Benny Ip - Mortgage Broker

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Benny Ip - Mortgage Broker

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🇨🇦 English Introduction

I’m Benny Ip, a licensed mortgage broker with RTC Mortgage, serving clients across British Columbia and Alberta.

🇨🇦 Benny Ip | Licensed mortgage broker with RTC Mortgage, serving BC and Alberta.

～Home purchases, renewals, refinancing & commercial financing

～Newcomers & self-employed clients welcome

Cantonese | Mandarin | English
WhatsApp ：672-558-4311
MB604940 I assist clients with home purchases, mortgage renewals and transfers, refinancing and equity take-outs, as well as commercial financing. I also understand the unique mortgage needs of newcomers, self-employed individuals, retirees, clients with variable or non-traditional income, and high-net-worth clients. From assessing your borrowing capacity and comparing mortgage options to organizing documents and explaining loan terms, I will guide you through each stage of the process in clear, straightforward language. Languages: Cantonese | Mandarin | English
Call or WhatsApp: 672-558-4311
Email: [email protected]
Licence: MB604940

You’re welcome to send me a private message for a complimentary initial consultation.

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🇭🇰 中文介紹

我係 Benny Ip，RTC Mortgage 旗下 BC 及 Alberta 持牌按揭顧問。

主要協助客戶處理新買按揭、續期轉按、加按套現及商業融資，亦熟悉新移民、自僱人士、退休人士、非固定收入及高資產客戶嘅按揭需要。

由分析貸款能力、比較按揭方案、整理申請文件，以至解釋貸款條款，整個過程都可以用廣東話溝通，逐步同你講解清楚。

語言：廣東話｜普通話｜English
電話／WhatsApp：672-558-4311
電郵：[email protected]
牌照：MB604940

歡迎私訊作免費初步諮詢。

11/01/2026

☕️🚀【咖啡店創業資金｜$175,000 商業貸款個案】

客人擁有多年咖啡店營運及管理經驗，一直希望開設一間屬於自己嘅精品咖啡店。
雖然已準備約 $85,000 自備資金，但由於新公司未有營業紀錄，亦無商業物業可以作抵押，客人最初擔心難以獲得銀行融資。
經過整理行業經驗、資金來源、店舖裝修預算、咖啡設備報價、營運預測及商業計劃後，最終成功獲批 $175,000 商業貸款。✅🎉

💰 貸款資金可用於：
🔨 店舖裝修及租賃物業改善工程
☕️ 商用咖啡機、磨豆機及相關設備
🧊 冷藏櫃、陳列櫃及廚房設備
🪑 店舖傢俬及銷售系統
📦 開業物資及其他創業成本

📋 個案概況
💼 行業：精品咖啡店
📍 地點：Burnaby, BC
💵 自備資金：約 $85,000
✅ 貸款金額：$175,000
🏦 貸款機構：大型加拿大銀行

💡 Benny 提醒
新公司未有營業紀錄，並不代表一定無法申請銀行融資。申請人嘅相關行業經驗、自備資金、信貸狀況、設備報價、營運預算及商業計劃，都會影響貸款機構嘅評估。
正計劃開設咖啡店、餐廳、零售店或其他小型生意？歡迎聯絡我作免費初步評估。

Benny Ip｜持牌按揭顧問
BC & Alberta｜MB604940
📱 電話／WhatsApp：672-558-4311
📧 [email protected]

＊以上內容為根據融資情況改編嘅情境示例，只供一般資訊參考，並不構成貸款承諾。貸款金額、利率及條款須視乎申請人經驗、資金、信貸、商業計劃及貸款機構政策獨立審批。

#創業貸款 #商業貸款 #咖啡店創業 #小企業融資 #加拿大創業

10/31/2026

💅 【Nail Salon Start-Up Financing | $150,000 Business Loan Case Study】

A client with several years of experience in the nail-care industry had always dreamed of opening her own salon.

Although she had prepared approximately $100,000 in personal funds, the new business had no operating history and no commercial property available as collateral. She was therefore concerned that obtaining financing from a major bank might be difficult.

