Oscar Tang - Mortgage Broker

Oscar Tang - Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Oscar Tang - Mortgage Broker, Mortgage brokers, A201/9000 Bill Box Way, Burnaby, BC.

08/11/2026

同樣買 $1,000,000 的樓，地點不同，成本可能差足 $200,000。😳

在 BC 指定地區，非加拿大公民或永久居民的買家，可能需要支付 20% Additional Property Transfer Tax；Alberta 目前沒有同類的省級海外買家稅，但仍有土地註冊費及其他成交成本。Work Permit 並不代表一定要付或一定獲豁免，必須按身分、物業與政策逐項確認。

買樓不能只看樓價，隱藏成本也是資金架構的一部分。
你會選擇：
A｜留在 BC　B｜轉戰 Alberta？

留言告訴我你的選擇👇

需要比較兩省的預算，可以把你的情況傳給我。

你的貸款，我來陪跑。🏃‍♂️

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The same $1,000,000 home could come with a $200,000 difference in upfront costs—depending on where you buy. 😳

In specified areas of BC, foreign-national buyers may face a 20% Additional Property Transfer Tax. Alberta currently does not impose the same provincial foreign-buyer tax, although registration fees and other closing costs still apply. Work Permit status alone does not automatically determine whether the tax applies or whether an exemption is available.

Buying a home is not only about the listing price—the hidden costs matter too.
Which would you choose?

A｜BC　B｜Alberta

Comment below 👇

Send me your situation, and I’ll help you compare the numbers.
Your mortgage. I’ll run the journey with you. 🏃‍♂️

08/06/2026

儲夠首期，不代表你已經夠錢買樓。🏠

買一間 $1,000,000 的物業，單是 BC 物業轉讓稅 PTT，就可能要準備 $18,000。很多新手買家只計首期，最後到成交前才發現預算不夠。💸

首次買家或購買符合資格的全新自住房，有機會獲得 PTT 豁免，但要視乎樓價及個人條件。
落 Offer 前，把 Listing 傳給我。

我幫你把首期、PTT 和成交費用一次計清楚。

考考你：買 $800,000 的物業，未計豁免前 PTT 是多少？
A. $8,000　B. $14,000　C. $16,000

把答案留在留言區👇

你的貸款，我來陪跑。🏃‍♂️

————————————
Saving enough for the down payment doesn’t always mean you’re ready to buy. 🏠

On a $1,000,000 property in BC, the Property Transfer Tax alone could be $18,000. Many first-time buyers only calculate the down payment and discover the extra closing costs too late. 💸
Eligible first-time buyers or purchasers of qualifying newly built principal residences may receive a partial or full exemption.

Send me the listing before making an offer, and I’ll help you calculate the down payment, PTT, and estimated closing costs.

Quick quiz: What is the PTT on an $800,000 property before exemptions?
A. $8,000　B. $14,000　C. $16,000

Leave your answer below 👇

Your mortgage. I’ll run the journey with you. 🏃‍♂️

07/31/2026

收到銀行的 Mortgage Renewal 信，簽名續約雖然方便，但未必最划算。📩

銀行寄來的第一個 Offer，不一定是市場上最好的選擇。利率只差一點，幾年下來也可能相差不少。💰

續約前，先花幾分鐘比較一下。
把 Renewal 信拍照傳給我，我幫你看看市場上還有沒有更適合的方案。

不想聊貸款也可以，約我跑步或喝杯咖啡。🏃‍♂️☕

你的貸款，我來陪跑。

—————————
Received a mortgage renewal offer from your bank? 📩

Signing it may be easy, but it may not be your best option. Even a small rate difference can add up over the next few years. 💰

Before you renew, take a few minutes to compare.
Send me a photo of your renewal letter, or let’s chat over a run or coffee. 🏃‍♂️☕

I’ll run the financial journey with you.

07/29/2026

好多人以為做 Mortgage Broker 時間好自由，事實係，我哋嘅靈魂一早就同部電話綁定咗。食緊飯、跑緊步、甚至發緊夢嗰陣，只要個客或者銀行一搵，我哋都會秒速回魂。

不過講笑歸講笑，對我嚟講，確保大家嘅貸款順利過關、唔會因為聯絡唔到人而錯失機會，就係我 24 小時 On Call 嘅最大原因。

你的貸款，我來陪跑。

遇到按揭難題？隨時打畀我（反正我都聽緊電話）。

————————
“I’m a mortgage broker, of course I have no idea what ‘disconnecting’ means.” 📱🫠

People think being a broker means ultimate freedom and flexible hours. The reality? My soul is eternally tethered to my smartphone. Whether I’m eating, running, or literally dreaming, the moment a client or an underwriter calls, I’m instantly back on the clock.

