JD Lazar - Mortgage Broker

JD Lazar - Mortgage Broker Mortgage Broker helping Canadians obtain Mortgage Financing province wide and beyond

If your mortgage is coming up for renewal, you may have more options than you think.Instead of simply signing your lende...
04/17/2026

If your mortgage is coming up for renewal, you may have more options than you think.

Instead of simply signing your lender’s renewal offer, you may qualify for an insurable transfer — which can help you improve your mortgage without the usual costs.

Here’s what that could look like:

• Access lower, insurable interest rates
• No appraisal fees
• No legal fees (in most cases)
• Opportunity to combine your mortgage and HELOC into one lower payment
• Option to merge a first and second mortgage into one loan

You may also be able to:
• Reset your amortization back to 25 years (if currently higher)
• Add or remove a borrower (legal fees may apply)

Who qualifies?
• Property value under $1M (or purchased under $1M)
• Mortgage is under 80% of your home’s value
• Mortgage is coming up for renewal

Even if your current mortgage is with a different lender or structured differently, this option may still work for you.

Before you renew, it’s worth reviewing what’s available — it could mean significant savings and a simpler financial setup.

Feel free to reply to this email or message me directly, and I can walk you through your options.

04/17/2026

Here’s what most homeowners DON’T know 👇

At renewal, you may also be able to:

✔️ Reset amortization to 25 years (if currently higher)
✔️ Add or remove a borrower/guarantor (legal fees may apply)
✔️ Access insurable (lower) rates

💡 This is one of the best opportunities to restructure your mortgage.

Starting our annual 2 day Rock Capital Conference in King city Looking forward to lots of enconmy and lender updates as ...
04/08/2026

Starting our annual 2 day Rock Capital Conference in King city

Looking forward to lots of enconmy and lender updates as the mortgage industry is forever evolving.

Understanding Your Credit Score Your credit score ranges from 300 to 900 and plays a major role when applying for a mort...
04/06/2026

Understanding Your Credit Score

Your credit score ranges from 300 to 900 and plays a major role when applying for a mortgage or any type of loan. Lenders use this score to evaluate how likely you are to repay debt on time. Generally, the higher your score, the better your borrowing options and interest rates.

In Canada, the two main credit reporting agencies are Equifax and TransUnion, which collect information about your borrowing history and provide credit reports to lenders.

While many people think the types of credit they have matter most, experts say your behaviour with credit is actually the biggest factor. Payment history and how you manage your debt have the greatest impact on your score.

Here are a few key things that influence your credit score:

✅ Payment history – Always paying your bills on time is the most important factor.

✅ Credit utilization – Try to keep your balances below 30–40% of your credit limit.

✅ Total debt levels – The amount you owe across all credit accounts matters.

✅ Length of credit history – Older accounts can help strengthen your credit profile.

✅ Credit inquiries – Applying for many credit products in a short time can lower your score.

Different types of credit also show lenders how you manage debt. For example:

• Credit cards and lines of credit show how you manage ongoing borrowing.

• Auto loans, student loans, or personal loans demonstrate your ability to manage scheduled payments.

• Mortgages show your ability to manage long-term financial commitments.

If you're planning to buy a home or refinance, maintaining a strong credit profile can make a big difference in the mortgage options available to you.

If you have questions about your credit or want to understand how it affects your mortgage approval, feel free to reach out.

02/19/2026

Hi, its JD Lazar with the DLCG mortgage group, Many homeowners I speak with aren't sure whether their mortgage still aligns with their goals - especially after recent rate changes, market shifts, and life changes.


As part of my work with past clients, I'm doing brief, proactive check-ins to ensure nothing is being overlooked and that their mortgage strategy still makes sense in today's market. If you'd like a quick review or have any questions, simply DM or call me and I'll take care of the rest.

02/12/2026

Questions on your mortgage, or want to compare your mortgage to what is currently available?

Is this your renewal year don't just sign give me a call to compare options, you could be leaving money on the table

Call JD - Mortgage Broker 416-817-0103

01/28/2026

Questions on your mortgage, or want to compare your mortgage to what is currently available?
and or if your mortgage renewal is coming up this year give me a call.

JD - Mortgage Broker 416-817-0103

01/28/2026

Just a friendly update...

