About Me

Albert Lai

Mortgage Broker
Licence #: M08011058
Direct: 4166170982
Mobile: 4166170982


Welcome  to  Albert Lai

Best Lowest Mortgage Rates Website

                    Albert Lai Rolls Royce Silver Spur III


ALBERT LAIBMath, FRI, CRES, MVA, RRS, CLO, Mortgage Broker  Welcomes you to my Best Lowest Centum Mortgage Rates 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 thru out Ontario 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 thru out Ontario and Canada 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 in Ontario 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.

© Copyright Albert Lai 2013. All rights reserved.

Please feel free to call ALBERT LAI real estate mortgage hotline at 416-617-0982 for the Best Lowest Mortgage Rates or visit my website  www.AlbertLai.ca   or   www.centum.ca/Albert_Lai   for all your mortgages need thru out Ontario and Canada.

                      Albert Lai Rolls Royce Silver Spur III                              


Languages Spoken: English, Chinese

Lowest Rates* in Canada

Lowest Rates* in Canada
Term Our Rate Bank Rate
3 Year Fixed 2.79% 3.49%
5 Year Variable 2.95% 3.00%
5 Year Fixed 2.79% 3.20%
21 Feb 2020

Updated: August 01, 2017

Rates may vary between geographic regions and the posted rates on this website may not be available in your area. Please contact your local CENTUM office for more details.

Take action