Your First Home in Richmond, Done Right.
Buying your first home in Richmond BC? Jensen Tam walks you through FTHB incentives, CMHC insurance, down payment tiers, and the stress test. BCFSA licensed.
Mortgage Services
Blue Sky arranges mortgages with more than one lender rather than selling a single bank's product. These are the situations we handle most.
Services in Richmond & the Lower Mainland
Your Home Has Equity. Here's How to Use It Wisely.
Access equity, consolidate debt, or fund renovations with a mortgage refinance in Richmond BC. Clear penalty math upfront. BCFSA licensed mortgage brokers.
Your Bank's Renewal Letter Is Not Your Best Option.
Don't sign the bank's renewal letter. Jensen Tam re-shops your Richmond BC mortgage rate at renewal with no cost to you. BCFSA licensed mortgage brokers.
The Bank Looked at Your NOA and Said No. We Don't Stop There.
Self-employed in Richmond BC and struggling to get approved? Jensen Tam knows the BFS and stated income programs that banks ignore. BCFSA licensed.
You've Arrived. Let's Help You Buy.
Newcomer to Canada looking to buy in Richmond BC? We know the mortgage programs for permanent residents and non-residents with limited Canadian credit history. BCFSA licensed.
Commercial Financing for Richmond's Industrial, Multi-Family, and Mixed-Use Market.
Commercial mortgage financing in Richmond BC — mixed-use, industrial, multi-family, and investment property. Jensen Tam understand the YVR corridor market. BCFSA licensed.
When Speed and Flexibility Matter More Than Rate.
Need a private mortgage in Richmond BC? Bridge financing and short-term private lending for situations that need speed over rate. Honest about costs. BCFSA licensed.
Credit Challenges Don't Have to Mean No Mortgage.
Bad credit or alternative mortgage options in Richmond BC. B-lender programs, credit rebuild pathways, and judgment-free advice. BCFSA licensed mortgage brokers.
Flexible Access to Your Equity. Without Breaking Your Mortgage.
A HELOC lets you access your Richmond home's equity flexibly without breaking your mortgage. Jensen Tam explains readvanceable mortgages, LTV limits, and common uses. BCFSA licensed.
Buying a Richmond Condo? The Strata Docs Matter as Much as Your Credit.
Buying a condo in Richmond BC? Strata document review, contingency reserve requirements, leasehold considerations — Jensen Tam knows the Richmond condo market. BCFSA licensed.
Know Exactly Where You Stand Before You Start Looking.
Get mortgage pre-approved in Richmond BC with a free 15-minute call. Jensen Tam explains what pre-approval actually locks in, rate holds, and documents needed. BCFSA licensed.
Current Mortgage Rates for Richmond BC.
Current mortgage rates for Richmond BC — fixed vs. variable, 1 to 5 year terms. Updated regularly. Jensen Tam shops 50+ lenders for the best rate available. BCFSA licensed.
Guides by mortgage type
Talk it through with a broker
Jensen Tam will look at your situation and tell you what is realistic — no cost, no obligation.