Looking for a Mandarin-speaking mortgage broker in Vancouver or Burnaby?

Why language matters in a mortgage

A mortgage file is full of terms that are hard enough in your first language: amortization, stress test, prepayment penalty, trigger rate. Explaining how you earn your income or where your down payment comes from in a second language is where details get lost — and in a mortgage, the details are what get a file approved.

Lenders work in English, and the final documents will be in English. My job is to make sure you understand each one before you sign. If you want to look terms up yourself, there is a free bilingual mortgage terms glossary on this site.

Who I often help

Self-employed people and business owners whose tax returns don't show the full picture of what they earn. Self-employed mortgages

Newcomers to Canada without a long Canadian credit history yet. New to Canada

Buyers whose down payment comes from savings overseas, which has to be documented in a way a Canadian lender accepts. Down payment from overseas

Professionals changing how they are paid — moving to dividends, making partner, opening a practice. Professionals

Files a bank has already declined, and commercial or investment property. When the bank says no · Commercial mortgages

How we work together

We can talk in Mandarin or English — by phone, by video, or in person in Greater Vancouver. My mortgage licence covers all of British Columbia, so clients elsewhere in BC are handled remotely.

If some of your documents are in Chinese — income or bank records from overseas, for example — the lender will usually need an English translation. I'll tell you which ones, and what kind of translation that lender accepts, before you spend money on it.

Prefer to read in Chinese?

The whole site is also in Simplified Chinese. Good places to start: the Chinese home page, self-employed, new to Canada, and the mortgage guides.

Common questions