Buy your home in Richmond with confidence.
Whether you're a first-time buyer, upgrading, or investing. I will find you the right mortgage for your situation.
Quick Pre-Qualification
60 seconds to complete
No credit check · Takes 3 minutes
What kind of buyer are you?
Find the path that fits your situation.
First-Time Buyer
Take advantage of the First-Time Home Buyer Incentive, RRSP Home Buyers' Plan, and land transfer tax rebates. I'll walk you through every program you qualify for.
- ✓As low as 5% down payment
- ✓RRSP withdrawal up to $60,000
- ✓First Home Savings Account eligible
Upgrading for Schools
Moving up to a bigger home in Richmond? I can help you structure your mortgage to afford the neighbourhood you want.
- ✓Bridge financing available
- ✓Port your existing mortgage
- ✓School zone expertise
Investment Property
Building your portfolio? Investment properties have different qualification rules. I work with lenders who finance rental and income properties.
- ✓20% minimum down payment
- ✓Rental income qualification
- ✓Multi-unit financing
Understanding down payments in Canada
How much you'll need depends on the price of the home.
Under $500,000
Minimum 5% down. CMHC insurance required. Example: $25,000 down on a $500K home.
$500K – $1M portion
5% on the first $500K + 10% on the remainder. Example: $75,000 down on a $750K home.
Over $1,000,000
Minimum 20% down. No CMHC insurance needed. Example: $200,000 down on a $1M home.
Frequently Asked Questions
Answers to common mortgage questions.
Why you qualify for less than you expect
Federally regulated lenders must approve you at a qualifying rate, not the rate you actually pay. Under the B-20 guideline that is the greater of your contract rate + 2% or the 5.25% benchmark floor.
Because the test uses a higher rate than your actual payment, the amount you qualify for is lower than your real budget suggests. How much lower depends entirely on your income, existing debts, down payment and amortization — so the only useful answer is one calculated from your own numbers.
Limited Canadian credit history? I help newcomers qualify anyway
A thin credit file is not a dead end. I work with lenders who assess newcomers on foreign credit, employment letters and down payment strength rather than a Canadian score alone.
Self-employed and hard to document?
Business owners and contractors often write down income for tax reasons, which the stress test then holds against them. I know which lenders look at the whole picture.
Ready to start your home buying journey?
Get pre-qualified in minutes, or reach out on WeChat for a quick chat in Mandarin. No pressure, no obligation.