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.
Clear answers to your biggest mortgage questions — no pressure, no obligation. Pick the one that fits where you are.
See the home price, monthly payment, and cash to close you're really working with.
See how much monthly cash flow you could free up by refinancing or consolidating debt.
Before you sign, see what shopping your renewal could save — and the penalty trap to avoid.
See what you could really qualify for — often more than your tax return suggests.
See whether breaking your mortgage for a lower rate would actually pay off.
A private look at whether you can keep the home — or what you could afford fresh.
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.
I'm a licensed mortgage broker and Chartered Professional Accountant helping families across Ontario make confident decisions about their biggest investment.
Before I was a broker, I spent years as a CPA — sitting across from people as they navigated big financial moments. I kept seeing the same thing: a mortgage treated as just a rate, when really it's one of the most important pieces of someone's whole financial life. I wanted to do it differently.
So when we work together, I'm not here to sell you anything. I lay out your real options across 50+ lenders, explain the trade-offs in plain language, and help you choose what's genuinely right for you. I advise; you decide. Always.
That's the mindful part — taking the time to understand your goals, your numbers, and your life, so the mortgage actually fits. And I don't disappear after closing: I'm your person through every renewal, refinance, and change life brings.
If that's the kind of guidance you've been looking for, I'd love to meet you.
Book a free call with meFrom start to finish, they were incredibly helpful, knowledgeable, and patient in guiding us through out the entire process. Her in-depth videos and breakdowns are very helpful and informative so you are aware of every financial decision you are making.
Leigh was consistently responsive, approachable, and professional, always making time to answer questions promptly. Her down-to-earth approach and clear communication made a stressful process much easier.
Leigh was amazing throughout the entire process and her indepth knowledge is the sole reason I was able to get the approval for my mortgage. She was readily available any time I had questions and made the process so much easier than I expected it to be. I would recommend her to anyone looking to start this process.
Straight answers, no jargon — the things people most want to know before we talk.
Whether you're buying, renewing, or just weighing your options, a quick no-pressure conversation is the easiest place to start.
Free 15-minute call · no pressure, no obligation.