But jokes aside, making sure your mortgage gets approved smoothly and you never miss an opportunity is exactly why I stay on call 24/7.

Need mortgage advice? Call me today (I’m already on my phone anyway).

07/25/2026

2026 年，你仲敢唔敢買樓花 ？🤔🏠

其實買樓花最可怕嘅，從來唔係建築質素，而係交樓嗰陣嘅「估價不足」！📉

萬一銀行估估下低過當年合約價，差價就要自己出現金補，否則隨時面臨撻訂、甚至被追討嘅風險！❌

💡 但其實唔使過度擔心：

只要你個人收入足夠：
加拿大買樓最低首期要求只需 5%
💰剩餘 95% 都可以向銀行申請貸款
🏦買樓花畀 Deposit 只係第一步，順利拿到鎖匙收樓先係終點！🔑🏁

想買樓花，又想確保自己資金鏈萬無一失？
我是 Oscar，BC & AB 省持牌貸款經紀 🤝
歡迎私訊諮詢，出發前先幫你計清最穩陣嘅資金策略！📩

——————
Do you still dare to buy a Presale property in 2026? 🤔🏠

The biggest fear when buying a presale isn’t the build quality—it‘s the appraisal shortfall at completion! 📉

If the bank’s valuation falls short of your original contract price, you‘ll have to cover the gap with cash, or risk losing your deposit and facing developer lawsuits. ❌

💡 But don’t panic just yet:
As long as your income qualifies:

Minimum down payment requirement in Canada starts at just 5%

💰Up to 95% can still be financed through mortgage options
🏦Paying the deposit is only step one. Smoothly getting your keys at completion is the real finish line! 🔑🏁

Planning to buy a presale without breaking your cash flow?

I‘m Oscar, licensed Mortgage Broker in BC & AB 🤝
DM me today to run your numbers and build a bulletproof financing plan! 📩

07/22/2026

🚨 準備買樓？出車之前，停一停！

每月幾百蚊車供，看似唔多，但可能大幅降低你嘅按揭額度：

🚗 $300/月 → 可能少借約 $90,000
🚗 $500/月 → 可能少借約 $125,000
🚗 $1,000/月 → 可能少借接近 $180,000

買樓前，最好保持信貸乾淨。出車之前，先搵我計清楚！

📩 想知道自己借到幾多？DM 我。你的貸款，我來陪跑。

———

🚨 Buying a home? Think twice before financing a car!

A small monthly car payment could significantly reduce your mortgage qualification:

🚗 $300/month → About $90,000 less
🚗 $500/month → About $125,000 less
🚗 $1,000/month → Nearly $180,000 less

Before taking on new debt, let’s run the numbers first.

📩 Want to know how much you can qualify for? DM me.

HomeBuyingTips

07/15/2026

和大家分析一下七月份加拿大利息走向！

07/14/2026

Learn these 10 things before you decide to buy in 2026. Especially #1 is a game changer!!

07/08/2026

Heart it hard ❤️ If you are looking for a sign. 👍👍👍

⛳️

07/03/2026

Construction Loan (建築貸款 / 一改多)

🏗️ 做「一改多」最怕遇到咩情況？😨 新手投資者最常遇到嘅，正係資金預算不足！💸 建商按階段放款，若中途資金斷裂，工程隨時停擺。🛑 近年政府放寬政策，獨立屋轉孖屋或 Fourplex 需求大增 📈，新手切記要同經驗建商合作並預留充足應急資金。💰

我們在諮詢階段即為您精準核算總成本 🧮，確保貸款順利批核 ✅、工程如期完工。⏱️ 想穩步開展項目？歡迎私訊度身規劃！📩
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🏗️ What is the biggest challenge in a multiplex conversion? 😨 For first-time investors, it is running out of budget. 💸 Construction financing is advanced in stages, so if funds dry up, projects stall. 🛑 With new policies boosting duplex and fourplex developments 📈, remember to work with experienced builders and set aside a contingency fund. 💰

We estimate total costs early to keep your financing and construction on track. 🧮✅ Thinking about a conversion? DM me to learn more. 📩

Address

A201/9000 Bill Box Way
Burnaby, BC
V5J5J3

Telephone

+17788287088

Website

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