Josh Perez

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Hamilton, ON
Josh Perez

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Josh Perez, Mortgage brokers, 21 Bold Street, Hamilton, ON.

Our team of mortgage professionals work solely for you, devoting themselves to helping you understand your best financial options and working tirelessly to help you secure the most suitable mortgage.

10/13/2026

The real estate market of 2026 looks a lot different than it did six years ago. And experience matters.

Over the past six years, we’ve seen it all.

The rapid run-up in prices during the pandemic, buyers competing in multiple-offer situations, and a market where properties seemed to appreciate overnight.

Then came rising interest rates, affordability challenges, declining sales activity and a correction that forced buyers and homeowners to rethink their strategies.

Now, in 2026, the market is in a different phase. Buyers are navigating more choice, sellers are adjusting expectations, and making the right move requires more than simply watching interest rates or waiting for prices to change.

It requires experience, strategy and the right people in your corner.

At Synergy Mortgages, we believe your mortgage partner should understand the market, know how to navigate changing conditions, and be just as invested in your long-term success as you are.

Because the right strategy isn’t just about getting approved today. It’s about putting yourself in a stronger position for tomorrow.

Align yourself with people who have been through the cycles, understand the challenges, and know how to strategize through them.

That’s Synergy Mortgages.

10/09/2026

📊 CANADA’S HOUSING MARKET | WHAT’S HAPPENING THIS FALL?

Canada’s housing market isn’t moving in one direction. September brought softer activity across several major markets, but the story looks very different depending on the region and property type.

Toronto and Vancouver continue to face pressure, while Calgary has remained relatively stable — highlighting how important local market conditions are when evaluating real estate opportunities.

For buyers and investors, looking beyond the national headlines can help put the numbers into better context.
The right financing strategy starts with understanding the property, the market and your goals.

If you’re considering a purchase or investment and want to understand your financing options, message me directly or schedule a call using the link in my bio.

—

Josh Perez
Synergy Mortgage Group

10/02/2026

🏠 ONTARIO RENTAL RULES | WHAT LANDLORDS & INVESTORS NEED TO KNOW

Ontario’s rental rules are changing, with new rules taking effect September 21, 2026 that impact the timeline surrounding missed rent payments and the Landlord and Tenant Board process.

The changes introduce a clearer framework around repeated late payments, including when an N4 notice can be issued and when a landlord can proceed with an L1 application for non-payment.

For landlords and investors, keeping accurate records of rent payments, arrears and tenant issues will be increasingly important when managing rental properties.

Understanding the rules is just as important as understanding the numbers when it comes to investing in Ontario real estate.

If you own or are considering investing in rental properties and have questions about financing your next investment, message me directly or schedule a call using the link in my bio.

—

Josh Perez
Synergy Mortgage Group

09/25/2026

🏗️ FINANCING SUCCESS | GRIMSBY, ON

We’re proud to have recently funded a large-scale construction financing facility under CMHC MLI Select for an exciting purpose-built rental development in Grimsby, Ontario.

8 storeys | 90 purpose-built rental units | 95% LTC

A special shoutout to Harbour Hills (Harbour Hills) for their work on this exciting project and for trusting us to be part of the financing process.

What made this project particularly rewarding was being involved from the very beginning.

Our team worked alongside the client through the entire process — from initial land assessment and project feasibility, through structuring the financing strategy, navigating the CMHC MLI Select requirements, and ultimately executing the construction financing.

With a project of this scale, successful financing is about much more than securing a rate. It requires understanding the land, the development economics, the construction plan, the borrower’s objectives and the requirements of the financing program — and bringing all of those pieces together.

The result: 95% loan-to-cost financing supporting the development of 90 new purpose-built rental homes in Grimsby.

We’re grateful to our client for trusting us to help bring this project from concept and feasibility to financing and ex*****on.

From land assessment → feasibility → financing strategy → construction financing.

That’s the value of having the right financing partner in your corner. 🏗️

09/24/2026

Mortgage renewal coming up and the rate jumped from the 2s to the 4s? Don't sign that letter yet.

Your current lender's offer usually isn't your best option. Shop your renewal like you shopped your purchase. A mortgage broker can compare the whole market, your lender included, and switching at renewal is free in most cases since your term is up.

Look at your cash flow and goals too, beyond the rate. Tight month to month? Stretch your amortization. Want it gone faster? Shorten it.

