About Me
Guiding You Home Every Step of the Way
Hi, I’m Henry.
Mortgages are my job. Making the process make sense is the important part.
I’m a mortgage agent based in Vancouver, working with clients across BC. I got into this business because I enjoy the problem-solving side of mortgages — taking a situation that might look complicated at first and figuring out how to make the numbers work.
Every client comes with a different set of circumstances. Some are buying their first home, some are moving, some are refinancing, and others are building an investment portfolio. There isn’t a single mortgage that works for everyone, and I don’t think the conversation should start with a rate.
My approach is pretty simple: understand what you’re trying to accomplish, look at the options, explain the trade-offs, and help you make a decision you’re comfortable with.
I’m not here to tell you what you should do. I’m here to make sure you understand your options before you decide.
Discover Our Services
As your trusted mortgage agent, I offer a variety of services that make the home buying process easier and more convenient for you.
Tailored Mortgage Solutions
I’ll help you find a mortgage that fits your needs and long-term financial goals, with guidance to make the process simple and straightforward.
Online Tools and Calculators
Take advantage of our easy-to-use online mortgage calculator and other helpful tools to make informed decisions about your home buying journey.
Efficient Application Process
With our user-friendly online application process, you can easily apply for a mortgage and get approved without ever leaving your home.
Pre-Approval
Know Where You Stand Before You Start Shopping.
Before you start looking at homes, let’s figure out what actually makes sense. A pre-approval isn’t just a number from a lender. It’s a chance to look at your income, down payment, debts, and overall financial picture before you start shopping. I’ll work through the numbers with you and give you a realistic idea of what you can afford, what your payments could look like, and where the potential roadblocks might be. That way, when you find a home you love, you’re not guessing whether you can make the numbers work. You already know where you stand.
Purchase
Expert Mortgage Broker Services for All Homebuyers
You probably don’t need another person telling you that buying a home is a “big decision.” You already know that. What you probably do need is someone who can look at the numbers, explain your options without the mortgage jargon, and tell you when something does or doesn’t make sense. That’s where I come in. I work with a wide range of lenders and spend a lot of time figuring out the details behind each mortgage. My goal isn’t to sell you the biggest mortgage or chase the lowest rate. It’s to help you make a decision you’re comfortable with today and won’t regret later.
Refinance
Access Your Home Equity with a Smart Refinance Strategy
Your mortgage can do more than just pay off your house. If you’ve built up equity, your financial situation has changed, or you simply want to restructure your mortgage, refinancing may be worth looking at. That could mean using some of your equity for a renovation, consolidating higher-interest debt, helping with another investment, or restructuring your payments. I’ll run the numbers, show you what the different options actually cost, and help you decide whether refinancing makes sense. And if it doesn’t, I’ll tell you that too. The goal isn’t to borrow more money. It’s to make sure your mortgage is working for you.
Renewal
Mortgage Renewal Made Easy
Your renewal notice isn’t a recommendation. It’s an invitation to look at your options. When your mortgage comes up for renewal, you don’t have to simply sign whatever your current lender sends you. It’s worth taking a look at what’s available before you commit to another term. I can compare your current mortgage against other lenders, rates, and options to see if there’s a better fit. Maybe the best move is staying exactly where you are. Maybe it makes sense to switch lenders, access some equity, change your payment structure, or rethink your term. The goal isn’t to move your mortgage for the sake of moving it. It’s to make sure you’re still in the right mortgage for where you are today.
Debt Consolidation
Break Free from Debt with a Consolidation Strategy
If your debt feels like it’s getting harder to keep up with, let’s look at the bigger picture. Credit cards, lines of credit, car loans and other monthly payments can add up quickly — especially when you’re paying high interest on several balances at once. If you have equity in your home, consolidating some of that debt into your mortgage may be an option. It can simplify your payments and potentially reduce the amount of interest you’re paying, but there are costs and trade-offs to consider. I’ll run through the numbers with you, look at the different options, and help you understand what consolidation would actually change. The goal isn’t just to move your debt around — it’s to put you in a better position going forward.
