Anissa Wong - A Better Way Mortgage by Mortgage Architects

06/17/2026

最新頭號粉絲大點名！💎

Jim R. Novotny

撰寫回應，歡迎他們加入我們的社群 @頭號粉絲

06/17/2026

🏠 【加拿大買房必看】什麼是 Alternative Lender（另類貸款機構）？

在加拿大申請房屋按揭貸款時，大家最先想到的通常是五大銀行（也就是傳統的 A-Lenders）。但如果因為收入證明或信用分數等原因，被大銀行拒絕了怎麼辦？別擔心，這時候 **Alternative Lenders（另類貸款機構，通常被稱為 B-Lenders）** 就是你的最佳後盾！

❓ **什麼是另類貸款機構？**
它們同樣是受加拿大政府監管的正規合法金融機構（例如信託公司 Trust Companies、部分信用合作社 Credit Unions 等）。它們的運作方式與大銀行相似，但最大的優勢在於：**貸款審批標準更加靈活！**

🎯 **哪些人最需要另類貸款機構？**

* 🧑‍💼 **自僱人士 / 自由職業者**：收入真實存在，但難以提供傳統銀行要求的 T4 報稅單來證明穩定收入。
* 🍁 **新移民 / 非居民**：剛來到加拿大，還沒有足夠的時間建立完善的信用紀錄。
* 📉 **信用分數有瑕疵**：過去曾有延遲還款紀錄，或目前的債務收入比（GDS/TDS）略高於傳統銀行的嚴格標準。
* 💼 **擁有多套房產的投資客**：傳統銀行的貸款額度已經用滿。

⚖️ **有什麼優缺點？**

* ✅ **優點**：審核彈性大，它們更看重「房產本身的價值」以及你的「首付比例」（通常需要至少 20% 的首付款）。它們能幫你在關鍵時刻順利拿下心儀的房子。
* ⚠️ **注意事項**：因為機構承擔了較高的風險，所以貸款利率通常會比大銀行稍微高一點，並且在放款時通常會收取一筆額外的機構手續費（Lender Fee，大約是貸款總額的 1% 左右）。

💡 **貸款策略建議 (Pro Tip)：**
在規劃按揭時，我們通常會把另類貸款機構當作一個「過渡橋樑」。您可以先透過它們成功買房，然後在接下來的 1 到 2 年內，努力提高信用分數或累積更穩定的報稅收入紀錄。等時機成熟，我們就可以幫您轉貸（Refinance）回傳統大銀行，享受更低的利率！

—

👇 **買房遇到貸款瓶頸？想知道自己能貸多少？立即聯繫我免費諮詢！**

👤 **Anissa Wong** | 首席按揭策略師 (Lead Mortgage Strategist)
📞 Phone/WhatsApp: 403-815-8383
📧 Email: [email protected]

#加拿大房貸 #加拿大按揭專家

06/17/2026

【市場快訊】美伊達成停火協議，這對您的房貸利率意味著什麼？

近日，美國與伊朗達成停火協議並宣布逐步重啟荷姆茲海峽（Strait of Hormuz）的消息，讓全球金融市場出現了一線轉機。作為您的房貸專業顧問，我第一時間為大家解析這項國際大事，如何直接影響到您的錢包與未來的房貸規劃：

1. 為什麼國際停火會讓債券收益率下跌？
隨著中東局勢降溫，市場預期航運將逐步恢復，直接推動了國際油價（WTI 及 Brent 原油）回落。能源成本的降低，有效緩解了全球市場對「惡性通膨」的擔憂。當通膨預期降溫，投資人對債券的需求增加，進而導致債券收益率（Bond Yields）下降。

2. 對固定利率（Fixed Rate）的潛在影響
加拿大的 五年期固定房貸利率 通常與「加拿大五年期政府債券收益率」高度掛鉤。近期債券收益率的下跌，成功減輕了固定利率進一步攀升的壓力。對於正面臨續約（Renewal）或準備入市的借款人來說，這是一個緩解「加息威脅」的實質好消息。

