First-time buyer
As little as 5% down, FHSA and RRSP Home Buyers' Plan strategies, and land transfer tax rebates mapped out before you shop.
Mortgage Agent Level 2 · M21003223
Mortgage solutions
built around your budget.
I'm Vince Nguyen, a Mortgage Agent Level 2 in Mississauga working with buyers, homeowners and investors across the GTA and Ontario. I work for you, not the bank, comparing 60+ lenders to build the mortgage that best fits you and your future.
- 60+
- Lender partners
- 24 hr
- Application turnaround
- $0
- Cost to you on most deals
Mortgage solutions
Know what you're signing before you sign it
Rate is only one line of the contract. Prepayment privileges, penalty calculations, portability and amortization decide what a mortgage really costs you.
Fixed vs. variable
Fixed locks your rate for the term. Variable moves with prime and often carries a cheaper penalty. We model both against your risk tolerance.
Renewal & switch
Over 92% of Canadians sign the first renewal offer they receive. Shopping 90 days out could save thousands over the term.
Refinance & equity
Consolidate high-interest debt, fund a renovation, or buy the next property using up to 80% of your home's value.
Self-employed
Business-for-self programs that read your real income - notice of assessments, T1 Generals, stated income and alt-A lenders.
Investment property
Rental income and add-back qualification, 20% down structures, and portfolio planning for your second through fifth investment.
Work with Vincent
Vincent Nguyen, Mortgage Architects
Mortgage Agent Level 2 helping clients across Mississauga, the GTA and Ontario.
Start my applicationmortgage@fundedbyvince.caPre-approval calculator
Do you know how much you can borrow?
Enter your income, debts and down payment. The calculator applies the same GDS/TDS ratios and stress test your lender will.
Estimated maximum home price
$486,978
Qualified at the 6.59% stress-test rate
- Maximum mortgage
- $426,978
- Estimated payment
- $2,385 / mo
- Down payment
- $60,000 (12.3%)
Estimate only, using 39% GDS / 44% TDS and $550/mo for taxes and heat. Default insurance premiums and lender guidelines may change your result. A full review with Vince confirms your real number.
Purchase calculator
What will this home cost you monthly?
Enter a purchase price, your down payment percentage, contract rate and amortization. The down payment amount, mortgage amount and estimated payment update instantly.
Estimated mortgage payment
$4,468 / mo
4.59% contract rate, 25-year amortization, semi-annual compounding
- Purchase price
- $1,000,000
- Down payment
- 20.00%
- Down payment amount
- $200,000
- Mortgage amount
- $800,000
- Contract rate
- 4.59%
- Amortization
- 25 years
Estimate only. Payment excludes property tax, heat, condo fees and any default insurance premium that applies below a 20% down payment. Your lender's terms, payment frequency and compounding confirm the real number.
Let's work together
From first call to keys in hand - a relationship built on your numbers.
The application process
Five steps, from start to approved
- 1
Connect with me
Start with the quick online application, then we’ll have a quick phone call to go over your goals, timeline and next steps.
- 2
Documents
Review your income, debts and down payment - stored securely in one batch.
- 3
Submit application
A rate hold up to 120 days and a firm budget you can shop with confidently.
- 4
Conditions of approval
Commitment signed, appraisal and conditions cleared weeks before closing.
- 5
Funding day
Lawyer signs, keys land in your hand, and we stay connected for renewal and annual reviews.
Mortgage refinance calculator
What will your payment be?
Enter your mortgage amount, interest rate and amortization period. The calculator uses standard Canadian semi-annual compounding - the same convention FSRA-regulated lenders apply - and updates instantly as you change any input.
Work with Vincent
Vincent Nguyen, Mortgage Architects
Mortgage Agent Level 2 helping clients across Mississauga, the GTA and Ontario.
Start my applicationmortgage@fundedbyvince.caEstimated monthly payment
$2,234 / mo
Calculated at 4.590% with semi-annual compounding (Canadian convention)
- Mortgage amount
- $400,000
Estimate only, based on monthly payments and the Canadian semi-annual compounding standard used by FSRA-regulated lenders. Your actual payment may differ with lender fees, insurance premiums, or a different payment frequency. A full review with Vince confirms your real number.
Mortgage prepayment calculator
How many years can you save?
See what an annual lump sum or a bigger regular payment does to your payoff date and your lifetime interest. Results update as you change any input.
Years saved
5 years 2 mo
With a $5,000 lump sum each year
- Current mortgage payment
- $2,792 / mo
- New mortgage payment
- $2,792 / mo
- Original amortization
- 25 years
- Payoff without prepayments
- 25 years 1 mo
- New estimated payoff
- 19 years 11 mo
- Estimated interest saved
- $77,195
Estimates only, at 4.59% with Canadian semi-annual compounding and monthly payments. Your actual result depends on your lender's prepayment privileges and penalties, payment frequency, renewal rates and the timing of each prepayment.
Free live webinars
Learn the rules before you play the game
I run free live sessions where I share my screen, walk through real numbers and answer every question in the chat. No pitch, no pressure - bring a notepad.
Save my seatFirst-Time Buyer Bootcamp
Down payment sources, the stress test, closing costs and what lenders actually check. 45 minutes plus live Q&A.
Renewal & Refinance Clinic
Rate outlook, penalty math on breaking early, and how to consolidate debt without wrecking your amortization.
Mortgage Protection Plan
A session to discuss mortgage protection products - life, disability, and critical illness coverage that keeps your home and family secure if the unexpected happens.
Full mortgage application
Apply in about five minutes
Income, debt and down payment are the three numbers every lender starts with. Give me those and I'll come back with real options within one business day.
About Vince
Straight answers, efficient files
More lenders. More options. More ways to get approved. With Level 2 licensing and access to banks, credit unions and alternative lenders, I can help find the right mortgage - even with bruised credit or self-employed income. Backed by Mortgage Architects, you get big-bank resources with personal, 1 on 1 service.
