For Financial Planners & Advisors

The mortgage is the biggest line in the plan. Let's get it right.

A mortgage chosen on rate alone can quietly work against the plan you've built. I structure it around cash flow, debt, and tax — and I never go near your clients' investments.

Become a referral partner See a tool your clients can use
CPA, CA & Licensed Mortgage Broker · Serving all of Ontario · I never touch investments

The right mortgage strengthens the plan. The wrong one undermines it.

Amortization, debt structure, and how home equity is used ripple through everything from monthly cash flow to retirement timing. When the mortgage is set with the whole plan in view, the rest of your advice works harder.

Where I help your clients

Cash flow the plan can use

Consolidating high-interest debt or restructuring the mortgage can free real monthly room for saving and investing — toward the goals you've set.

Tax-efficient borrowing

As a CPA, I structure debt with an eye to what's deductible and what isn't, in step with your strategy rather than cutting across it.

Sell, refinance, or hold

Optimal down payment, leverage, and refinance-versus-sell decisions modelled with real numbers — not guessed at.

Renewals & refinances, coordinated

I keep mortgage moves in step with the plan, so nothing happens in a vacuum or surprises you at renewal time.

A mortgage partner who stays in their lane.

I'm a CPA, CA and a licensed broker focused on one thing — the mortgage. I'll never sell an investment, never manage assets, and never give your client a reason to look elsewhere for advice that's yours to give.

✓
Your AUM is safe with me. I don't offer investments or financial planning — full stop. The client stays yours.
✓
I see the tax and cash-flow picture. The CPA lens means mortgage advice that actually fits a financial plan.
✓
I refer back. Clients who need real planning hear your name from me.

What working together looks like

→
Referrals both ways. You send clients facing a mortgage decision; I send mine who need a real financial plan around it.
→
You stay informed. With your client's consent, I keep you in the loop so mortgage moves and the plan stay aligned.
→
No cost, no pressure for your clients. My work is paid by the lender, not your client, and there's never any obligation from a first conversation.
→
Optional client education. I'm happy to co-host a session on debt, cash flow, and home equity within a financial plan.

Let's make the mortgage part of the plan.

A 15-minute intro call is the easiest place to start — no commitment, just a chance to see if we're a fit.

Become a referral partner See a client tool

Leigh Cho-Young, CPA, CA · Mortgage Broker M20003159 · BRX Mortgage FSRA #13463

I work alongside your client's financial planner and never provide investment or financial-planning advice. Figures depend on each client's full application, the lender, and current lending guidelines.

Best, Leigh — The Mindful Mortgage