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Independent Mortgage Strategy & Advisory

Your Bank Gives You One Option.
We Open Up the Entire Market.

Most bank advice comes with a built-in limitation: banks can only sell their own products. Their loyalty is to their institution—not your bottom line.

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Whole Market Access
Comparing major banks, credit unions, & trust companies.

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Fine Print Protection
Analyzing prepayment perks, portability, & penalty clauses.

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Unbiased Advisory
Working exclusively for you, ensuring you never settle.


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Schedule a Free 15-Minute Strategy Call

⚡ Direct calendar access • Free & no obligation

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

銀行只提供單一選擇
我們為您開拓整個按揭市場。

一般銀行的「建議」難免受限於其自身產品——因為銀行只能銷售自家的按揭方案，代表的是機構本身，而非您的最大利益。

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全面比較市場
涵蓋各大銀行、信用合作社及信託公司。

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深析條款細則
拆解提早還款彈性、按揭可攜性及罰款機制。

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客製專屬策略
以您的長遠財務規劃為優先，降低潛在風險。


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立即預約 15 分鐘免費按揭策略諮詢

⚡ 直接預約時間表 • 完全免費且無附加條件

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

 
 


Ontario Coverage • 安省專業服務

Serving Clients Across Ontario

Province-Wide Advisory • Local GTA Office in Richmond Hill

服務全安省客戶 • 大多倫多地區實體辦公室 (Richmond Hill)

Contact & Office Details

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Phone / 電話
(647) 463-1867

 

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Email / 電郵
man.fung@calibermortgage.ca

 

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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

3.70%

Current prime rate is

4.45%

    • Terms
    • Bank Rates
    • Payment Per $100k
    • Our Rates
    • Payment Per $100k
    • Savings
    • 6 Months
    • 7.89%
    • $756.21
    • 4.59%
    • $558.49
    • $197.72
    • 1 Year
    • 6.15%
    • $648.75
    • 4.59%
    • $558.49
    • $90.26
    • 2 Years
    • 5.44%
    • $606.90
    • 4.39%
    • $547.37
    • $59.53
    • 3 Years
    • 4.62%
    • $560.16
    • 4.34%
    • $544.61
    • $15.55
    • 4 Years
    • 6.01%
    • $640.40
    • 4.39%
    • $547.37
    • $93.03
    • 5 Years
    • 4.56%
    • $556.81
    • 4.39%
    • $547.37
    • $9.44
    • 7 Years
    • 6.41%
    • $664.38
    • 4.59%
    • $558.49
    • $105.89
    • 10 Years
    • 6.81%
    • $688.72
    • 4.59%
    • $558.49
    • $130.24
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.

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