Stephen Li, CFA MBA P.Eng. - The Mortgage Engineer
Engineer Your Mortgage Needs
With 3 decades of corporate experience, I am helping retail clients with strategic mortgage solutions
Latest Deals
*Limited time offer for appraised property value below $1M
Prime Lender: 5Y Variable P-0.9 (conditions: LTV <65%, owner occupied)
absolutely no brokerage fee
Big 6 Chartered Banks
Extended ratio to 50% GDS and TDS
Our internal appraisals are accepted!
HELOC: Prime + 0.15%
No T1/T4/T4A? Special program for Business for Self (BFS) and cash earners
100% approval with FICO 680+
Special program for Bruised Credit
even with FICO <580
We help you rebuild your credit rating and return to Prime Lenders in a year or two
We beat your renewal offers
$200 additional cashback on each offer-beating deal
the above rates are subject to change
Next BOC rate announcement: Jun 10, 2026
current prime rate: 4.45% - latest forecast: 89% status quo
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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 tool
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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