Add your promotional text...
About Joel Laceda
Mortgage Agent Level 2 | Serving Ontario Homeowners
Built on real experience in financial markets, trading, and strategy.
Financial Strategy, Not Just Mortgages
Mortgagepaysyou.com was built on a simple idea:
Your mortgage should be part of a long-term financial strategy — not just a transaction.
Before becoming a mortgage agent, Joel Laceda built his career in financial markets, specializing in global interest rates, derivatives, and trading strategy.
He was Head of Trading at global macro hedge funds, where he played a key role in building and launching a hedge fund from the ground up — working across every part of the business, from infrastructure and setup to live trading and execution.
Experience Across Markets and Systems
Joel’s background spans institutional finance, trading, and global markets, including:
• Experience at TD Securities
• Head of Trading focused on global rates, derivatives, and equities
• Key role in building and launching a global macro hedge fund
This experience shapes how mortgage strategies are approached today — with a focus on:
• risk
• timing
• structure
• long-term cost efficiency
Why This Approach Exists
Most people treat a mortgage as a one-time decision.
But in reality:
Your home and mortgage can be used as a long-term financial tool.
This approach is built to help homeowners:
• reduce long-term housing costs
• structure their mortgage more strategically
• access and use equity more efficiently
• adapt to changing interest rate environments
The goal is not just to get a mortgage approved —
it’s to build a strategy that improves your financial position over time.
Most mortgages are transactions.
This is a strategy.
Making Housing Costs More Affordable
The up to $1,300 closing cost reward is part of that mission.
Rather than spending on traditional advertising, part of the lender commission is shared with clients to help reduce upfront costs.
Over time, clients can also earn rewards that help offset future housing expenses.
Outside of Work
Joel is also a father of three and enjoys:
• teaching tennis and golf
• playing classical piano
• playing chess and strategy games
• cooking
A strategic approach to mortgages — built on real experience in financial markets.
About MortgagePaysYou.com
Welcome to MortgagePaysYou.com
I'm Joel Laceda, and I'm happy to have you here.
As the founder of MortgagePaysYou.com, I've poured my expertise as a financial expert into revolutionizing the mortgage industry. With a background as a former Head of Trading who built and launched a hedge fund, I bring a wealth of experience in navigating complex global markets.
At MortgagePaysYou.com, our mission is simple: to empower homeowners like you to take control of your financial future. We understand the challenges and frustrations that come with managing mortgages, and we're here to provide innovative solutions tailored to your needs.
Our platform offers cutting-edge tools like the Referral Bank program, where you can earn rewards for referring friends and family. The Referral Bank allows us to utilize advanced strategies to help make home ownership more affordable.
Plus, our Mortgage Strategy Planner leverages my experience in global macro investing to guide you through even the most complicated market conditions, ensuring you always make informed decisions.
Join us on MortgagePaysYou.com and discover a new way to approach mortgages—one where your mortgage works for you, not the other way around.
Let's navigate the world of mortgages together, sharing along the way to unlock your financial potential so that you can discover how to make your mortgage work for you.
Warm regards,
Joel Laceda Mortgage Agent Level 2. BRX Mortgage Inc. FSRA #13463.
