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Mike Luo

Mike Luo

Mortgage Agent

CENTUM Pacific Mortgages Inc.

421 Pacific Street

Vancouver, BCV6Z 2P5
Direct: 778-887-9086 Cell: 778-887-9086 Office Fax: 604-687-1677

Lowest Rates* in Canada


English, Chinese, Cantonese, Mandarin

Welcome to my Website

 Hi, my name is Mike Luo. As a licensed professional mortgage broker, I am pleased to welcome you and provide you with best advice for your mortgage and financing needs. 


My focus is to help you finance your real estate purchases. As a real estate investor and a mortgage professional myself, I understand the importance of going through multiple lenders, negotiating the best rate and finding the right term for you. 
With wide range of options and features available today, it takes significant amount of time and effort to research and to screen through the mortgage products. My goal is to make your mortgage process as smooth as possible while reviewing all your available options and finding you the best possible solution.
If you already have a mortgage offer from a bank or lender, I can provide you an obligation-free second opinion on your existing offer and see if I can find you a better rate.
Whether you are looking for pre-approval, purchase, renew, or buying for investment purposes, I am committed to find you the best mortgage at the best rate.
Look forward to talk to you soon,
Mike Luo

At CENTUM, we're always looking out for your best interest.™

Try out the mortgage calculator below, and give me a call.

Professional Interests

Mortgage Financing

Private Mortgage Lending

Personal Finance and Budgeting

Real Estate Investing in Single Family, Multi-Family, Fix & Flip, Development, Rent to Own, Foreclosure

Public Speaking (Toastmasters) and Speaker on Real Estate Workshops


Professional Background

My first full-time position was working in a business-to-business seafood distributing company, managing orders and sales from local restaurants to national chain supermarkets. I developed tremedously in how to follow up in a timely manner, and follow through to deliver what the client truly needs. 
On the side, my curiosity in finance led me to a financial firm and there I educated families to become debt free and financially independent. This is where I first get to learn how money works, how interest rate affect savings and borrowing.
Moving on, I became a service technician at  a Cable company. I enjoyed solving customer problems and put a smile on their face :). And this position taught me a lot on being accountable, and providing excellent customer service.
During one of my encounters, I was fortunately to stumble upon a private real estate and business mentor-ship program, thus launched my real estate investing career in 2009.


Keen on learning about business and finance, I studied Economics in University of British Columbia and Marketing in BCIT. However, for me, education did no stop when school ended. I continued to acquire new skills and knowledge through social interactions, mastermind groups, seminars, reading, and mentoring. 

Personal Background

I was born in Guangzhou China. In 2001, my family moved to Vancouver, Canada. It is here in Canada that I grew up, and met a bunch of great people!

Personal Interests

On a sunny day, I like to go hiking, walking in the park, biking in the beautiful Stanley Park or just lie down on the grass and enjoy the gorgeous sun shine.
I'm also activate in sports and activities, I organize friends to go horse-back riding, water rafting, badminton, barbecue, boating and many more!