For Licensed Insolvency Trustees

"Will I ever own a home again?" I'm the answer you can hand them.

After a proposal or bankruptcy, your clients need a clear path back to credit and homeownership. I give them that roadmap — coordinated with you, and never undercutting the work you've done.

Become a referral partner See a tool your clients can use
CPA, CA & Licensed Mortgage Broker · Serving all of Ontario · Suitability-first, no cost to clients

The proposal is the fresh start. The mortgage is the road back.

Your clients leave your office with relief — and a question you can't fully answer for them: what happens to my home, and when can I borrow again? Handing them a knowledgeable, patient mortgage partner closes that loop without adding to their stress.

Where I help your clients

A clear rebuild roadmap

Exactly what to do, and in what order, to move from an R7 toward mortgage-ready — explained in plain, calm language.

Exit-strategy refinance, when it fits

For homeowners with equity, using it to pay out a proposal early can rebuild credit faster — but only when it's genuinely in their interest, and I'll say so honestly.

The path back post-discharge

The lenders, timelines, and down-payment realities that get someone into a home again after insolvency.

Honest, suitable advice

As a CPA, I won't steer anyone into an unsuitable or high-cost private deal just to force a result.

A partner who complements your work — never competes with it.

I'm here for the "what's next," not as an alternative to the proposal you've recommended. My role starts where yours leaves off: helping your client rebuild and, in time, borrow again.

✓
I support your advice, not undermine it. I'd never tell a client to refinance instead of filing when a proposal is the right call.
✓
CPA, CA. I understand debt-service math, credit rebuilding, and the lenders who actually work in this space.
✓
Suitability first. FSRA's focus on careful, suitable lending matters to me as much as it does to you.

What working together looks like

→
Referrals both ways. You send clients ready to rebuild; I send mine who need real debt relief, not another loan.
→
You stay informed. With your client's consent, I keep you in the loop on where their rebuild and financing stand.
→
No cost, no pressure for your clients. A first conversation is free, calm, and carries zero obligation.
→
Optional client education. I'm happy to co-host a plain-language session on rebuilding credit and the road back to a mortgage.

Let's give your clients a path forward.

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 Licensed Insolvency Trustee and never provide insolvency advice. Refinancing to repay a proposal is not always the right choice; figures and approvals depend on each client's full situation, the lender, and current lending guidelines.

Best, Leigh — The Mindful Mortgage