3. 我們是否可以期待利率大幅下降？
請保持「謹慎樂觀」，切勿過度解讀。
雖然市場壓力減輕，但分析師指出，通往「利率顯著下調」的道路依然狹窄。加拿大央行（Bank of Canada）雖然在 6 月 10 日的會議上將基準利率維持在 2.25%，但在下個月（7月15日）的利率決策中，央行仍需看到確切數據證明核心通膨持續向 2% 目標靠攏，才會考慮進一步轉變政策。

💡 Anissa Wong 團隊的策略建議：
不要過度期待戲劇性的利率崩跌： 全球市場波動依然存在，不要將此協議視為利率立即大幅下調的保證。

靈活調整佈局： 如果您近期面臨房貸續約或購屋需求，請關注未來幾週的經濟數據與油價走勢。若您追求極致的預算確定性，在市場前景完全明朗前，鎖定當前的利率依然是 prudent（明智且穩健）的選擇。

總結： 這是一個整體的利好訊號，緩解了市場最緊張的「通膨螺旋」擔憂，但短期內市場仍將持續震盪。如果您對目前的房貸規劃或續約策略有任何疑問，歡迎隨時聯絡 Anissa Wong & Associate Team，讓我們一起為您的財務規劃與資產安全嚴格把關！

📱 聯絡我們 / Contact Us
如果您需要進一步的精準試算或客製化策略房貸規劃，歡迎隨時與我們聯繫：
Phone/WhatsApp： 403-815-8383
Email： [email protected]

#加拿大房貸 #利率走勢 #美伊協議 #市場分析 #亞伯達省房貸 #卡加利房貸 #房貸策略

06/16/2026

Looking for a better way to navigate the mortgage market?
Meet Anissa Wong & Associate Team by GD Group!
We are proud to partner with A Better Way Mortgage Group and Mortgage Architects to offer you unparalleled expertise and personalized solutions.
Whether you're a first-time homebuyer, looking to refinance, or investing in property, we are here to guide you every step of the way.

Let us help you unlock the door to your dream home. We offer "A Better Way" to manage your mortgage.

+1 (403) 815-8383
[email protected]

Contact us today for a consultation!

06/16/2026

🔑 讓我們助您開啟夢想家園的大門。我們為您提供管理房貸的「更好方法」。

歡迎立即聯繫我們進行諮詢！
📞 +1 (403) 815-8383
📧 [email protected]
🌐 https://www.mortgagearchitects.ca/Anissa-Wong-Mortgage-Broker-Calgary

#加拿大房貸

06/14/2026

🚀 WE’RE HIRING: Licensed Mortgage Associate (Alberta) 🚀
Are you a self-driven, high-energy sales rockstar with unstoppable confidence? Do you thrive in an environment where your income directly reflects your hustle?

The Anissa Wong and Associate Team is expanding, and we are looking for a licensed professional ready to take their career to the next level under a 100% commission structure with uncapped earning potential.

What We’re Looking For:
Licensed & Experienced: Holds a valid mortgage associate license in Alberta. Ideally, you bring 3+ years of industry-related experience.

Sales Champions: A proven track record in sales is a major asset. You know how to build relationships and close deals.
High Energy & Self-Confident: You don't wait for opportunities; you create them.

Multilingual is a Plus: Speaking a second language is a strong asset to help serve our diverse clientele!
Why Join Us?

Work with a dynamic, established team that provides the platform and reputation to back up your drive. If you have the motivation, we have the space for you to win big.

📧 Ready to crush your goals?
Send your resume today to [email protected] and let’s talk!

06/14/2026

Professional Mortgage Services | 專業按揭貸款服務

1. Residential, New Buyer & Transfer Solutions | 自住置業、新移民及轉按方案

* New Home Mortgage / 新居按揭貸款

* Tailored financing solutions to help you purchase your dream home with confidence.
* 為您量身定制的置業融資方案，助您從容買下心儀家園。

*New Construction Home / 新落成/自建房屋按揭

* Specialized milestones and draw mortgages structured specifically for newly built or custom homes.
* 專為新落成房屋、樓花或自建住宅設有的分期放款（Draw Mortgage）專業按揭。

* Switch Mortgage (Mortgage Transfer) / 轉按貸款 (物業轉按)

