Mortgage Strategy Built on Global Interest Rate Expertise
Reduce Your Mortgage Costs —
Without Guesswork
Smarter mortgage strategies for buying, renewing or refinancing
Built on experience managing interest rates and risk
at a global macro hedge fund
Lock in up to $1,300 toward your closing costs
For buying, renewing, or refinancing your mortgage
Secure it now — decide later if you want to use it
Currently offers up to 5 years to use. Future rewards may be lower.
No obligation — not a mortgage application — takes about 30 seconds
What are you looking to do with your mortgage?
Buying a home
Renewing your mortgage
Refinancing or accessing equity
🔗 Explore Refinance Options →
Licensed Mortgage Agent Level 2 in Ontario
Access to 59+ lenders — including banks, credit unions, and alternative lenders
Focused on reducing your total mortgage cost — not just your rate
Real Results
Most savings don’t come from the rate —
they come from how your mortgage is structured
Lower Payments at Renewal
• ~$1,400/month payment reduction
Access Equity at Renewal
• ~$935/month payment reduction
Pay Off Faster
• Mortgage-free 10 years sooner
Self-Employed Approval
• Increased buying power by over $900,000+
Results vary based on structure, timing, and market conditions
EXPLORE YOUR OPTIONS
Explore based on your situation
Want to reduce mortgage costs over time?
Have complex income or self-employment?
🔗 Explore Structured Strategy→
Have significant equity or a paid-off home?
Lock in your $1,300 closing cost reward
No obligation — not a mortgage application — takes about 30 seconds
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
Joel Laceda Mortgage Agent Level 2
BRX Mortgage Inc. FSRA #13463