Licensed Mortgage Agent · Toronto & GTA
Practical mortgage guidance for Toronto, the GTA and Ontario
Bilingual residential, investment, commercial and private mortgage support — backed by licensed professional review and a clear, step-by-step process.
FSRA-licensed mortgage agent · Centum Monest Mortgage Inc.
Why work with Daniel
Bilingual, straight-talk service
Every step explained clearly in English or Chinese — no jargon, no surprises.
Multi-lender comparison
Access to banks, credit unions and private lenders to match your situation, not a single bank's menu.
Transparent & compliant
All advice reviewed under FSRA licensing requirements, with clear disclosure at every step.
Mortgage services
Tell us what you need — the enquiry routes straight to Daniel.
Not sure which applies? Select "General Inquiry" below and we'll sort it out together.
How it works
A straightforward process from first call to closing.
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Free assessment
Share your goals and numbers — Daniel reviews and calls back with an honest read on your options.
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Document & lender match
We collect what's needed and shortlist lenders suited to your profile and timeline.
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Approval & closing support
Daniel coordinates with your lender and lawyer through to closing day.
Mortgage payment calculator
Canadian semi-annual compounding — a quick estimate, not a quote.
Estimated monthly payment
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Estimate only, using Canadian semi-annual compounding. Not a quote, rate hold or commitment to lend. Actual payments depend on lender criteria and your verified application.
AI mortgage assistant
Have a quick question?
Chat with our AI assistant for general mortgage education while you wait — it can also pass a summary to Daniel for follow-up.
⚠️ General information only — not a mortgage approval, rate commitment or professional advice. A licensed agent reviews every enquiry.
Frequently asked questions
How much down payment do I need?
In Canada, minimum down payment generally starts at 5% for homes under $500,000, with higher percentages required as price increases. Your exact requirement depends on price, property type and lender criteria — Daniel can confirm your specific number.
Fixed or variable — which is right for me?
It depends on your risk tolerance, timeline and financial goals rather than a one-size-fits-all answer. Daniel walks through the trade-offs with you and current lender options before you decide.
How long does pre-approval take?
With complete documentation, pre-approval is often possible within a few business days, though timelines vary by lender and file complexity.
Can newcomers or self-employed applicants qualify?
Yes — newcomer and self-employed programs exist through various lenders, each with its own documentation requirements. Daniel can identify lenders suited to your situation.
What documents will I need?
Typically identification, proof of income (or business financials if self-employed), down payment confirmation, and details of the property. Daniel provides a checklist specific to your file once he understands your situation.
Request your mortgage assessment
Fill in a few details — Daniel will reach out directly.
Licensing information
- Mortgage Agent
- Daniel Chen · Mortgage Agent
- Licence #
- M26000976
- Brokerage
- Centum Monest Mortgage Inc.
- Licence #
- 12289
Mortgage products and rates are subject to lender criteria and approval. This site provides general information only and is not a commitment to lend.