Mortgage Strategy Backed by Global Interest Rate Expertise
🏠 Estimate Your Closing Costs & Mortgage Savings
Estimate your closing costs, available rebates, Closing Cost Rewards, and potential Recovery Goal in less than a minute.
👥 Know Someone Buying, Renewing, Or Refinancing?
They can use the same calculator to estimate their closing costs, discover available rebates and rewards, and lock in up to $1,300 toward future closing costs.
💡 For many clients, that's enough to cover most legal fees at closing.
Current Program
✓ Up to $1,300 toward closing costs
✓ Use it anytime within 5 years
⏳ Available until August 31, 2026
or until program capacity is reached
🧩 WHY THIS EXISTS
Mortgage-related costs can add up quickly.
This Mortgage Savings system was designed to help reduce mortgage-related costs through:
• closing cost rewards
• referral credits
• recovery rewards
• mortgage planning strategies
💡 Rewards are funded from lender commission and are not added to your mortgage.
⚙️ HOW IT WORKS
STEP 1 — SHARE 👥
Share this with friends, family, or anyone planning a mortgage.
• They can lock in their own $1,300 reward
STEP 2 — EARN 💰
When someone you referred completes their mortgage with us:
• Earn up to $200 in reward credits
💡 Funded from lender commission — not added to the mortgage
STEP 3 — SAVE 📈
Use rewards toward:
• closing costs
• lowering your rate
• mortgage-related expenses
THREE WAYS HOMEOWNERS REDUCE MORTGAGE COSTS
🏠 Reduce Closing Costs
📉 Reduce Borrowing Costs
🔄 Recover Mortgage-Related Costs
🏠 REDUCE CLOSING COSTS
Learn how some homeowners may reduce closing costs through:
• first-time buyer rebates
• RRSP Home Buyers' Plan (HBP)
• Closing Cost Rewards
• closing cost credits
📉 REDUCE BORROWING COSTS
Learn how some homeowners may reduce borrowing costs through:
• lender categories
• mortgage categories
• interest rate buydowns
• mortgage pricing strategies
🔄 RECOVER MORTGAGE-RELATED COSTS
Eligible mortgage clients may choose Recovery Rewards instead of standard reward credits.
💡 Recovery goals may include:
• closing costs
• land transfer tax
• lender fees
• mortgage penalties
• other eligible mortgage-related expenses
🏠 Example Based on a $500K Purchase in Toronto
• $12,950 paid in land transfer tax
🎯 Recovery Goal: $12,950
💰 Earn up to $500 cash per referred mortgage completed with us.
💡 Recovery Rewards are available throughout your current mortgage term or until your recovery goal is reached, whichever occurs first.
For some clients, this may allow a substantial portion — or even all — of their eligible recovery goal to be recovered over time.
🔒 Ready To Lock In Your Closing Cost Reward?
• Up to $1,300 toward closing costs
• Use anytime within 5 years
No obligation • No documents required
Takes less than 30 seconds
Joel Laceda Mortgage Agent Level 2
BRX Mortgage Inc. FSRA #13463