With a focus on clarity and customized solutions, I have spent the past 30 years helping clients navigate the complexities of the mortgage market to find their right path home. As a Lead Mortgage Strategist at A Better Way Mortgage and a key member of the Anissa Wong & Associate Team, I am committed to providing expert guidance that empowers homeowners to make confident financial decisions. Whether you are a first-time buyer or looking to refinance, my goal is to provide "a better way" to manage your mortgage.
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 the Anissa Wong & Associates Team
Let us help you unlock the door to your dream home. We are proud to offer "A Better Way" to manage your mortgage.
I warmly welcome inquiries in English, Cantonese, Mandarin, and Toisanese.
Want to find your monthly payment or what you can afford? Find out this and more with our easy to use calculators!
Want a mortgage? Get a mortgage! Apply now!