Buy your home in Richmond with confidence.
Whether you're a first-time buyer, upgrading for a better school zone, or investing—I'll 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 into a top Richmond school zone? I know the catchment areas, the pricing, and how to structure your mortgage so you can 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.
Buying for your family? Richmond school zones matter.
Many Chinese-Canadian families choose Richmond for the schools. I can help you understand catchment areas, Fraser Institute rankings, and what you can afford in each zone.
许多华裔家庭为了学区选择列治文。我可以帮助您了解学区划分、菲沙排名及各学区房价预算。
View School Zone GuideRichmond Top School Zones
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.