Mortgage Strategy Built on Global Interest Rate Expertise
Reduce Your Mortgage Costs Not Just Your Rate
Manage your mortgage with the right strategy —
lock in up to $1,300 toward your closing costs
🔒 Lock it in now — before it’s reduced for new accounts
No obligation. Takes less than 30 seconds
Start with immediate value — then take it from there
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
ONGOING MORTGAGE MONITORING
Who's watching your mortgage?
We actively monitor your mortgage
and alert your when something changes that matters
🔗 See how the Mortgage Monitor works →
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)
For some clients, this is where additional savings come from:
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 savings by sharing it with others
Typical rewards: $200–$800 per referral
Use your rewards toward your mortgage costs over time
🔗 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
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
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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