Expert mortgage guidance for first-time buyers, refinancing, transfers and investment properties. Trilingual service — English, French & Mandarin.
Major banks, monoline lenders, alternative lenders, private lenders & credit unions — I shop them all for you.
Through Orbis USA and our Swyft platform, I connect Canadian clients with specialized US mortgage products — vacation homes, investment properties, and relocations.
We review your situation in 30 minutes — income, goals, credit, and timeline. No paperwork yet, no obligation. Just clarity on what's possible.
I shop 100+ lenders, run the stress test, and secure your pre-approval. You'll know exactly how much you qualify for and at what rate, before you make an offer.
I coordinate with your lawyer, real estate agent, and lender to make closing smooth. You show up, sign, and get the keys.
Navigate your first purchase with confidence. I guide you through pre-approval, stress test, CMHC insurance, and closing — step by step, in plain language.
Learn More →Access your home equity, lower your rate, or consolidate debt. I shop 100+ lenders to find the best refinance terms for your situation.
Learn More →Switching lenders at renewal can save you thousands. I compare offers and handle the transfer so you get the best rate without the headache.
Learn More →Build your investment portfolio with the right financing. From duplexes to multi-unit buildings, I structure rental property loans to maximize your returns.
Learn More →Every situation is different. Here's the full range of mortgage solutions I can structure for you.
Whether you're buying a condo, a house, or a multi-unit property, I'll find the best rate and structure your mortgage for your goals. I handle first-time buyers to experienced investors.
Get Started →Don't just sign what your bank sends you. At renewal, you have the power to negotiate or switch lenders. I shop the market and make sure you're getting the best deal available.
Get Started →Access your home equity to pay off high-interest debt, fund renovations, or consolidate multiple payments into one. I'll show you the break-even calculation upfront.
Get Started →Newcomers face unique challenges — limited credit history, foreign income documentation, and unfamiliar processes. I work with lenders that have specific programs designed for new Canadians.
Get Started →From duplexes to 6-unit buildings, I structure rental property financing to maximize your cash flow. Rental income calculations, CMHC rental programs, and portfolio strategies — all covered.
Get Started →Self-employed borrowers often have complex income. I work with lenders who understand business owners — using gross revenue, stated income, or alternative documentation to qualify you.
Get Started →Switching lenders at renewal costs nothing and can save you thousands over your term. I handle all the paperwork and make the transition seamless.
Get Started →Finance your home renovation at mortgage rates — far cheaper than personal loans or credit cards. Kitchen, addition, or full gut renovation — I'll structure the financing that works.
Get Started →Buying a cottage, chalet, or second property? Different rules apply — down payment requirements, property type restrictions, and rental income treatment. I know the product landscape.
Get Started →Not everyone fits the A-lender box — and that's okay. Credit issues, non-traditional income, or a complex property? I have access to B-lenders and alternative programs that can still get you home.
Get Started →Commercial mortgages, construction financing, and builder loans require specialized knowledge. I connect you with lenders who understand project timelines, draws, and new construction requirements.
Get Started →
I'm Genie Ouyang, a licensed mortgage broker at Orbis Mortgage Group in Montreal. I help clients across Canada, the US, and Mexico find the right mortgage — whether they're buying their first home, refinancing an existing one, or building an investment portfolio. Trilingual in English, French, and Mandarin, I work with clients from all backgrounds and make sure every step of the process is clear.
Banks have one agenda. I have one client. I work for you — comparing dozens of lenders to find the rate and terms that fit your life, not their quotas.
Banks, credit unions, trust companies, and private lenders — I shop them all so you don't have to.
English, French & Mandarin. No communication barriers, no misunderstandings on the most important transaction of your life.
My services are typically free to borrowers. Lenders pay me when your mortgage closes — your interests come first.
Get instant answers to mortgage questions anytime. The chat widget below is available around the clock.
Genie made buying our first home so much less stressful than I expected. She explained every step in plain language, found us a rate our bank couldn't come close to, and was always reachable. We closed on time without a single hiccup.
As a self-employed borrower, I'd been turned down by two banks before reaching out to Genie. She found a lender who understood my income structure and got me approved within a week. Trilingual service was a huge plus for my family.
I was renewing my mortgage and almost just signed what my bank sent me. Genie reviewed it and found me a significantly lower rate with another lender. The switch was completely seamless — she handled everything.
Estimate your monthly payment, see the full amortization schedule, and check if you qualify under the federal stress test.
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Estimates only. Actual payments depend on your lender, term, and qualifying conditions. Contact me for a personalized pre-approval.
Get Pre-ApprovedI work closely with real estate professionals, financial advisors, and developers. When you refer clients to me, I make sure they're taken care of — and I return the favour.
Your clients get fast pre-approvals and reliable closings. I communicate proactively so you're never left wondering about financing status.
Mortgage strategy is part of your clients' overall wealth plan. I provide the mortgage expertise so you can focus on investments and planning.
Help your buyers secure financing before they walk into your project. I offer pre-approval sessions for pre-sales and new construction projects.
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