After presenting her industry experience, source of funds, start-up budget and detailed business plan, she successfully obtained a $150,000 business loan. ✅

💰 The financing could be used toward:
• Leasehold improvements and renovations
• Manicure tables and pedicure chairs
• Ventilation and sanitization equipment
• Opening inventory and other start-up costs

📋 Case Overview
💼 Business: Nail salon
📍 Location: Richmond, BC
💵 Owner’s investment: Approximately $100,000
✅ Business loan: $150,000
🏦 Lender: Major Canadian bank

💡 Benny’s Tip
A new business without an established operating history or property collateral may still qualify for bank financing. Relevant industry experience, sufficient owner investment, good credit and a well-prepared business plan can all play an important role in the lender’s assessment.

🚀 Planning to open a nail salon, restaurant, retail store or another small business? Contact me for a free initial assessment.

Benny Ip | Licensed Mortgage Broker
BC & Alberta | MB604940
📱 Call or WhatsApp: 672-558-4311
📧 [email protected]

This scenario has been adapted from a financing situation and is provided for general information only. It does not constitute a loan approval or commitment. Loan amounts, interest rates and terms are subject to the applicant’s experience, investment, credit profile, business plan and the lender’s independent approval and policies.

10/27/2026

🏠 Newcomer Mortgage Case Study | Calgary Investment Property

Many newcomers to Canada worry that a short employment history or limited Canadian income documentation may make it difficult to qualify for a mortgage.

📣In this case, the client was a newcomer who initially had limited Canadian income history. After becoming established in Canada and obtaining reported employment income, the client wanted to purchase another rental property.

We reviewed the client’s employment income, existing rental income, expected rental income from the new property, and overall financial profile. By matching the application with a suitable lending solution and preparing the required documentation, the mortgage was successfully approved.

📌 Case Overview:
💼 Employment income: approximately $3,300/month
🏘️ Existing rental income: approximately $2,500/month
🏠 Expected rental income: approximately $2,500/month
💰 Mortgage approved: approximately $500,000
📍 Calgary, Alberta

Every mortgage application is different. Being new to Canada, having a shorter employment history, being self-employed, or having multiple sources of income does not automatically mean you cannot qualify.

🔑The key is to review your income, credit, down payment, property, and overall financial situation and determine which lending option may be suitable.

If you are planning to purchase a home or investment property, refinance, or renew your mortgage, feel free to contact me.

📲 Tel. / WhatsApp: 672-558-4311
📧 [email protected]
Benny Ip | Mortgage Broker
BC & AB | MB604940
RTC Mortgage

10/27/2026

🏠 【新移民按揭個案分享｜Calgary 投資物業】

好多新移民啱啱到加拿大時，都會擔心工作年資短、收入紀錄不足，會唔會好難申請按揭。

今次呢位客戶係一位中年新移民。初到加拿大時，因為未有足夠本地收入證明，最初主要靠親友協助資金，先購入一個自住物業及一個出租物業。
其後客戶開始有正式報稅工作，希望再購入多一個投資物業。雖然工作歷史唔算長，但經過分析客戶嘅收入、現有及預期租金，再配合合適嘅貸款機構及文件，最終成功完成按揭申請。

📌 個案概況：
💼 每月工作收入：約 $3,300
🏘️ 現有每月租金收入：約 $2,500
🏠 預期新物業租金：約 $2,500/月
💰 批出按揭：約 $500,000
📍 Calgary, Alberta

每位客戶嘅情況都唔同。新移民、工作年資較短、自僱人士，或者收入來源比較複雜，都未必代表冇機會做到按揭。
最重要係先了解你嘅收入、信貸、首期、物業同整體財務狀況，再搵適合嘅貸款方案。

如果你正準備買樓、投資物業、轉按或者重新融資，歡迎搵我了解一下。

📲 Tel. / WhatsApp: 672-558-4311
📧 [email protected]
Benny Ip | Mortgage Broker
BC & AB | MB604940

#加拿大按揭 #新移民按揭 #投資物業 #首次置業 #轉按 #自僱人士

10/26/2026

🤔Thinking about buying a home or refinancing?

