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.
无论您是首次购房、为学区升级还是投资置业，我将为您找到最适合的贷款方案。
Quick Pre-Qualification
快速预审 — 60秒即可完成
Free · No credit check · Takes 3 minutes
What kind of buyer are you?
您属于哪种购房者？
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'll find lenders who offer the best rates for rental and income properties.
- ✓20% minimum down payment
- ✓Rental income qualification
- ✓Multi-unit financing
Understanding down payments in Canada
了解加拿大首付要求
Under $500,000
50万以下房产
Minimum 5% down. CMHC insurance required. Example: $25,000 down on a $500K home.
$500K – $1M portion
50万至100万部分
5% on the first $500K + 10% on the remainder. Example: $75,000 down on a $750K home.
Over $1,000,000
100万以上房产
Minimum 20% down. No CMHC insurance needed. Example: $200,000 down on a $1M home.
Frequently Asked Questions
常见问题
Ready to start your home buying journey?
准备好开始您的购房旅程了吗？
Get pre-qualified in minutes, or reach out on WeChat for a quick chat in Mandarin. No pressure, no obligation.