Mortgages by Connie Fan

Mortgages by Connie Fan Licensed Mortgage Broker with Mortgage Architects - Team Borle. I help first time home buyers, purchases, renewal, refinances and reverse mortgage.

Fluent in English, Cantonese & Mandarin. Making home financing simple and stress-free! After relocating from Hong Kong to Vancouver, I personally experienced how frustrating and overwhelming the mortgage and home-buying process can be for newcomers. Even with my professional background, I faced unexpected challenges, unclear rules, and plenty of “I wish I had known this earlier” moments. That expe

rience changed my perspective and became my motivation - being a licensed Mortgage Broker. Today, I’m passionate about helping newcomers, first-time buyers, and anyone who feels puzzled by mortgages or the home purchase process. I understand the hiccups, the stress, and the uncertainty, because I’ve been there myself. My goal is to break things down, make the process easier to understand, and help you make informed decisions with confidence. If you’re feeling stuck, frustrated, or unsure where to start, you’re not alone—and you don’t have to figure it out by yourself.

Bank of Canada holds at 2.25% (Sep 2, 2026)No rate change today. So what’s happening with the economy?• Growth is pickin...
09/02/2026

Bank of Canada holds at 2.25% (Sep 2, 2026)

No rate change today. So what’s happening with the economy?

• Growth is picking up: the economy rebounded in Q2
• Inflation is still a concern: staying above target
• Uncertainty remains: tariffs, trade and energy prices continue to weigh on the outlook

For now, the Bank is staying cautious.

What does this mean for your mortgage?
Let’s talk about your options.

08/25/2026

Did you have the same question?

Fixed or variable? There’s no one-size-fits-all answer.

Let’s talk about what makes sense for you.

08/18/2026

Cash back mortgages can be attractive, but don’t let the cash incentive be the only thing you look at.

Some offers may come with additional banking requirements, such as opening a chequing account, credit card or investment account.

And if you break the mortgage early, the cash back may be clawed back.

The best mortgage isn’t always the one with the biggest cash incentive. Look at the rate, penalties, terms and overall cost before you decide.

Want to know if a cash back mortgage actually makes sense for you? Let’s talk.

08/17/2026

That “great mortgage rate” may come with a bundle.

Some banks offer mortgage products that are tied to their other banking services. You may be required to open or maintain a chequing account, credit card, or other products.

On the other hand, monoline lenders generally focus on mortgage lending rather than everyday banking, so you can typically make your mortgage payments from an account at any bank.

So when comparing mortgages, don’t just ask:

“What’s the rate?”

Also ask:

“What do I have to take with it?”

The lowest rate isn’t always the best overall deal.

08/14/2026

Mortgage Broker vs Bank Advisor

There is a big difference between going to a bank and using a mortgage broker.

When you go directly to a bank, the advisor there can only offer you that specific bank's mortgage products.

As a mortgage broker, I work for you instead of the lender. I compare options from multiple different lenders to find the mortgage that actually fits your goals.

Even if you end up choosing your current bank in the end, it is always worth comparing your options first to make sure you are getting the right product.

Send me a message and we can see what the market has to offer you.

08/12/2026

It sounds crazy, but the lowest interest rate is not always the best deal.

A rock bottom rate often comes with strict penalties, very few prepayment options, and zero flexibility if you ever need to move or refinance.

Life changes, and sometimes paying a tiny fraction more on your rate upfront can actually save you thousands in penalty fees down the road.

We want to find a mortgage that fits your life plans, not just the lowest number on a screen.

Check the link in my bio to book a chat.

Reading reviews like this reminds me exactly why I love what I do. Buying a home is a massive decision, and my main goal...
08/11/2026

Reading reviews like this reminds me exactly why I love what I do.

Buying a home is a massive decision, and my main goal is always to take the stress out of the mortgage process so you can actually enjoy the experience.

Thank you so much for trusting me to guide you through this.

If you are looking for a mortgage partner who will always take the time to answer your questions and clearly explain your options, feel free to reach out.

08/10/2026

A lot of people are thinking about breaking their mortgage early right now to get a lower interest rate or access their home equity.

Before you make any moves, we need to run the numbers. Breaking your term usually comes with a prepayment penalty. I can calculate exactly what that penalty will be and tell you if the potential savings or cash access actually makes financial sense once those fees are factored in.

Send me a message and I can run the math for you.

08/10/2026

The best time to talk to a mortgage broker is before you even start looking at houses.

Having a quick conversation early on helps you understand your actual budget, what you qualify for, and what paperwork you need to start gathering.

People are sometimes hesitant to reach out because they worry about hidden fees, but I do not charge by the minute.

My goal is just to get you prepared. If there is ever any charge for a specific service, I will always let you know upfront.

Send me a message if you want to start planning your purchase.

08/08/2026

If you are self employed,
you might think getting a mortgage is impossible.

That is definitely not the case.
It really just depends on how you pay yourself.

Lenders look at your income differently depending on whether you take a T4 salary, pay yourself in dividends, have cash income, or leave most of your earnings inside your business.

Every income structure is assessed differently, there is no one size fits all answer.

If you run your own business and want to buy a home, reach out and we can look at your specific situation.

Address

Vancouver, BC

Telephone

+16723807858

Website

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