Mortgages
From first-time purchases to complex refinancing, we compare bank, credit-union, and alternative lenders to find the right fit—rate and terms. Give us a call... we think you'll be pleasantly surprised!
How We Help:
✔ Access to multiple lenders and mortgage products✔ Competitive rates and flexible options✔ Personalized strategies based on your goals and lifestyle✔ Expert guidance from application to approval✔ Save time, effort, and money over the life of your mortgage
Start the process today.
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Why work with us?
Loyalty and trust are not just words — they are the cornerstones of how we serve our clients.
Mortgages are more than rates and numbers; they are about creating stability, opportunity, and freedom for you and your family.This is what sets us apart. Whether you’re buying your very first home, refinancing to unlock equity, or investing in rental properties, we are here to educate, guide, and advocate for you at every step of the journey.
In a world where lenders often speak in jargon and focus only on the transaction, we keep sight of what truly matters:
- your goals,
- your peace of mind, and
- your long-term financial health.
Our role is not just to arrange a mortgage but to design a strategy that aligns with your bigger picture.
We care as much about why you need financing as about the mortgage itself — because behind every mortgage is a dream, a family, and a future worth protecting.
Our Mortgage Planning service covers
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
Whether you’re getting your very first mortgage or reviewing an existing one, we take a holistic look at your financial picture, goals, and options. Together, we’ll create a tailored mortgage strategy that saves you money, builds equity wisely, and keeps your long-term plans on track.
First Time Buyers
Buying your first home is exciting, but it can also feel overwhelming. We simplify the process by explaining your options, helping you access first-time buyer programs and incentives, and guiding you step-by-step to secure the right mortgage for your needs and budget.
Repeat Buyers
Upgrading, downsizing, or moving to a new community?
As a repeat buyer, your needs are different the second (or third) time around. We help you navigate bridge financing, equity transfer, and timing your sale and purchase so the transition is smooth and financially sound.
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Comprehensive Review
Whether you’re getting your very first mortgage or reviewing an existing one, I take a holistic look at your financial picture, goals, and options. Together, we’ll create a tailored mortgage strategy that saves you money, builds equity wisely, and keeps your long-term plans on track.
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Investment Properties
Whether you’re purchasing your first rental or expanding a real estate portfolio, we provide strategies to structure your mortgage for maximum cash flow and long-term growth. From financing options to tax-efficient planning, we help you make your investment work harder for you.
New Construction Financing
Building your dream home or purchasing a pre-construction property requires careful planning.
We will help you navigate deposit structures, staged draws, and lender requirements so you’re financially prepared at every phase.
From the blueprint to the final closing, I guide you through the process and secure financing that aligns with your long-term goals.
Debt Consolidation / Equity Take Out
Your home’s equity can be a powerful tool. We help you access it to consolidate high-interest debts, lower monthly payments, or free up funds for renovations, education, or other goals. With the right strategy, you can improve cash flow today while protecting your financial future.
Bridge Financing
Timing a home sale and purchase doesn’t always line up perfectly. Bridge financing gives you short-term access to funds so you can move into your new home before the sale of your current one closes. We’ll guide you through the options and ensure the transition is smooth and stress-free.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Disability & Long-Term Care Protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Funding Children’s Education
Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university.
Insuring Estate and Succession Plans
When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family.
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family
Health, Dental and Wellness Insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Disability & Long-Term Care Protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Disability & Long-Term Care Protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Disability & Long-Term Care Protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Critical Illness Protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Death-event Security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Disability & Long-Term Care Protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Funding Children’s Education
Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university.
Insuring Estate and Succession Plans
When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance.
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Funding Children’s Education
Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university.
Insuring Estate and Succession Plans
When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance.
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Funding Children’s Education
Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university.
Insuring Estate and Succession Plans
When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance.
Retirement Income Through Annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
"I'm happy to share my experience working with Darlene. Her ingenuity, tolerance, and diligence have really separated her. In our connections, she showed noteworthy tender loving care, guaranteeing that I had an unmistakable comprehension of the protection choices accessible. Her understanding was clear as she got some margin to resolve every one of my various forms of feedback, ensuring I felt OK with the choices we were making. What stood apart the most was her steadiness in tracking down the most appropriate answers for my requirements. She exceeded all expectations to investigate different choices, giving me a degree of trust in my protection inclusion that I hadn't encountered previously. In our current reality where uncommon assistance is frequently difficult to find, Darlene's impressive skill and devotion radiate through. I sincerely prescribe her to anybody looking for a proficient as well as understanding and constant in counselor getting the best results."
"I was referred to Darlene by someone I know and was in a dire situation.
Darlene had gone above and beyond her expertise in Real Estate to help out my situation. I have learned a lot about Mortgages and Banks and lenders in the fields of Real Estate.
Darlene took the time to explain to my self and my children of the industry and help to move us forward in our decision making. I have never heard of private lenders before and Darlene explained to us the difference. Private and B Lenders.
I am grateful to Darlene for her Professionalism and her passion in helping families. Thank you Darlene.
I would certainly recommend Darlene to other persons."
"I am delighted to share my experience working with Darlene. Her diligence, patience, and persistence have truly set her apart. In our interactions, she demonstrated impressive attention to detail, ensuring that I had a clear understanding of the insurance options available. Her patience was evident as she took the time to address all my questions and concerns, making sure I felt comfortable with the decisions we were making. What stood out the most was her persistence in finding the best-suited solutions for my needs. She went above and beyond to explore various options, providing me with a level of confidence in my insurance coverage that I hadn't experienced before. In a world where exceptional service is often hard to come by, Darlene's professionalism and dedication shine through. I wholeheartedly recommend her to anyone seeking an advisor who is not only knowledgeable but also patient and persistent in securing the best outcomes."