📣Mortgage rates are important — but the lowest rate isn’t always the best mortgage.
Your income, credit, down payment, property type and future plans can all affect which mortgage option makes the most sense for you.

I help clients with:
🏠 First-Time Home Purchases
🔄 Refinancing
🇨🇦 New to Canada Mortgage Options
💼 Self-Employed Applications

Have questions about fixed vs. variable rates or how rates affect your buying power?
📲 Phone / WhatsApp: 672-558-4311
📧 [email protected]

Benny Ip | Mortgage Broker
BC & AB | MB604940
RTC Mortgage

10/26/2026

諗緊買樓或者想轉按／重新融資？
按揭利率當然重要，但最低利率未必一定係最適合你嘅按揭方案。
你嘅收入、信貸紀錄、首期、物業類型，同埋未來財務計劃，都會影響邊一種按揭最適合你。
我可以協助：
🏠 首次置業
🔄 轉按／重新融資
🇨🇦 新移民按揭方案
💼 自僱人士按揭申請
如果你想了解固定利率 vs 浮動利率，又或者想知道利率變動會點樣影響你嘅借貸能力同每月供款，歡迎搵我傾下。
📲 電話 / WhatsApp：672-558-4311
📧 [email protected]
Benny Ip | 持牌按揭顧問
BC & AB | MB604940
RTC Mortgage
#按揭 #買樓 #首次置業 #轉按 #重新融資 #新移民 #自僱人士 #加拿大按揭 #卑詩省買樓

10/25/2026

🏠 Using Home Equity to Grow a Rental Portfolio
If you already own a rental property, could refinancing help release part of its equity toward another investment property?

Here is an adapted planning scenario:
📋 Existing Property Refinance
• Appraised value: $700,000
• Current mortgage: $310,000
• New refinance: $420,000
• Potential equity release: Approximately $110,000*

The client planned to combine the potential equity release with approximately $20,000 in personal savings, providing a $130,000 down payment for the next rental property.
🏘️ Proposed Rental Purchase
• Purchase price: $520,000
• Down payment: $130,000 (25%)
• New mortgage: $390,000
• Estimated rent: $2,650 per month

💡 Benny’s Reminder
A lender would consider more than the property’s available equity. The assessment may also include:
✅ Employment and other verifiable income
✅ Existing and proposed rental documentation
✅ Mortgages, property taxes and other liabilities
✅ Credit history and source of down payment
✅ Mortgage stress testing and overall debt servicing

Rental income calculations vary among lenders. Proposed rent should not be assumed to count as 100% qualifying income.
Would you like to estimate your available home equity or explore the possibility of purchasing another rental property? Contact me for a complimentary initial assessment.

Benny Ip | Licensed Mortgage Broker
BC & Alberta | MB604940
📱 Call or WhatsApp: 672-558-4311
📧 [email protected]

*This adapted scenario is provided for general information only and does not represent a mortgage approval or commitment. The potential equity release is before mortgage penalties and closing costs. Appraised value, rental-income treatment, loan amount, rate and terms remain subject to the applicant’s income, credit, liabilities, property and the lender’s independent approval policies.

10/25/2026

🏠【善用物業淨值，擴展出租物業組合】

已經擁有一項出租物業，係咪可以透過再融資釋放部分物業淨值，再購入下一項投資物業？

以下係一個改編示例方案：
📋 現有物業再融資
• 物業估值：$700,000
• 現有按揭：$310,000
• 新再融資：$420,000
• 潛在套現：約 $110,000*

客人計劃將套現資金，加上約 $20,000 個人儲蓄，組成 $130,000 首期，用作購入下一項出租物業：
🏘️ 新出租物業
• 買入價：$520,000
• 首期：$130,000（25%）
• 新按揭：$390,000
• 預計租金：每月 $2,650

💡 Benny 提醒：
銀行審批時，除咗會考慮物業估值及可套現金額，亦會評估：
✅ 工作及其他可核實收入
✅ 現有與新物業嘅租金證明
✅ 所有按揭、地稅及其他債務
✅ 信貸紀錄及首期來源
✅ 壓力測試及整體供款能力

