Stephen Li, CFA MBA P.Eng. - The Mortgage Engineer
Engineer Your Mortgage Needs
As a former investment banker with 3 decades of experience, I am helping retail clients build wealth with mortgage loans
Latest Deals
*Exceptional mortgage offers for property value below $1M
LTV <65%, owner occupied
*No T1/T4? No problem! Special program for Business for Self (BFS) and cash earners
100% approved with FICO 680+
Mortgage rate starting from 4.99%
HELOC from 7.49%
Big 6 Chartered Banks
Extended ratio to 50% TDS
Our internal appraisers are accepted!
HELOC: Prime + 0%
We beat your renewal offers
$200 additional cashback for each offer-beating deal
the above rates are subject to change
Next BOC interest rate announcement: Sep 17, 2025
current prime rate: 4.95% - latest forecast: 87% hold
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General Mortgage Services
Residential Mortgage & HELOC
Residential Mortgage & HELOC
Residential Mortgage & HELOC
Commercial Mortgage
Residential Mortgage & HELOC
Residential Mortgage & HELOC
Reverse Mortgage
Residential Mortgage & HELOC
Private Mortgage Investment
Private Mortgage Investment
Secondary Suite Loan/Refinancing
Private Mortgage Investment
Secondary Suite Loan/Refinancing
Secondary Suite Loan/Refinancing
Secondary Suite Loan/Refinancing
see Services page for details
Secondary Suite Loan/Refinancing
Secondary Suite Loan/Refinancing
Mortgage Engineering Services
Mortgage engineering serves two purposes:
1) Make interest on principal home's mortgage tax-deductible
2) Build wealth faster by reducing interest rate drastically and turn mortgage loans into an investment
Online Mortgage Application
Contact Me
Better yet, free consultation!
Feel free to inquire about mortgage or investment related questions. Strategic realtors are welcome to form partnerships.
Stephen C. Li, CFA MBA P.Eng.
Unit 8, 175 West Beaver Creek Road, Richmond Hill, Ontario L4B 3M1, Canada
Whatsapp/Tel: (416) 841-6068 WeChat ID: senna2000 Email: Stephen.Li@CaliberMortgage.ca Mortgage Agent Lv 1 License # M24001943 Caliber Mortgage Inc. under FSRA #13368 | Powered by Dominion Lending Centres
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