I'm Leigh Cho-Young — a mortgage broker and CPA. I look at your whole financial picture, compare 50+ lenders, and build the strategy that fits your goals. Smart structure, strong rates, zero pressure.
No credit check, no commitment — just clear numbers to work from, whenever you're ready.
See what you can afford and what your payments would look like.
Find out what tapping your equity or lowering your rate could do.
Don't just sign the lender's offer — see what else is on the table.
How lenders really read business income — from a broker who's a CPA.
Weigh the penalty against the savings before you break your mortgage.
Every tool in one place, built for Ontario homeowners and buyers.
No pressure, no jargon, no surprises — just a clear path from "I'm wondering…" to "I'm confident."
Run a free calculator or book a call. No credit check, no commitment — just real numbers to work from.
I learn your goals and compare lenders to find what actually fits — explained in plain language, with the trade-offs laid out.
You choose with confidence. I manage the lender, the paperwork, and check in through every renewal after.
Most brokers find you a rate. I look at your whole financial picture — and make sure your mortgage fits the life around it.
I read the full financial picture — taxes, cash flow, goals — not just the rate. Your mortgage should work with your life, not against it.
A bank shows you one option. I shop dozens to find the right fit — and it costs you nothing, because the lender pays me, not you.
No pressure, ever. I give you the clear pros and cons in plain English. The decision is always yours to make.
I'm here through every renewal, refinance, and life change — long after closing day. That's the mindful part.
Whether you're buying, renewing, or just weighing your options, a quick no-pressure conversation is the easiest place to start.