租金收入嘅計算方法因貸款機構而異，並非所有銀行都會將預計租金100%計入收入。
想知道自己現有物業可以套現幾多，或者有冇機會購入下一項出租物業？歡迎聯絡我作免費初步評估。

Benny Ip｜持牌按揭顧問
BC & Alberta｜MB604940
📱 電話／WhatsApp：672-558-4311
📧 [email protected]

＊以上為改編情境，只供一般資訊參考，並不構成按揭批核或承諾。套現金額尚未扣除按揭罰息及成交費用；實際估值、租金計法、貸款金額、利率及條款，須按申請人收入、信貸、債務、物業及貸款機構政策獨立審批。

#物業套現 #重新按揭 #出租物業 #投資物業 #新移民按揭 #租金收入 #加拿大按揭

10/24/2026

🥐【Experienced Baker, New Company—Could Start-Up Financing Still Be Possible?】

Here is an adapted financing scenario:
The client had several years of bakery and food-service experience and planned to open an artisan bakery in Burnaby. Although the new company did not yet have an established operating history or commercial real estate available as collateral, the owner had relevant experience and was prepared to invest personal funds in the project.

Project overview:
🏪 Total project cost: $240,000
💰 Owner investment: $72,000 (30%)
🏦 Illustrative term loan: $168,000 (70%)

The financing package included:
✅ Evidence of relevant industry experience
✅ Proposed lease and renovation budget
✅ Quotes for ovens, mixers, proofers and refrigeration
✅ Business plan, sales forecast and cash-flow projections
✅ Evidence supporting the source of the owner’s investment
The proposed loan would be used for leasehold improvements and essential bakery equipment.

💡 Benny’s reminder:
A business loan is not assessed on collateral alone. Relevant experience, credit history, owner investment, equipment quotes, financial projections and the quality of the business plan may all affect the lender’s decision.
Would you like to understand the possible financing options for your business plan? Contact me for a complimentary initial assessment.

Benny Ip | Licensed Mortgage Broker
BC & Alberta | MB604940
📱 Call or WhatsApp: 672-558-4311
📧 [email protected]

This is an adapted scenario provided for general information only. It does not represent a loan approval, commitment or financial advice. Amounts, eligible uses, rates and terms remain subject to program requirements, the applicant’s circumstances and the lender’s independent approval.

10/24/2026

🥐【有麵包店經驗，但新公司未有營業紀錄，仲可唔可以申請創業融資？】

今次分享一個改編個案：
客人有多年麵包及烘焙業經驗，一直希望喺 Burnaby 開設自己嘅精品麵包店。雖然新公司未有完整營業紀錄，亦未有商業物業可作抵押，但客人已累積足夠行業經驗及自備資金。

項目預算如下：
🏪 總項目成本：$240,000
💰 自備資金：$72,000（30%）
🏦 示例定期貸款：$168,000（70%）

申請準備包括：
✅ 過往行業經驗證明
✅ 店舖租約及裝修預算
✅ 商業焗爐、攪拌機、發酵櫃及冷藏設備報價
✅ 銷售預測、現金流及商業計劃
✅ 自備資金及首期來源證明
貸款資金計劃用於店舖裝修及購置主要烘焙設備。

💡 Benny 提醒：
創業貸款唔係單靠抵押物決定。申請人嘅相關經驗、自備資金、信貸狀況、設備報價、現金流預測及商業計劃，都會影響貸款機構嘅評估。
想了解你嘅創業計劃有冇合適融資選擇，歡迎聯絡我作免費初步評估。

Benny Ip｜持牌按揭顧問
BC & Alberta｜MB604940
📱 電話／WhatsApp：672-558-4311
📧 [email protected]

＊以上為改編情境，只供一般資訊參考，並不構成貸款批核、承諾或財務意見。貸款金額、用途、利率及條款，須視乎申請人情況、計劃資格及貸款機構獨立審批。

#創業貸款 #商業貸款 #麵包店創業 #小企業融資 #加拿大創業 #餐飲業融資

Address

Unit 201A • 9000 Bill Fox Way
Burnaby, BC
V5J5J3

Telephone

+16725584311

Website

http://rtcmortgage.ca/

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