Let’s Talk
Ready to find the right mortgage for your story? Reach out in English or Mandarin — every message comes straight to me, and you’ll hear back the same business day.
After you hit send
Here's exactly what happens next.
No auto-responder, no call centre, no handing you off to a junior. Your message comes straight to me.
01
I read it myself — same business day
Every message lands with me directly, not in a shared lead pool. If you wrote to me in 中文, I'll answer you in 中文.
02
A short, no-pressure call
About 15 minutes to understand what you're trying to do. Nothing to sign, no documents needed to start, and no credit check.
03
You get a straight answer
What you're likely to qualify for, roughly what it would cost, and — if the answer today is “not yet” — exactly what to fix first.
Sent on a weekend or a holiday? You'll hear back on the next business day. If your file is time-sensitive — an offer deadline or a rate hold running out — call or text instead and say so.
Rather not use a form?
Call, text, or email — whatever's easiest.
All three reach me, not an office. Pick whichever fits how you like to talk.
Call
647.707.6568
Best for anything time-sensitive — a closing date, a competing offer, a rate hold about to expire.
Text
647.707.6568
Quick question and don't want a whole conversation? Text it. I answer between appointments.
andy@westernbay.ca
Best if you'd rather lay out the details in writing, or send documents up front.
Who you're talking to
Licensed, regulated, and accountable.
You're not sending this into a marketplace. It goes to one named, licensed broker who handles your file start to finish.
Licensed Mortgage Broker
Andy Jia, Mortgage Broker · The Mortgage Alliance Company of Canada Inc. · Brokerage Lic. #10530
50+ lenders, one application
Banks, credit unions, monolines and alternative lenders — not one institution's product shelf.
中文 · English
Every call, document walk-through and lender conversation, in the language you're comfortable in.
In lending since 2015
Ten-plus years across CIBC and Mortgage Alliance. Master Club recipient, 2020–2024.
FINTRAC-registered MSB
Reg. C100001087 — currency exchange and international transfers handled in-house, not outsourced.
One point of contact
The person you speak with today is the person who takes your file to the lender and to closing.
Before you reach out
Three things people ask first.
Will contacting you affect my credit?
No. A conversation is not an application. Nothing is pulled and nothing is submitted to any lender until you tell me to go ahead.
Do I need my documents ready?
No. We start with a conversation. Paperwork comes later, and I'll give you a short, specific list — not a generic checklist.
What if I'm just exploring?
That's the best time to call. Knowing your real numbers months ahead is what lets you move quickly and confidently when it counts.
Andy Jia · Mortgage Broker · The Mortgage Alliance Company of Canada Inc. · Brokerage Lic. #10530