* Seamlessly transfer your mortgage to a new lender to lock in a better interest rate, lower your monthly payments, and save on interest.
* 將您現有的按揭無縫轉移至其他借貸機構，以鎖定更低的優惠利率、減少月供並節省利息開支。

* New to Canada Program / 新移民按揭計劃
* Welcoming newcomers with dedicated programs that accommodate alternative credit histories and building a future in Canada.
* 專為抵加新移民而設的特別貸款計劃，靈活評估海外信貸背景，助您在加拿大安家落戶。

2. Self-Employed & Alternative Lending | 自僱人士及靈活方案

* Self-Employed Income Mortgage / 自僱人士按揭
* Custom mortgage structures designed around the unique financial realities of business owners.
* 針對企業主及自僱人士的獨特財務狀況，提供客製化的按揭審批方案。

* Stated Income for Self-Employed / 自僱人士申報收入按揭
* Specialized lending criteria that look at overall business strength rather than just traditional tax statements.
* 專為自僱人士設計的「申報收入」常規方案，著重評估企業整體實力而非單一稅單。

* Bad Credit Solutions / 信用修復與重組按揭
* Compassionate, practical restructuring strategies to secure financing while actively rebuilding your credit score.
* 提供務實的信貸重組方案，在協助您重塑信用評分的同時，順利取得所需資金。

* Private Lender Mortgage / 私人貸款機構按揭
* Fast, flexible, and short-term alternative financing options when traditional bank criteria cannot be met.
* 當傳統銀行未能審批時，提供高效、靈活且短期的私人財團/機構過渡性融資方案。
*
3. Equity & Secondary Financing | 房屋淨值與第二按揭
* Home Equity Line of Credit (HELOC) / 房屋淨值信用額度

* Unlock the wealth tied up in your property for investments, renovations, or personal financial flexibility.
* 釋放物業中累積的資產淨值，轉為靈活運用的隨借隨還信用額度，可用於投資或家居翻新。

* Second Mortgage / 第二按揭
* Secure additional funding without breaking or altering the competitive rate of your primary mortgage.
* 在不影響或不破壞第一按揭優惠利率的前提下，高效獲取額外的第二層物業融資。

4. Commercial & Business Financing | 商業與大廈融資
* Secured Small Business Loan / 有抵押小商戶貸款

* Empowering your business growth with structured asset-backed loans to inject vital working capital.
* 利用資產抵押為中小企業注入關鍵營運資金，全力支持您的業務擴張與發展。

* Commercial Mortgage / 商業按揭
* Expert financing for retail spaces, offices, warehouses, and industrial properties.
* 為零售商舖、辦公大樓、倉庫及工業物業提供專業的商用土地與物業貸款。

* Mortgage for Apartment Buildings / 全棟住宅/多層公寓大廈按揭
* Specialized multi-unit residential sector financing designed for real estate investors and property portfolios.
* 專為房地產投資者及大型物業組合設計的多單元住宅大廈（Multi-unit Residential）專業融資方案。

Meet Anissa Wong & Associate Team by GD Group!
We are proud to partner with A Better Way Mortgage Group and Mortgage Architects to offer you unparalleled expertise and personalized solutions.
Whether you're a first-time homebuyer, looking to refinance, or investing in property, we are here to guide you every step of the way.

Let us help you unlock the door to your dream home. We offer "A Better Way" to manage your mortgage.

(403) 815-8383
[email protected]

http://www.mtgarc.ca/anissawong

Contact us today for a consultation!

06/13/2026

Check out my free mortgage app. It includes everything you need to estimate your home ownership costs. You can also reach me at 403-815-8383 or [email protected]

https://maapp.ca/app/anissa-wong/download

02/27/2026

02/27/2026

Mortgage Architects 20 Years Celebrating

Wow, what an incredible milestone!

🎉 Massive congratulations to MA / A Better Way Mortgage Group for surpassing $25 billion in funded mortgages in 2025!

Hitting a number like that in today's landscape requires serious operational discipline, a deeply engaged team of brokers, and a whole lot of trust from clients. It is a huge testament to the hard work, strong lender partnerships, and resilience the entire team has built over the last year.