Reduce Your Mortgage Costs — Not Just Your Rate

Licensed Mortgage Agent Level 2 | Serving Ontario Homeowners

Access to 59+ lenders — banks, credit unions, and alternative lenders

Experience managing interest rates at a global macro hedge fund — now applied to mortgage strategy

👉 Focused on reducing total mortgage cost — not just finding the lowest rate

Start With Immediate Value

Here’s where most people start:

Lock in up to $1,300 toward your closing costs

Often covering a large portion of those costs

✔ No cost — nothing added to your mortgage

✔ Use it anytime within 5 years

✔ Lock it in now and decide later

👉 Funded from the same commission — not added to your mortgage

A Smarter Way to Reduce Mortgage Costs

1. Your mortgage strategy
Built around your long-term financial goals — not just today’s rate

2. Structure the right mortgage
Using options from 59+ lenders

3. Lock in your closing cost reward
Up to $1,300 available when you need it

4. Adjust over time
As rates and your situation change

👉 Some clients choose to go further — reducing costs even more over time

Real Mortgage Strategy Examples

Here’s what that can look like in practice:

$119,958 — Projected Interest Savings (Toronto)

• Paid off in 6 years 10 months vs 30 years
• Improved cash flow and overall strategy

$19,000 — Cost Saved Over 3 Years (Ontario)

• Structured correctly across 40+ lenders
• Lowered rate + reduced upfront costs

Accessed Equity Without Losing Low Rate — Etobicoke

• Avoided refinance penalties
• Preserved better rate structure

Results vary based on mortgage size, strategy, and market conditions

🔗 See Real Mortgage Examples → (Case Studies Page)

🔍 ONGOING MORTGAGE MONITORING

Who’s watching your mortgage?

We actively monitor your mortgage
and alert you when something changes that matters

👉 We’ll explain what it means — and what to do

🔗 See how the Mortgage Monitor works →

A Structured Way to Reduce Mortgage Costs Over Time

Most people start by locking in the $1,300 closing cost reward

👉 Lock in the $1,300 for yourself —

earn additional rewards if you decide to share it

Typical rewards: $200–$800 per referral

Over time, these rewards can add up toward meaningful mortgage costs

🔗 See How the Rewards System Works → (Bridge Page)

A simple breakdown — no sign-up required

Why This Works

Most mortgages are set based on rate

But how your mortgage is structured can have a bigger impact over time

This is built differently:

• Strategy first — not just rate comparison

• Access to 59+ lenders

• Ongoing monitoring as rates change

• Structured around how money actually works

Built on experience managing interest rates and risk

ADVANCED MORTGAGE STRATEGY

For More Complex Mortgage Situations

Own multiple properties?

Self-employed or run a business?

👉 In these cases, how your mortgage is structured — including timing, lender policies, and tax considerations — has a far greater impact on your total cost than the rate itself

🔗 Explore advanced mortgage strategies →

No Cost to You — How This Works

In most cases, the lender pays the brokerage directly

The $1,300 closing cost reward comes from that commission — not added to your mortgage

✔ No added fees

✔ No increase to your mortgage rate

✔ Nothing paid upfront

Know someone buying, renewing, or refinancing?

They can lock in up to $1,300 toward their closing costs

[ Copy Link ] [ WhatsApp ] [ Email ]

Lock In Up to $1,300 Toward Your Closing Costs

🔒 Lock it in now — before it’s reduced for new accounts

Use it anytime within the next 5 years

No obligation. Takes less than 30 seconds

Transparency & Licensing

MortgagePaysYou.com is operated by Joel Laceda, Mortgage Agent Level 2 with BRX Mortgage Inc. (FSRA #13463)

✔ Licensed mortgage agent serving Ontario homeowners
✔ Access to 59+ lenders — banks, credit unions, and alternative lenders

MortgagePaysYou.com is a client education and rewards website and does not provide direct lending services