Private Lending
Exploring Private Lending: A Viable Option
When traditional financing options don’t fit, private lending can be a game-changer. As a mortgage agent, I can help you tap into this alternative funding source. Private lending offers flexible terms, faster approval times, and a more streamlined process. This option is particularly suitable for borrowers with unique financial situations or those who require quick access to funds. I’ll work closely with you to determine if private lending is the right fit for your needs. Whether you’re looking to finance a property investment, cover unexpected expenses, or bridge a financial gap, I’ll guide you through the private lending process with transparency and professionalism.
Why Choose Us
Let us help you finance your dream home
Secure and Reliable
We prioritize the safety and security of your personal information, giving you peace of mind while you find your dream home.
Competitive Rates
Our mortgage rates are always competitive, saving you money while you secure the perfect home for you and your family.
Exceptional Service
We pride ourselves on providing exceptional customer service, putting you and your needs at the forefront of everything we do.
Our Trusted Partners
Access to over 50 lenders means more options for you. We work with a diverse network of lenders to find the perfect fit for your needs and secure the best rate possible.
Client Testimonials
Read what our clients have to say about Henry Le.
Vancouver Mortgage Statistics
Track BC housing trends and current mortgage rates every month
average home price in greater vancouver (july 2026)
$1.08M
Average 5 year fixed mortgage rate in BC (JULY 2026)
4.30%
current prime rate in canada (July 2026)
4.45%
current bank of canada overnight rate (july 2026)
2.25%
Mortgage Calculator
Contact Us
Whether you’re buying a home, refinancing, renewing, or looking at an investment property, we can start with a conversation. You don’t need to have everything figured out before we talk — I’ll help you work through the numbers, explain your options, and answer your questions along the way.
No pressure, no complicated jargon — just straightforward advice based on your situation.
F.A.Q.
Frequently Asked Questions
In most cases, there is no cost to work with a mortgage broker in Canada. Mortgage brokers are typically paid by the lender after the mortgage is completed and funded. This is a standard industry practice and does not affect the mortgage rate you receive.
Unlike bank representatives who work for one financial institution, mortgage brokers work for their clients, not the lender. This means brokers can provide unbiased advice and compare mortgage options from multiple lenders to help you find the most suitable mortgage for your needs.
In certain situations, such as when arranging financing through a private or alternative lender, a broker fee may apply. If that’s the case, it will always be clearly discussed and agreed upon in advance.
A fixed mortgage rate in Canada keeps your interest rate the same for the entire term, ensuring your monthly payments are predictable and stable. This option is popular for first-time homebuyers or homeowners who want financial certainty and protection against rising interest rates.
A variable mortgage rate can change over time because it is linked to a lender’s prime rate, which is influenced by the Bank of Canada’s policy rate. Your mortgage payments may go up or down depending on market conditions and your lender’s structure, making it a flexible option for borrowers comfortable with some risk.
Both fixed and variable mortgages in Canada are usually offered in terms of three or five years, after which the mortgage is renewed. Choosing the right mortgage depends on your financial goals, risk tolerance, and expectations about future interest rates.
In Canada, the minimum down payment depends on the purchase price of the home. For homes up to $500,000, first-time homebuyers and other buyers can put down as little as 5% of the purchase price. This makes it easier for new buyers to enter the housing market with limited savings.
For properties priced between $500,000 and $1.5 million, the minimum down payment is 5% on the first $500,000 and 10% on the portion above $500,000. Homes over $1.5 million require a minimum 20% down payment. Knowing the minimum down payment in Canada helps buyers plan their mortgage and savings strategy.
If your down payment is less than 20%, mortgage default insurance through CMHC or other providers is required. Understanding down payment requirements is essential for first-time homebuyers to budget for closing costs and qualify for the right mortgage.
Closing costs are additional expenses when buying a home in Canada, typically ranging from 1% to 1.5% of the purchase price. These include legal fees, property transfer taxes, title insurance, and home inspections.
In some provinces, such as British Columbia, buyers also pay the provincial Property Transfer Tax. First-time homebuyers may qualify for rebates or credits that reduce these costs.
Planning for closing costs is essential for Canadian homebuyers to avoid surprises and ensure they have enough funds at the time of purchase. Factoring these costs into your budget helps you secure the right mortgage and complete your home purchase smoothly.