Bank of Canada paused any cut to the key interest rate today

The prime rate for mortgages remains at 4.45%. -- NO CHANGE --

The prime rate only affects variable rate mortgages (VRM), adjustable rate mortgages (ARM) and HELOCs.
Not fixed rate mortgages

Next scheduled announcement is
March 18th 2026

Questions on your mortgage, or want to compare your mortgage to what is currently available?
and or if your mortgage renewal is coming up this year give me a call.

Here at the DLCG group we fund more new mortgages than any other Bank, Trust company or Credit Union.

"Oh by the way, A referral is the highest compliment you can provide"

Appreciate it!!

Sincerely,

JD Lazar - Mortgage Broker
416-817-0103

12/24/2025

Merry Christmas !!!

From LazarMortgages

December and January have always been prime months for household debt consolidation, but December 2025 is shaping up to ...
12/22/2025

December and January have always been prime months for household debt consolidation, but December 2025 is shaping up to be a standout.

With average credit card rates now hovering around 21% or higher, a second mortgage is creating a timely opportunity for homeowners to significantly improve monthly cash flow before year-end.

Real Client Example (Closed This Week) Before Consolidation
Home value: $1.2M

First mortgage: $450K @ 2.2%

Credit cards: $78K @ 19.8% average

Car loan: $32K @ 8.9%

Total monthly debt payments: $3,400

Credit score: 620 (85% utilization)

After a $120K Private Second Mortgage

Credit cards and car loan paid off

New payment: $1,100 (interest-only)

Monthly savings: $2,225

Annual savings: $8,700+

Credit score increased to: 710

Why Debt Consolidation Demand Is Surging Right Now

The Rate Gap Is Impossible to Ignore
High interest credit card debt vs a 2nd mortgage debt creates immediate cash-flow relief.

2026 Mortgage Renewals Are Approaching
A smart opportunity to proactively improve debt ratios and credit scores before renewal discussions begin. Exit strategy roll 2nd mortgage into you first mortgage on maturity

Year-End Reset Mentality
Tax planning, balance-sheet cleanup, and New Year motivation all converge in December.

Self-Employed Recovery
Many business owners are stabilizing and ready to eliminate lingering high-interest, COVID-era debt.

Why a Private Second Mortgage Works So Well for Consolidation

✓ Little or no income verification (ideal for self-employed or variable income)

✓ Fast funding

✓ Interest-only options to maximize cash flow

✓ Up to 80% loan-to-value (location dependent)

✓ Flexible terms

Are You Experiencing Any of These?
High credit card balances (especially post-holiday)

Multiple high-interest debts

A mortgage renewal coming in 2026

Credit scores impacted by high utilization

If you own property but feel stuck under high-interest debt,

December is the window to act.

These solutions can quickly clean up your balance sheet, improve monthly cash flow, and position you far better heading into the new year.

Contact JD for The Mortgage Broker Advantage
📞 416-817-0103

Don’t wait, talk to me about this option today and help set yourself up for success.

12/18/2025

Every year, we see the same pattern.
Once the festive season wraps up and the Visa bills arrive, reality sets in.
But this year, the pressure is even greater.

Contact JD for The Mortgage Broker Advantage 416-817-0103

Address

7- 75 First St
Orangeville, ON
L9W 2E7

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

+14168170103

Website

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About me

I am originally from Brampton where I managed a successful trucking business for 18 years eventually moving to Caledon where I have resided for the last 20 years. I got the mortgage industry bug back in 2011 after reading an article regarding “Reverse mortgages” and the great options it gave seniors here in Canada. To me it was a no brainer it was my calling to be able to help people with some of the biggest decisions in their lives and bring options to families who were in need. It was from there on that I decided to change up my career path and became a licensed mortgage agent. I have been bringing happiness to families for many years now with purchases, refinances, reverse mortgages and much more.

I have been with my bride for 20 awesome years and as a result have 3 beautiful children whom I cherish spending quality time with. Each are active in Rep sports, Hockey and Basketball. We are a very active family unit outdoors camping, biking, hiking to name a few. Quality time is what its all about.

Having said this I do have a very strong work ethic when it comes to my clients, their interests come first, I work for them not the lenders. My mantra is I advise (clients) and they instruct (me). To put it in a nutshell “I live and breathe mortgages”.