Sun - Sat : 09:00am - 9:00pm
hanyu@themortgagedivision.com
(647) 879-2672

Hanyu Zhu

Mortgage Agent #M20001550

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ROUND THE CLOCK AVAILABILITY

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WE DELIVER MORE THAN PROMISED

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100% SATISFACTION PROVEN

Refinance

Refinance is like a rebirth of your mortgage. If you are distressed with the payments and the after-effects of the loan, then it getting it refinanced is worth it. In case of a refinance, your current mortgage scheme is put to an end and then you are asked to choose from a new mortgage plan to pay the rest of your debt.

Renew/Switch

We offer end-to-end solutions that will meet your every mortgage need! The Mortgage Division helps you on the Path to Debt–Free Mortgage Solutions. A mortgage renewal gives people an opportunity to assess their desire and requirement for a mortgage before they set out to buy or renew mortgage products. Hence, when the time for renewal comes, it is good to be informed.

Equity Takeout

An equity take out mortgage is a mortgage loan used to “take out” equity for other purposes. It may be used for repairs or renovations of the property, to use as a down payment for a vacation property, for investment in another area, or many other purposes. Because it is tied to property’s equity, the property owner must have equity in the property, after its fair market value and other mortgages are taken into consideration.

Self Employed

With nearly 20% of all income earners in Canada being self-employed (at least part-time), we often wonder why it is so difficult for this growing demographic to obtain a mortgage. The first issue is the fact that income is not always easy to prove. Also, many business owners are motivated to expense as much as possible in order to minimize their taxes payable, which is something many lenders do not recognize.

Debt-Consolidation

A person’s financial situation is never the same. It can be brilliant right now, but it could also be dark tomorrow. Debt is one such dark side, which restrains people from attaining their goals. Unfortunately, this phenomenon has become prevalent nowadays. People pick up loans to make purchases they would have otherwise unable to make with their regular income. If the person’s monetary situation remains good, then he/she clears the loan gradually, but if a financial catastrophe occurs, then they fell into debt.

Private Mortgages

As opposed to the banks, private money lenders do not pose stringent requirements. The eligibility conditions for a sanction of mortgage loan are easy and workable. A number of private mortgage firms offer loans at low interest rates plus tailor-made terms. Since the qualification terms are minimal with private lenders, many home buyers have chance to successfully get through the application process.

Why Use a Mortgage Broker?

We work for you

EXPERT ADVICE

MULTIPLE OPTIONS

COMPREHENSIVE SOLUTIONS

SKILLED AGENTS

ROUND THE CLOCK AVAILABILITY

EXPERIENCE

AFTER 20 YEARS IN THE INDUSTRY, OUR PRINCIPAL BROKER HAS ALWAYS ENSURED HIS CLIENTS THAT WITH ALL THE KNOWELDGE HE HAS GAINED OVER THE YEARS, HE TRULY KNOWS WHAT IS BEST FOR YOU. USING SKILLS HE’S DEALT WITH IN THE PAST, HE UNDERSTANDS EVERYONE’S FINANCIAL SITUATIONS.

DIVERSE RANGE OF PRODUCTS

LICENSED MORTGAGE SPECIALISTS HAVE ACCESS TO MULTIPLE LENDERS AND MORTGAGE RATES. AN INTERMEDIARY WHOS COMMISION IS PAID BY THE LENDER PROVIDING THE MORTGAGE PRODUCT. WE WORK FOR THE CLIENT, AND SO ALL THE WORK FOR YOU!

ALL UNDER ONE ROOF

WHETHER YOU ARE LOOKING TO RENEW, REFINANCE, FIRST-TIME HOME-BUYER OR SIMPLY NEED TO PAY OFF SOME DEBT. WE PROVIDE THE TOP SERVICES YOU NEED EVEN WHEN YOU DIDN’T KNOW YOU NEEDED THEM. LEARN MORE ON OUR WEBSITE’S SERVICES PAGE.

WHY CONTACT US?

WE TAKE PRIDE IN OUR MORTGAGE AGENTS AND THEIR STRIVE TO TAKE CARE OF THEIR CLIENTS. WE HAVE MOBILE AGENTS ALL OVER SOUTHERN ONTARIO. TRAINED TO HELP YOU GET THE LOWEST RATES, WHILE KEEPING YOU INFORMED EACH STEP OF THE WAY.

HOW TO CONTACT US?

FIND US ON SOCIAL MEDIA, SEND US AN EMAIL OR CALL US TO SPEAK DIRECTLY WITH A MORTGAGE EXPERT. WANT TO CHAT NOW? SEND US A MESSAGE AND WE WILL BE SURE TO GET BACK TO YOU AS SOON AS POSSIBLE.

About Us

I am an honored graduate of the University of East Anglia with a major Economics and Accountancy. I came to Canada in 2013 and have been working in Canada for over 3 years as an accountant. In my first career year, I was working as a tax specialist in Triple J Consulting Inc. With interviewing large amount of clients during busy tax season, I built strong customer service skills. Then, I got an opportunity to work as a junior accountant for Dellcom Inc. for one year and moved to Saand Inc. as an general accountant. Working for both companies not only equipped me with strong computer (Microsoft Office, Sage accounting) skills, but also built depth understanding of business operation. My job was focusing on optimizing current operating procedure, cutting cost and improving work efficiency. Recently, I decided to move forward to get my mortgage agent license and joined The Mortgage Division as a new agent. I have passion and significant interest in real estate and mortgage industry, I always build strong networking consistently with local potential home buyers and real estate brokers. My accounting background equipped me with strong business analytical and problem solving skills. Additionally, I pride myself on my friendly and approachable manner, which I feel gains the trust and confidence of potential customers. In my spare time, I love outdoor activities such as hiking, boating and fishing with my family.

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