Company Profile
Golden Top Financial Services is a non-bank financial institution specializing in providing mortgage solutions for homeowners.
Over the past eleven years of rapid growth, supported by strong capital capabilities and a “people-oriented, client-first” philosophy, we have become a trusted financial brand for residents across Greater Vancouver—particularly within the overseas Chinese community.
At Golden Top, you can rest assured that whether you are self-employed, have limited credit history, or report lower taxable income, you will always find fast and flexible financing solutions tailored to your needs. We are committed to helping clients overcome cash-flow challenges and bringing endless possibilities to your homeownership, investments, and everyday life.
Golden Top currently offers seven major lending products , forming a comprehensive and diversified product line. Through more than a decade of industry experience, we have built robust professional risk-management expertise. The strengths of our products can be summarized in four words: variety, speed, service, and savings .
Variety
We provide seven product categories:
• Residential Mortgages
• Land Loans
• Construction Loans
• Bridge Financing
• Home Purchase Credit Loans
• Business Working-Capital Loans
• Pre-sale (Assignment) Financing
No matter the challenges you face or the goals you pursue, Golden Top strives to ensure that there is always a product that fits your needs.
Service
Exceptional service is our standard. This includes personalized solutions and service that goes beyond expectations.
Many newcomers or overseas Chinese clients may not have local income statements, tax filings, or access to title insurance—requirements that often lead other institutions to decline an application outright. Golden Top conducts on-site due diligence and remains committed to solving the urgent financing needs of the Chinese community in Vancouver.
Today, we proudly maintain the highest level of client satisfaction and collaborate successfully with more than 30 mortgage brokers, with both partnership scale and quality ranking among the very best in the market.
Savings
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Speed
Our approval and funding times are among the fastest in the industry. Our record from application to disbursement is 24 hours, with funds arriving directly in the client's account.