Mortgage Services

Mortgage help for every stage — with a CPA in your corner.

From your first pre-approval to renewals, refinances, self-employed financing, and building a real estate portfolio — I look at your whole financial picture and build the strategy that fits, then shop 50+ lenders to deliver it.

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CPA, CA & Licensed Mortgage Broker · 50+ lenders · No cost to you

Why work with Leigh?

The same mortgage, three very different experiences.

Where you get your mortgage shapes the advice that comes with it. Here's the difference.

Big Bank

Only their own products — limited choice
Higher potential penalties to break early
Built around the transaction, not long-term planning
No tax or financial-strategy advice
Staff are paid to sell the bank's products

Licensed Mortgage Broker

Access to many lenders — banks, credit unions, monolines
Shops for the best rate and product for your goals
More flexible prepayment, portability, and penalties
Works for you, not the lender
Paid by the lender when your mortgage funds — not by you
May touch on budgeting or debt consolidation

This is me

Broker + CPA, CA

Everything a broker offers, plus:

Deep personal and corporate tax knowledge
Structures your mortgage to be more tax-efficient — interest deductibility, rental write-offs — alongside your accountant or planner
Reads self-employed, incorporated, and multi-property income the way lenders need to see it
Integrates the mortgage with cash flow, retirement, and investment goals
A holistic strategy, not just a transaction
Also paid by the lender — no added cost to you

Ready when you are

Get a real number in about a minute, then start your application whenever you're ready.

Buying a home

See your real price, monthly payment, and cash to close.

Estimate a purchase →

Renewing or refinancing

See what shopping could save and the cash flow you could free up.

Explore your options →

Self-employed

Qualify for more than your tax return shows.

Run your numbers →

Start your application

Good to know

Mortgage basics, explained

What is a pre-qualification?

A quick estimate of your maximum purchase price based on general, unverified information you give a lender or online calculator. It's a helpful ballpark — not a commitment.

What is a pre-approval?

A closer look: a mortgage professional reviews your application, income and down-payment documents, and your credit, then gives you a more accurate maximum you can shop with confidence.

What is an approval?

Once you have an accepted offer on a home, I submit your file to a lender. When they review and confirm everything, they issue a full approval on that specific property.

How much do I need for a down payment?

For an owner-occupied home you may put as little as 5% down — but you still have to qualify for the full mortgage based on your income and debts. The tiers: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million, and 20% above $1.5 million. Rental properties require at least 20% down.

What if I don't qualify for the home I want?

There are usually options — adding a co-signer, increasing your down payment, or paying down debt. And because I work with many lenders, a "no" from one isn't a "no" everywhere; I can shop your file to others.

What is a co-signer?

Someone added to your application when you don't qualify on your own. Their income and debts join yours to strengthen the file. They go on title and the mortgage, and it appears on their credit — so it can affect their own borrowing down the road.

What is a guarantor?

Someone who backs your mortgage when your credit or history is thin, or your application is slightly weaker than a lender wants. In most cases the mortgage doesn't appear on their credit, though this varies by lender.

What is default insurance?

Often called CMHC insurance, though three providers offer it — CMHC, Sagen, and Canada Guaranty. It's required with less than 20% down, gets added to your mortgage, and protects the lender if payments stop. It's an added cost, but it's also what makes buying with a smaller down payment possible.

Not sure where to start?

That's exactly what the first call is for — 15 minutes, no pressure, and you'll leave knowing your options.

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

In their words

What clients say

★★★★★5.0 from 40+ Google reviews

★★★★★

"From start to finish, they were incredibly helpful, knowledgeable, and patient in guiding us through 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."

— Chantal, Ontario

★★★★★

"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."

— Christine, Ontario

★★★★★

"Leigh was amazing throughout the entire process and her in-depth 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."

— Justin, Ontario