身為一個顧家的男人，我深知找到完美的家的重要性。這就是為什麼我要深入了解圭爾夫的社區，從市中心的歷史魅力到寧靜的郊區。帶您穿越這片多樣化的景觀對我來說不僅僅是一份工作；這是我真正的熱情。
為什麼 Wilson Li 是您的關鍵
房地產成功
本地市場專業知識
在圭爾夫生活的 13 年裡，我了解這裡的市場趨勢、社區、學校和便利設施，能夠精準找到符合您目標的機會。
從裝修到交易
憑藉建築背景，我可以提供有關房地產潛力的見解，使您的投資與您的願景保持一致。
追求卓越
我以勤勉和追求卓越的精神對待每一筆交易。無論您是買還是賣，您都可以相信我會不懈努力，為您爭取最好的結果。
客戶滿意度
我的首要任務始終是客戶滿意度。我努力超越期望並建立基於信任、誠信和專業的持久關係。我也會講粵語，確保與所有客戶能夠無縫溝通並理解。
個人化服務
您的需求是獨一無二的。從開始到結束，我提供量身定制的指導和支持，確保您獲得客製化的體驗。
最近的部落格文章
了解最新的房地產新聞和見解
Selling or Buying a Home During a Divorce A Supportive Real Estate Guide for Guelph Families
How to Get Pre-Approved for a Mortgage in Guelph If you're thinking about buying a home in Guelph, one of the smartest first steps you can take is getting pre-approved for a mortgage. It’s more than just a number — it’s a key to unlocking your home search with confidence, especially in a competitive market like Guelph’s. Here’s a step-by-step guide to help you get pre-approved and ready to shop for your new home. 1. Understand What Pre-Approval Really Means Getting pre-approved means a lender has reviewed your financial situation and is willing to lend you a certain amount of money for a home purchase. It’s not a guarantee of financing, but it’s a strong signal to sellers that you’re a serious, qualified buyer. A pre-approval will give you: A clear price range for your home search An estimate of your monthly payments Confidence when making an offer A competitive edge in a multiple-offer situation 2. Gather Your Financial Documents To get started, you’ll need to gather the following: Recent pay stubs (or proof of income if self-employed) Two years of T4s and/or tax returns Bank account statements A list of current debts and monthly payments Government-issued ID Having these documents ready can speed up the process significantly. 3. Check Your Credit Score In Canada, lenders typically want to see a credit score of at least 600–680 to qualify for a mortgage with a good interest rate. You can check your credit score for free through services like Equifax, TransUnion, or Borrowell. If your score is lower than expected, consider taking a few months to improve it before applying. 4. Connect With a Mortgage Professional In Guelph, you can choose between working with: A bank or credit union , which often offer bundled services and products if you’re already a customer. A mortgage broker , who can shop around with multiple lenders to find you the best rate and terms. A good local mortgage broker or advisor can guide you through the pre-approval process and help explain any terms you don’t understand. 5. Complete the Pre-Approval Application Once you've chosen your lender or broker, you’ll fill out a mortgage application. This includes details about your employment, income, assets, debts, and the kind of home you’re hoping to buy. Most applications can be done online and processed in just a couple of days. 6. Get Your Pre-Approval Letter If your application is approved, you’ll receive a pre-approval letter outlining: The amount you can borrow The interest rate (typically locked in for 90–120 days) Any conditions or next steps This letter is gold when you're ready to put in an offer — it shows sellers you’re prepared and qualified. 7. Stick to Your Budget Just because you’re approved for a certain amount doesn’t mean you should max it out. Work with your realtor to find a home that fits your budget and lifestyle comfortably — including extra costs like property taxes, home insurance, and utilities. Final Thoughts Getting pre-approved is one of the most important — and empowering — steps in your home buying journey. In a market like Guelph, where homes can sell fast and competition is strong, being prepared can make all the difference. Need help connecting with a trusted local mortgage broker or want to talk about your home search goals? I'm happy to help!
