LiveRate.ca

Your Bank Shows You One Option. We Show You the Rest of the Menu.

Ever feel like your bank’s “advice” is really just a take-it-or-leave-it offer? A bank has one brand to sell: its own. That’s it.

At LiveRate.ca, we work for you, not for any single lender. We line up options from major banks, credit unions and trust companies so you’re not stuck with the first number that lands in your inbox.

The rate is just the headline. The real story is in the fine print: terms, prepayment room, portability, and what happens if life changes and you need out early. We walk through all of that together, so you end up with a mortgage strategy that fits your plans and your stress level – not just your bank’s system.

Stop Guessing. Let the Numbers Talk First.

Be honest – have you been doing “mortgage math” in your head and hoping it works out? That’s how people get surprised later.

That’s why LiveRate.ca offers a free, no-obligation “Purchase Comparison Report” for any property you’re actually thinking about buying.

I lay out up to 4 mortgage scenarios side by side so you can see, in black and white:

  • How 10% vs. 20% down payment really changes your monthly payment
  • What a 25-year vs. 30-year amortization does to your cash flow
  • How much total interest you’re likely to pay over time in each option

So you can stop guessing, stop “feeling it out,” and start choosing with a clear head.

🔑 Ready to Move? Start My Application »

📲 Your Mobile Mortgage Calculator.

Scan or Tap this code to instantly install the free "My Mortgage Toolbox" app. Get powerful calculators set up for your area, making house hunting and budgeting easier.

  • 🏡 Calculate your total cost of owning a home.
  • 💼 Calculate the required income for a mortgage.
  • 💰 Estimate the minimum down payment you need.
  • 📉 Calculate the maximum mortgage you can afford.
  • 📍 Estimate Location specific Closing costs.
Click to download My Mortgage Tool App

 

Client Testimonials

Trusted Advice. Proven Results.

“The Purchase Comparison Report Man Fung provided was a game-changer. It highlighted a difference in lender fees and fine print that we completely missed, resulting in thousands of dollars saved over the term. This wasn't just about a low rate; it was about the best strategy.”

— Steven M., Toronto

“We had a complicated self-employment income structure that three other brokers struggled with. Man Fung immediately understood the challenge and secured a complex mortgage approval in under a week. The communication was excellent—professional, direct, and efficient.”

— Dr. Liu, Richmond Hill

“As new immigrants to Markham, the Canadian mortgage process was daunting. Having Man Fung patiently walk us through all the contract details and complicated terms in Cantonese made all the difference. We felt totally supported and confident in our purchase.”

— K. Cheung, Markham

銀行只給您一個方案，我們為您打開整個選擇清單。

一般銀行只會銷售自家按揭產品，客戶表面上「有選擇」，實際上往往只有一條路。

LiveRate.ca 則以閣下利益為先，並不隸屬或只代表任何單一銀行。
我們會為您比較多間銀行、信用合作社及信託公司提供的按揭方案，打破「只聽一間銀行講」的局限，協助您作出更清晰、更穩妥的決定。

我們不會只盯着利率這一個數字，還會一併檢視合約條款、提早還款彈性、按揭可攜性（portability）以及可能出現的罰款安排，並配合您未來數年的計劃，為您度身設計更貼近整體財務目標的按揭策略。

別再憑感覺亂估，以實在數據作出清晰決策。

置業時最大的風險，往往不是「買貴咗」，而是只靠心裏估算數字。

LiveRate.ca 為您心儀的目標物業，提供免費、無須附帶任何責任的「置業比較報告」，先用清晰數據幫您睇清形勢，再考慮落決定。

報告會並列展示多達四個按揭方案，清楚顯示：

  • 首期 10% 與 20% 對每月還款金額有何實際影響
  • 25 年與 30 年攤還期對現金流及供款壓力的分別
  • 各個方案預計長遠需支付的總利息

讓您不再「憑感覺試一試」，而是有根有據、有數可依地作出置業決定。

🔑 已經準備好？立即開始我的申請 »

📲 您的流動按揭計算機。

掃描或點擊此二維碼，即可安裝免費的 按揭工具 App: My Mortgage Toolbox。設定適用於您地區的強大計算器，讓您更輕鬆地進行尋找房屋和預算規劃。

  • 🏡 計算您的房屋擁有總成本。
  • 💼 計算您申請抵押貸款所需的收入。
  • 💰 估算您所需的最低首付。
  • 📉 計算您能夠負擔的最高抵押貸款額度。
  • 📍 估算特定地點的交易費用。
點擊以下載按揭工具 App

 

客戶評價

值得信賴的建議。卓越的成果。

“Man Fung 提供的購房比較報告徹底改變了我們的決策。它突顯了我們錯過的一項貸款人費用和細則差異，最終在貸款期內為我們節省了數千加元。這不只是關於低利率，而是關於最佳策略。”

— Steven M., Toronto

“我們有複雜的自僱收入結構，三位不同的經紀人都難以處理。但 Man Fung 馬上就理解了這個難題，並在一周內獲得了複雜的按揭批准。溝通非常出色——專業、直接且高效。”

— Dr. Liu, Richmond Hill

“作為初來乍到萬錦市的新移民，加拿大按揭流程令人生畏。Man Fung 耐心地以粵語向我們講解所有合同細節和複雜條款，這是至關重要的。我們對這次購房充滿信心。”

— K. Cheung, Markham

Serving Clients Across Ontario. Local Office in the GTA (Richmond Hill, Markham, Toronto)
服務全安省客戶。核心地區：大多倫多 (烈治文山、萬錦市、多倫多)

Contact & Office Details

📞 Phone / 電話: (647) 463-1867

📧 Email / 電郵: man.fung@calibermortgage.ca

📍 Office / 辦公室:

Unit 8 - 175 West Beaver Creek Road, Richmond Hill, ON L4B 3M1

Compliance & Licensing

Man Fung, Mortgage Agent Level 1
Caliber Mortgage Inc., FSRA#13368

Mortgage Tools

Current Rates

Current variable mortgage rate is

3.90%

Current prime rate is

4.45%

    • Terms
    • Bank Rates
    • Payment Per $100k
    • Our Rates
    • Payment Per $100k
    • Savings
    • 6 Months
    • 7.89%
    • $756.21
    • 5.99%
    • $639.21
    • $116.99
    • 1 Year
    • 6.15%
    • $648.75
    • 4.99%
    • $581.04
    • $67.71
    • 2 Years
    • 5.44%
    • $606.90
    • 4.44%
    • $550.14
    • $56.76
    • 3 Years
    • 4.62%
    • $560.16
    • 3.94%
    • $522.77
    • $37.39
    • 4 Years
    • 6.01%
    • $640.40
    • 4.19%
    • $536.37
    • $104.03
    • 5 Years
    • 4.56%
    • $556.81
    • 4.19%
    • $536.37
    • $20.44
    • 7 Years
    • 6.41%
    • $664.38
    • 5.10%
    • $587.31
    • $77.07
    • 10 Years
    • 6.81%
    • $688.72
    • 5.34%
    • $601.11
    • $87.61
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.

How much is your home worth?

Videos

Keep up to date with the latest mortgage news

Sign up to our newsletter