Charlottetown mortgage broker
Buying your first home should feel exciting.
I’m Soubhi, a mortgage broker in Charlottetown. I help first-time buyers get approved. I’ll look at your situation, find a lender that fits, and walk you through every step until you have your keys.
My services are free of charge. The only time there’s a fee is with alternative or private lending, and I’ll always talk that through with you first.
From question to keys
A pre-approval you can shop with
I don’t want surprises, and neither do you. Here’s how it works, from your first question to your keys.
Your questions
Ask me anything.
I’ll explain how it works and what the next step would be, at your pace.
Your application
Start your application.
When you’re ready, the application is where it starts, and I’ll guide you from there.
Your documents
I’ll gather what’s needed.
I’ll tell you exactly what I need and help you pull it together.
Your approval
I send it in for approval.
I review your application, find the lender that fits, and send it in.
Keys in hand
On closing day, the keys are yours.
Once you’re approved, everything goes to your lawyer’s office, and on closing day you get your keys.
I had a great experience working with Sobhi my mortgage broker. He was knowledgeable, responsive, and took the time to explain every step of the process clearly. He worked hard to find the best options for my situation and made what could have been a stressful process feel smooth and manageable. I really appreciated hi honesty, patience, and attention to detail. I would absolutely recommend him to anyone looking for reliable and professional mortgage advice
Soubhi made my first home-buying experience much easier! He was always quick to respond, knowledgeable, and took the time to make sure I knew about all the local rebates and programs available to me. He genuinely had my best interest at heart and worked hard to get me the best rate possible in some questionable times for the market. An absolute pleasure to work with—Highly recommend!
Working with Soubhi is an absolute pleasure. He is incredibly knowledgeable and walks you through every step of the mortgage process. He is professional and quick to respond. I would highly recommend Soubhi to anyone looking for expert advice and exceptional service in securing a mortgage.
Soubhi Abla is someone I was lucky enough to do business with who made my journey of buying my first house an effortless purchase. Abla took his time to send me all the documents I needed to purchase my house and communicated all the details I needed to know. I would recommend Soubhi to anyone that is interested in buying a property as he made my experience feel like an opportunity to grow as a person.
Choosing Soubi was an excellent choice. Easy to work with, professional, and just an overall pleasant person. Would highly recommend if you need assistance in purchasing your new home or property. I look forward to working with him in the future. Matthew
He is incredibly knowledgeable and walks you through every step of the mortgage process. He is professional and quick to respond.
Questions, answered
Things people ask before they call
Does it cost me anything?
My services are free of charge. The only time there’s a fee is with alternative or private lending, and I’ll always talk that through with you first.
Do I need 20% down?
Not necessarily. If it’s a home you’ll live in, you can often buy with less than 20% down. When you do, your mortgage needs default insurance, which protects the lender. Its cost is usually added to your mortgage, and I’ll explain what that means for you.
What if my credit isn’t great?
Credit is only one part of the picture, and lenders don’t all see it the same way. If you tell me where you’re at, I’ll let you know what your options are.
What if I don’t qualify for enough?
Let’s find out what you qualify for. If it isn’t enough yet, I’ll help you understand what could change that, like paying down a debt or saving a little more, so you have a plan.
Why not just go to my bank?
Your bank can only show you its own products, not what else is available to you. There may be better options out there, and I’ll help you find the one that fits.
Buying on the Island has its own rules. These pages answer the questions I hear most, in plain language.
Mortgage solutions
Where are you starting from?
Each one works a little differently.
Buying a home
First home or next home, I’ll help you get approved and walk you through every step.
Renewing
I’ll compare your renewal offer with what else is out there.
Refinancing
I’ll look for options that could lower your monthly payments.
New construction
Different lending options to help you build your home.
Investment properties
The right mortgage for your next investment property.
Who you’d be dealing with
Helping you start a new chapter.
I do this work because I love seeing families buy a home of their own, a stable place to call home. There’s nothing better than watching someone start a new chapter, where they’ll make memories and build a happy life. I work with buyers across PEI and Nova Scotia.
You should feel comfortable with every page you sign. I’ll explain it as many times as it takes.
Whenever you’re ready.
Start your application, or ask me a question first. Either way, you’ll be working with me from the very first message.
Or call or text me at 902-213-8844.