And start early. Most lenders will approve you and hold a rate up to 120 days before renewal, so you can lock in now and still be covered if rates drop.

Book a call through the link in my bio and we'll go over your options.

09/22/2026

📊 BANK OF CANADA RATE WATCH | WHAT TO WATCH NEXT

Could interest rates move higher again? It’s too early to say for certain — but there are a few key economic signals worth watching.

With inflation still elevated, oil prices putting pressure on the economy, and growth showing signs of weakness, the Bank of Canada is balancing competing pressures.

The next major dates to watch are September CPI on October 19 and the Bank of Canada’s rate decision on October 28.

For homeowners, buyers and investors, understanding what’s happening behind the rate announcement can be just as important as the announcement itself.

If you’re considering a mortgage or want to understand how changing rates could affect you, message me directly or schedule a call using the link in my bio.

— Josh Perez
Synergy Mortgage Group

09/11/2026

🏢 5 Financing Mistakes Real Estate Investors Make

When it comes to investing in real estate, the financing strategy should be part of the conversation from the beginning — not something you figure out after finding the property.

Waiting too long to speak with a broker, focusing only on the lowest rate, or overlooking the financing timeline can all impact your ability to close and the overall performance of the investment.

The right financing strategy should consider the property, your available capital, your investment goals, and what comes next in your portfolio.

Every deal is different, which is why planning your financing early can help you make more informed decisions and avoid costly surprises.

📩 Message me directly or book a call through the link in my bio to discuss your next investment.

—

Josh Perez
Synergy Mortgage Group

09/10/2026

Self-employed and getting turned down for a mortgage? Your tax return might be the reason.

We deal with self-employed mortgages all the time, and most people misunderstand how they work.

A good accountant writes down as many expenses as they can. That's great for lowering your personal taxes. It also shrinks your income on paper.

Most big banks look at the bottom line you claim personally on your T1 General and notice of assessment. Their underwriters work with programs that tend to leave your gross business income out of the picture.

A mortgage broker can get you in front of lenders who use common sense income for business owners. Those lenders will look at the gross deposits in your business bank accounts, dividends you pay out, and certain expenses you've claimed. Anything that helps build your case.

Sometimes that means putting more down, and the rate can come in a bit higher. That trade-off can get you into a better property or neighbourhood. For some people it's the difference between buying and not buying.

Other times it comes down to finding the right lender for your file.

If you're self-employed and you've been told no, or you haven't tried because you assumed you wouldn't qualify, book a call with the link in my bio.

09/04/2026

🏡 Hamilton Just Got $572M for Housing & Infrastructure

Hamilton is receiving up to $572 million through the Development Charge Reduction Program, with the goal of supporting infrastructure and unlocking more residential development across the city.

As part of the program, Hamilton is eliminating development charges on eligible new residential development for three years—potentially saving up to $100,442 per new home.

The city estimates these changes could help unlock more than 31,000 new homes, adding much-needed housing supply as Hamilton continues to grow.

While the impact won’t happen overnight, this is a significant investment that could shape Hamilton’s housing market and development landscape over the coming years.

For buyers, homeowners, and investors, these are the kinds of changes worth paying attention to.

📩 Message me directly or book a call through the link in my bio to discuss your mortgage and investment options.

—

Josh Perez
Synergy Mortgage Group

09/03/2026

Your mortgage renewal is coming up and the rate is way higher than what you signed for. Now what?

If you signed in the high 1s or low 2s, you might be staring at high 3s or low 4s. That can be a shock, but you have options.

Do not just sign the renewal letter your lender sends you. That rate is often not the best one out there. You can shop your renewal the same way you shopped your purchase, and switching lenders at renewal is free in most cases because your term is up. A broker can pull options from across the whole market, including from your current lender, and match them to your financial situation.

Look at your whole financial picture too, not just the rate. Built up equity? This might be the time to restructure or put it to use elsewhere. If cash flow is tight, a longer amortization gives you some wiggle room, or you can shorten it if you want to pay it down faster.

And watch your timing. Most lenders will approve you and hold a rate up to 120 days before your renewal date. If rates are good now, you can lock something in and still have protection in case they drop further.

Don't wait until the last minute and don't just sign whatever they send you. Schedule a call with me using the link in my bio and let's make sure you know your options.

Address

21 Bold Street
Hamilton, ON
L8P1T3

Telephone

+19059067975

Website

https://synergymortgagegroup.com/

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