitable for their individual financial goals and needs. As a mortgage planner, he has helped many people like you. Based out of Abbotsford, Amit can speak multiple languages (English, Punjabi, and Hindi). He is able to provide unbiased and expert advice on your mortgage and find the best rate with the best term and options to suit your unique financial requirements whether you are buying a new house, renewing your mortgage, or refinancing. He can be reached at any time and looks forward to helping you for your mortgage needs.
Avneet Dhutti<br />
Mortgage Advisor
Avneet Dhutti
Mortgage Advisor
778.552.8846
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.
Bin Liu<br />
Mortgage Advisor
Bin Liu
Mortgage Advisor
604.791.3635
刘斌,国语服务,微信 bin76972 Bin is a hard-working immigrant and a diligent mortgage advisor who offers honest service in a timely manner. He graduated from the mortgage broker program at the UBC Sauder School of Business. Bin is always happy to help you in English or Mandarin.
Clay Delorme<br />
Mortgage Advisor
Clay Delorme
Mortgage Advisor
604.615.7355
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.
Dalj Brar<br />
Mortgage Advisor
Dalj Brar
Mortgage Advisor
778.882.5820
Dalj works for your referral! All mortgages are not the same which is why Dalj works relentlessly to tailor a custom mortgage product for you. He is known for his bright, friendly smile; his willingness to go above and beyond your expectations; and always being there to answer your questions before, during and well after your mortgage has been approved. His ultimate goal is to put your mind at ease when dealing with one of the biggest financial decisions in your life. Dalj is part of the YMS family of mortgage brokers which has over 10 years of experience helping people with mortgages in the Lower Mainland, Fraser Valley and across Canada. Dalj Brar serves the areas of Surrey, White Rock, Delta, Langley, Cloverdale, Abbotsford, Chilliwack, Coquitlam, Port Moody, Vancouver, Burnaby and Richmond.
Dinesh Kumar<br />
Mortgage Advisor
Dinesh Kumar
Mortgage Advisor
604.353.5200
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.
Harpreet Kaler<br />
Mortgage Advisor
Harpreet Kaler
Mortgage Advisor
778.551.0751
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.
Harry Bedi<br />
Mortgage Advisor
Harry Bedi
Mortgage Advisor
778.968.8764
Harry Bedi is a licensed Mortgage Broker with Your Mortgage Source. He is here to help his clients by providing mortgage services for Residential, Commercial and Agriculture properties. Harry brings knowledge, passion and hard work to the table to help his clients find the best mortgage rates and terms for purchasing or refinancing their properties.

Harry graduated from a local college with a Diploma in Business Administration and worked in this field until he obtained his Mortgage Broker registration. During this time he developed good working relationships with local Lawyers, Realtors, Builders and Financial Advisors, many of which continue to work with him in his mortgage brokering activities.

Harry has helped clients who are first time home buyers, clients with bruised credit and clients who are business owners/operators. He looks forward to helping you purchase your next home or refinance your current one. He can be reached via phone or email at anytime for mortgage related advice and services.

Jeet Nahal<br />
Mortgage Advisor
Jeet Nahal
Mortgage Advisor
778.241.9575
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 Jeet can find a mortgage solution to fit your needs, not the lenders’.
Kanwal Dhaliwal<br />
Mortgage Advisor
Kanwal Dhaliwal
Mortgage Advisor
778.893.7445
Kanwal Dhaliwal 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.
Krishna Mulder<br />
Mortgage Advisor
Krishna Mulder
Mortgage Advisor
604.825.4458
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.
Kulwinder Dheria<br />
Mortgage Advisor
Kulwinder Dheria
Mortgage Advisor
604.217.7676
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.
Kumar Rathod<br />
Mortgage Advisor
Kumar Rathod
Mortgage Advisor
778.241.9153
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.
Mandeep Brar<br />
Mortgage Advisor
Mandeep Brar
Mortgage Advisor
604.825.7681
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.
Manny Sharma<br />
Mortgage Advisor
Manny Sharma
Mortgage Advisor
604.807.2297
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.
Raman Sidhu<br />
Mortgage Advisor
Raman Sidhu
Mortgage Advisor
604.615.9862
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.
Rick Warren<br />
Mortgage Advisor
Rick Warren
Mortgage Advisor
604.807.3506 **see below

**Please DO NOT CALL Rick Warren’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.

Rick Warren has been helping clients achieve their financial goals for over 40 years, firstly as a banker, then as a finance and lease professional and most recently, since 2006, as a mortgage professional. Throughout his career Rick has strived to provide honest, reliable customer service and an excellent client experience at every opportunity. The skills and attributes that made him a successful banker and finance professional enables Rick to see through the challenges in today’s marketplace and find a way to help clients purchase or refinance a new home, second home, existing property or commercial investment. Rick’s client base extends from the Fraser Valley to Greater Vancouver, the Sunshine Coast, Vancouver Island, and the Interior.

Rinku Bhatia<br />
Mortgage Advisor
Rinku Bhatia
Mortgage Advisor
778.891.7595
Rinku Bhatia is a licensed Mortgage Broker with Your Mortgage Source. With his extensive experience in the construction industry he doesn’t sell mortgages to his clients but helps provide the best rates to them. He deals in residential, commercial, and industrial mortgages. He has helped customers with bad credit, no credit, first time home buyers and second mortgages.

Rinku is a graduate of the UBC Sauder School of Business. He is also an Architectural Designer, running a small firm. With his experience he provides exceptional service to his clients for their mortgages needs.

Rupy Sidhu<br />
Mortgage Advisor
Rupy Sidhu
Mortgage Advisor
604.318.7652
Rupy is a graduate of the Sauder School of Business at UBC where she successfully completed the mortgage broker program. She grew up in the small town of Kamloops, BC before moving to the Lower Mainland. In her previous line of work Rupy has worked as a licensed Pharmacy Technician, completed Dental Hygienist program, and has been an instructor at the Academy of Learning. Along with Rupy’s educational background, Rupy is fluent in both English and Punjabi. Throughout her career, Rupy’s passion has been to help people, and provide them with highest degree of service and trusted advice. Rupy’s goal as a Mortgage Broker is to continue to build upon her past successes, and help her clients to achieve their financial goals and their dream of owning their own home.
Scott Doerksen<br />
Mortgage Advisor
Scott Doerksen
Mortgage Advisor
604.850.4345
Scott Doerksen was born and raised in the Abbotsford area where he still resides with his lovely wife Colleen and their three children. He has owned and operated a large family farm, has build several homes and has an extensive list of trades that can be drawn upon for almost any situation. His combined knowledge of business and construction is an invaluable asset in assessing, calculating and presenting viable options to his clients.
Scott is a graduate from the mortgage broker program at the UBC Sauder School of Business. As an YMS advisor, Scott has access to a large number of lenders and enjoys the challenge of every financing situation and obtaining the lowest cost financing solution. Scott is 100% committed to supplying “Second to none Service” for ALL clients in Abbotsford, Chilliwack, the Fraser Valley and Canada. Whether you are looking to buy your first home, consolidate debt, purchase a commercial or agricultural property, or just refinance call Scott anytime for a FREE consultation.