"It was a pleasure working with Darlene as my mortgage broker. She is personable, professional and knowledgeable. She closely worked with me to understand the mortgage application process and supported me in fulfilling my goal of purchasing a new home. I highly recommend Darlene as a trusted mortgage advisor that demonstrates care and commitment to her clients from start to finish!"
"I recommend Darlene Chung-Ying because she is knowledgeable, understanding, respectful, trustworthy, and thinks outside the box to meet her clients needs. She has supported me for many years in all financial matters. She responds quickly to inquiries and is always truthful.Darlene helped me to get my credit back on track. She visited and called me multiple times to help me set up my budget, explain it to me, and just to check in to see how I was managing.During my change in circumstances, Darlene helped me save my home when the bank I dealt with for 18 years would not. She was nonjudgmental, very understanding, and supportive. Darlene, helped me to understand about investing and how the market works. She helped me identify what my financial goals were and how to achieve them. She helped me to move my investments to profitable portfolio based on my identified goals.For the past 3 years, I turn to Darlene for all my financial needs. No matter how small the issue, I always seek her guidance. Darlene has never failed me and I am confident she will do the same for you."
"Excellent Advice & Service
Darlene continues to serve as my financial advisor on all matters. Before I make any long term or short term financial decisions, I confirm with Darlene, as she has become a trusted source, looking out for our best interests.I would recommend her to any and everyone!"
"If you’re looking for someone who is reliable, efficient, effective, ethical and seeks your interest then you can count on Darlene.
Darlene has helped my wife and I to get our finances on track. It was a process, but her advice and financial guidance on investments and insurance paid off.
When we were ready to purchase a property, my wife and I did not hesitate in calling Darlene. She worked tirelessly and acted on our behalf in securing the best mortgage rate possible.
Over the years she has become our trusted financial advisor who we can count on.
Give her a call if you’re searching for a trusted advisor and mortgage broker."
"Guidance, Growth and a Plan
I am extremely thankful that Darlene was referred to me. She is knowledgeable and caring and was able to help me finally feel that I have control over my finances and have a plan for the future. Over the years I have been able to set financial goals to get myself out of debt with her guidance. I have come a long way and now have a comfort in knowing that I have the right plans and monitoring in place for my personal insurance and kids educational needs. I look forward to continuing to learn, building my insurance portfolio, and securing my mortgage with Darlene."
"I appreciate so much the advise I got from you guys. Jeff and Darlene you are amazing, thanks for helping me with the Manulife insurance."
"ChungYing Financial is an incredible organization that allowed me to realize the need for an estate plan. They guided me thru every step and now I am confident with my wealth and estate transfer plan. I use this opportunity to say thank you again to ChungYing Financial and there affiliates. It is my honor to recommend them."
"Darlene has helped me with all the financial planning for my family. I am so pleased with all the work she did for my family regarding RESP, RRSP, Life Insurance and so much more. I would definitely recommend Darlene because she is extremely patient and knowledgeable in all aspects of her job."
"I had Darlene Chung-Ying work on my mortgage and it was the best decision I made. Darlene worked and got the best mortgage for me, I was very happy and pleased with her. Darlene is hard working and honest. I would recommend her to anyone."
"I am very pleased with the effort and professionalism that was evident, from the beginning to the end of my mortgage refinance process, thank again Darlene for a job well done."
"Being a first time home buyer, there was a lot of stress & anxiety around the entire process. Darlene readily provided the needed support and walked me through all of the steps. I felt well informed and assured throughout the whole process. It was nice to have one less thing to worry about during my home purchase knowing that my mortgage was in good hands. "
"Darlene, thanks for being a reliable, thoughtful and competent advisor and broker.
Your innate ability to serve your customers with complete attention and incomparable expertise has helped my family prepare for life's unforeseen situations, make sound financial plans and strive to accomplish home ownership.
You are a true visionary and we are happy to have met you.
Thanks for treating my family like your own and for making our dreams your own.
"Darlene has helped us choose and open 2 RESP accounts for our kids.
She's very warm, knowledgeable and professional.
She's been able to answer all our questions and still monitors the investments.
We hope to have her as our mortgage broker soon. 5 star service."
"Our heart is overflowing with gratitude to have Darlene & her team work with us in refinancing our mortgage!! She inspired us in such a positive way. Her ideas are brilliant! We are so thankful to have her guide us with the refinance process to completion. She has made a positive impact on our lives."
"Darlene took the time to get to know me and my situation and was able to provide excellent, reliable advice.
I would recommend her to anyone unsure of how to best address their mortgage or other financial needs."
"Darlene is an excellent adviser! She took the time to to review all the options that best suited my needs. She was always there to answer any questions or concerns that I had. I would use her over and over again and I would gladly refer her to anyone who is in need of some financial advise."
"I was very impressed with Darlene's professionalism, her knowledge and more importantly her honesty. She has been an advisor, and educator, providing guidance regarding healthy and effective ways to manage my finances and how to achieve my desired outcome.
She took the time to get to know me, my risk tolerance and by doing so she was able to assist me in tailoring my portfolio to meet my needs. She is very hard working yet very flexible, kind, understanding and her calm demeanor helped me quickly establish a great relationship on which to build.
I would definitely recommend Darlene to my friends and colleagues and I have no doubt she will be an amazing support to them as well. Keep up the excellent work Darlene. Thank You."
"Darlene was super patient walking me through the various types of insurance available and answering a ton of questions throughout the process. She was not pushy at all and let me take my time and take the initiative which was greatly appreciated. She treated me like a person instead of a sale, which is refreshing. 10/10, would come back and recommend."
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We Are Certified Mortgage & Financial Experts
Get in contact today and see if we can help you with your Mortgage, Insurance, or Investments.
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