Lez Gomez

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Lez Gomez 15+ years of experience providing Mortgage solutions to clients from ALL walks of life. Self-employe. Brokerage Licence # 12728

With Over 15 Years of successful lending and underwriting experience and with over 1000’s deals successfully financed, Lez Gomez Mortgage broker in Whitby always offers a seamless solution for all your mortgage needs. Whether you want to buy a new home, Set up a business, or even refinance an existing loan or mortgage, Lez offers you the perfect solution to cater to your specific requirement

Bank of Canada Interest Rate Explained and How It Shapes Your MortgageWith more than 20 years in lending and underwritin...
10/18/2026

Bank of Canada Interest Rate Explained and How It Shapes Your Mortgage
With more than 20 years in lending and underwriting, I've seen firsthand how the Bank of Canada's decisions ripple through every mortgage. Right now, the rate sits at 2.25%. That number shapes your payments—especially if you have a variable rate, which moves with the prime. Fixed rates, on the other hand, are tied to bond yields and can shift the landscape of affordability and demand in the market. No matter your situation, staying informed and building a realistic budget is key. My experience has taught me there’s always a solution that fits—so understanding these rate movements is a powerful first step.


http://www.lezgomez.ca/agent-news/lez/1974265-Bank-of-Canada-Interest-Rate-Explained-and-How-It-Shapes-You

Fixed or Variable? How to Choose a Mortgage After the September Rate HoldWith the Bank of Canada holding its policy rate...
10/17/2026

Fixed or Variable? How to Choose a Mortgage After the September Rate Hold
With the Bank of Canada holding its policy rate at 2.25%, many are asking whether a fixed or variable mortgage is the right move right now. Fixed rates are on the rise, offering that peace of mind and stability some borrowers need, while variable rates can start off lower but bring potential payment changes—especially with inflation in the mix. Having worked through thousands of unique lending scenarios over the past 20 years, I always emphasize that the best choice comes down to your own financial picture. It's about finding a solution that fits you, not just the market headlines.


http://www.lezgomez.ca/agent-news/lez/2103484-Fixed-or-Variable%3F-How-to-Choose-a-Mortgage-After-the-Septem

10/16/2026

Best Mortgage Rates In Ontario For 2026
With over two decades in lending and underwriting, I’ve seen firsthand how Ontario’s dynamic mortgage landscape adapts to changing home prices—now nearing that $800,000 mark. Lenders continue to bring forward a range of mortgage options: from competitive rates tailored to homes under $1M, to specialized programs designed for self-employed individuals and newcomers. Whether you’re considering fixed or variable rates, your credit profile and down payment play a key role in shaping what’s possible. My experience across thousands of financed deals has shown that a well-matched mortgage solution is always within reach.

بینک آف کینیڈا کا نیا پیش گوئی ماڈل: رہن اور ہاؤسنگ پر زیادہ توجہکیا آپ جاننا چاہتے ہیں کہ رہن اور کرایہ ہماری معیشت کو ...
10/15/2026

بینک آف کینیڈا کا نیا پیش گوئی ماڈل: رہن اور ہاؤسنگ پر زیادہ توجہ
کیا آپ جاننا چاہتے ہیں کہ رہن اور کرایہ ہماری معیشت کو کیسے متاثر کرتے ہیں؟ بینک آف کینیڈا کا نیا Prima ماڈل ہاؤسنگ، اخراجات اور افراط زر کے رجحانات کی گہرائی میں جا رہا ہے۔ کیا آپ مزید جاننا چاہیں گے؟
http://www.lezgomez.ca/agent-news/lez/2132320-%D8%A8%DB%8C%D9%86%DA%A9-%D8%A2%D9%81-%DA%A9%DB%8C%D9%86%DB%8C%DA%88%D8%A7-%DA%A9%D8%A7-%D9%86%DB%8C%D8%A7-%D9%BE%DB%8C%D8%B4-%DA%AF%D9%88%D8%A6%

10/14/2026

Canada's Alternative Mortgage Options | Get Your Mortgage for a LilL*z!
With more than 20 years of lending and underwriting experience behind me, I’ve seen firsthand how alternative mortgage options can open doors for borrowers who might not qualify through traditional channels. There’s a Canadian non-bank lender on the market that focuses specifically on these types of solutions, offering a range of products for clients with challenging credit histories—even considering those with scores near 580, provided a larger down payment is available. For those with stronger credit (around 680), the pricing becomes even more competitive. Down payments start at 5%, then move up to 10% and 20% depending on the property price tier. Whether you’re looking for fixed, variable, open, closed, renewal, refinance, self-employed, or bad-credit mortgages, this lender provides flexibility—including 15% annual prepayment privileges and the option to increase fixed payments by 15%. All applications are handled exclusively through brokers, and their broker-connection tool typically ensures you’ll hear from a broker within two business days. Having financed thousands of deals, I know there’s no one-size-fits-all path—these alternative options are one more way to find the right fit for your unique situation.

10/13/2026

Ontario Mortgage Fraud Trends to Watch | Get Your Mortgage for a LilL*z!
After more than two decades in lending and underwriting, I've seen firsthand how mortgage fraud risks can vary dramatically across Ontario. A recent credit bureau report emphasizes that regional financial stress and local economic pressures are shaping how borrowers approach mortgage renewals—especially those facing higher payments after starting out at ultra-low rates. This squeeze on household budgets can sometimes tempt applicants to stretch the truth on their finances. That’s why precise, localized checks matter. Solid safeguards, like authenticating documents and watching for missed first payments or shifts in debt patterns, are essential for catching early warning signs. The key takeaway? Fraud and credit risks aren’t uniform—they’re hyper-local. That’s why I always tailor underwriting and monitoring to each client’s unique circumstances, never relying on a blanket national approach. With 1000’s of deals behind me, I know that the right solution is always personal.

10/12/2026

Canada's Affordability Improves as Fixed Rates Rise | Get Your Mortgage for a LilL*z!
When it comes to Canada’s current housing market, it’s important to note that the latest reports didn’t include specific figures for home prices, rates, sales, or affordability at a local or national benchmark. The numbers only referenced broader Canadian trends and a handful of metro areas, so there’s no concrete way to gauge affordability shifts for individual towns or regions right now. Similarly, the mortgage stress-test was discussed in general terms, without details on how it applies to particular borrowers or what monthly payments might look like. My experience with thousands of successful financings has taught me to pay close attention to the details that matter most to each situation—and in this case, we simply don’t have the local data needed to draw real conclusions. The key takeaway: exercise caution when interpreting national headlines, as every client’s needs and every market can be quite different.

Global Trends Boost Canadian Mortgage Rate OpportunitiesWith over two decades of lending and underwriting expertise, I’v...
10/11/2026

Global Trends Boost Canadian Mortgage Rate Opportunities
With over two decades of lending and underwriting expertise, I’ve seen firsthand how global financial shifts can impact your options here at home. Right now, rising government bond yields—driven by market volatility, inflation concerns, and ongoing geopolitical tensions—are pushing Canadian fixed mortgage rates higher. Fixed rates have recently moved up by 10-20 basis points, while variable rates are holding steady. If you’re considering a fixed rate, those below 4.19% are currently the most favorable. Every situation is unique, and understanding these changes can help you make the right move in today’s environment.


http://www.lezgomez.ca/agent-news/lez/1939935-Global-Trends-Boost-Canadian-Mortgage-Rate-Opportunities

10/11/2026

I had a great experience with L*z Gomez. He was knowledgeable, professional, and took the time to an...
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Oshawa, ON
L1N1C4

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