🕰️ Should You Wait to Buy a Home? What to Consider in Today’s Market It’s the question nearly every potential buyer is asking: "Should I wait to buy a home, or should I make a move now?" With interest rates still high, talk of a potential market shift, and affordability concerns top of mind, it’s no surprise that buyers are feeling cautious. But the right decision isn’t one-size-fits-all. Let’s break down what’s happening in the Guelph (and Ontario) housing market in mid-2025—and whether waiting is the smart move for you . 📉 Interest Rates: Still High… But for How Long? As of now, interest rates remain elevated compared to pre-2022 levels. But the Bank of Canada has signalled potential rate cuts by late 2025 or early 2026 , depending on inflation trends and economic growth. Waiting could mean: ✅ Lower monthly payments if rates drop ❌ More buyers re-entering the market = more competition and higher prices 🧠 Tip: Some buyers are using short-term fixed rates now, then planning to refinance once rates improve. 🏠 Prices Have Stabilized In many markets, including Guelph, home prices have cooled off from their early-2022 highs. While they’re not cheap, prices have levelled , and there’s more balance between buyers and sellers. Buying now could mean: ✅ Less competition ✅ More time to negotiate and include conditions ❌ A slightly higher monthly payment (but possibly a better price) If prices begin to climb again in 2026—as many experts expect— waiting could cost more in the long run , especially if rates don’t drop significantly. 📦 Inventory Is Higher, Giving You Options More listings are sitting longer, and buyers have more time to think. It’s a welcome change from the frantic pace of recent years. Today’s market lets you: Take time for inspections Include financing and sale-of-home conditions Avoid bidding wars in many segments 🏷️ In short: You’re buying in a calmer, more thoughtful environment right now. 💡 So… Should You Wait? Here’s how to decide: ✅ Buy Now If... You’ve secured a rate you can afford You’re tired of renting or want to build equity You’ve found a home that fits your lifestyle and budget You want to lock in a price before demand rises again ⏳ Wait If... Your job or income situation is uncertain You’re not emotionally or financially ready for the commitment You’re hoping to make a very competitive or cash-heavy offer in the near future You want to build your down payment a little more 🏁 Final Thoughts There’s no perfect time to buy—but there is a right time for you . The key is to weigh the pros and cons based on your personal goals, finances, and lifestyle. 📩 Still unsure? Let’s have a no-pressure conversation. I can walk you through what’s happening in the Guelph market right now, help you understand your buying power, and explore options that make sense—whether you’re ready today or next year.
作為首次購屋者，我和我的伴侶面臨著不確定性和陌生的領域。值得慶幸的是，威爾遜的專業知識和指導使得整個過程出奇的順利和輕鬆。儘管我們有局限性，威爾遜還是耐心地解釋了每個步驟，提供了清晰的指導和寶貴的建議。祂真誠地關心我們的需要和處境，並且始終把我們的最大利益放在第一位。我們非常感謝他的支持，並全心全意地向任何開始購房之旅的人推薦威爾遜。
馮安琪
我絕對會向任何在圭爾夫地區尋找房地產經紀人的人推薦威爾遜。作為首次購屋者，他指導我完成整個購屋流程，回答了我所有的問題，並且始終及時提供服務。下次我想買房或賣房時我會毫不猶豫地再找他。
內森·布朗
威爾遜是一位出色的房地產經紀人，在我們整個購房過程中，他竭盡全力提供卓越的服務。他的反應能力和專業精神非常出色，他周到的建議完全滿足我們的需要。 Wilson 能說流利的粵語和英語，這使得溝通變得順暢，並為我們的積極體驗做出了巨大貢獻。我們感到非常幸運，威爾遜能夠代表我們，他以極好的價格為我們買了第一套房子。我強烈向所有正在尋找新家的人推薦 Wilson。
李馬爾斯
準備好踏出下一步了嗎？我們來討論一下吧！
