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Albert Lai

Albert Lai, B.Math, FRI, CRES, MVA, CLO

Mortgage Broker

Licence #: M08011058

CENTUM Monest Mortgage Inc.

Licence #: 12289

1008-250 Consumer Road

Toronto, ONM2J 4V6
Direct: 416-617-0982 Cell: 416-617-0982 Office Fax: 416-855-4563

Lowest Rates* in Canada

Welcome to my Mortgage Website

Albert Lai, B.Math, FRI, CRES, MVA, CLO welcomes you to my Centum Mortgage Website., we are a member of the Centum Financial Group Inc, it is one of the fastest growing and biggest mortgage brokerages in the country, with offices across Canada.

When the Banks say "NO", we say "YES"

When the Banks say "YES", we can do "BETTER"


When dealing with a bank you are only negotiating with one lender, and only for their limited lineup of products.

CENTUM deals with many lenders at a time, providing customers with a much wider selection of financing options from competing lenders in the market. Not every home, homeowner, or real estate deal is the same, and each lender has a different appetite for various types of mortgage loan business.

That's why Consumers, Realtors, Builders, Investors and Financial Institutions rely on CENTUM to shop the lender market and coordinate their best financing alternatives.

We complete a large volume of mortgage loan financing each year with many different financial institutions. Consequently we enjoy special status and receive multiple benefits such as lower interest rates and faster approvals. These benefits are passed on to you.

We are a full service Residential, Commercial and Industrial mortgage broker works closely with you and your lender as well as your real estate representative, lawyer and appraiser to insure that your purchase, refinance or renewal transaction proceeds smoothly.

FREE Mortgage Broker Services:

Albert Lai can provide you a FREE and No Obligation mortgage quotation that will get you the most competitive interest rates (cheaper than the Banks posted rates) and will offer you the widest choice of Residential, Commercial and Industrial mortgage options including: 

*** New Mortgage, Mortgage Refinancing, 1st Mortgage, 2nd Mortgage, 3rd Mortgage etc,

*** Bankruptcy, Challenged credit, Low Income or NO Income,

*** Cash back mortgages, Tax deductible mortgages, Zero down payment mortgages,

*** Variable and fixed rate mortgages,

*** Equity Loan Financing and Debt Consolidation,

*** Mortgages for Cottage, 

*** Mortgages for Rental and Investment properties,

*** Mortgages for the Self-Employed, No income verification,

*** Mortgages for New Immigrant, Refugee and Visitor,

*** Commercial Mortgages, Plaza, Industrial, Farm, Land, Church, Gas Station, Hotel, Motel, Apartment Buildings etc,

*** Construction and Renovation Mortgages,

*** Syndicated Mortgages/Investments,

*** Business Loans and Government Loans,

*** Mortgages all over Ontario and Canada,

*** Secured VISA,

*** Private lending and more ........

In addition, we regularly receive short-term rate promotions from different Lenders that are not posted on-line, please contact ALBERT LAI at 416-617-0982 for these unpublished rates specials.

Mortgage Broker Fees (FREE Service)
On standard, there is never a mortgage fee charged to arrange a residential mortgage through ALBERT LAI for qualified applications. Hence my professional mortgage broker service is FREE.

In difficult situations where clients do not meet standard mortgage approval guidelines there may be a fee charged, however my commitment is to quote up front, so that you can decide before we proceed.

Please feel free to call ALBERT LAI real estate mortgage hotline at 416-617-0982 or visit my website or for all your mortgages need.


Cantonese, English, Hakka, Mandarin