Mortgages with Leon

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Canada
Toronto, ON
Mortgages with Leon

I specialize in Residential & Commercial mortgages in the GTA. I specialize in New to Canada, Business 4 Self clients & Rentals

Since I have access to banks, trust companies, credit unions and mic's I can get you the most suitable mortgage for your needs.

08/14/2026

Buying a home or renewing your mortgage? Don't automatically assume that the lowest rate is the best option.

Your mortgage should fit your overall financial situation and future plans.

If you or someone you know has a mortgage question, I'm always happy to have a conversation.

Call or text me at 416-220-8877

02/10/2023

Are you looking to consolidate your high interest credit card debts? Or start your home improvement project? Or expand and grow your business or maybe pay for your children’s education?

Important decisions like these need to be postponed sometimes as refinancing an existing low interest rate mortgage, to access some of the equity in the home may not make financial sense. Also, charging these on your high interest credit cards may not make much sense either.

A relatively low interest rate secured Mastercard could be your answer. As long as you have more than 20% equity in your home, you may be able to keep your existing first mortgage and get a loan in 2nd position in the form of a Secured Mastercard.

Call me to discuss if this mortgage product is right for you.

Leon Moses
Mortgage Agent
Direct: 416.220.8877
[email protected]
License #:M11002736
Brokerage #13054

02/08/2023

In our current mortgage scenario, where interest rates have been rising fast, it can be challenging to choose between getting a ‘Fixed’ and ‘Adjustable’ rate mortgage. But you do not have to pick one OR the other, when you have the option of splitting your mortgage between the 2 options. So, part of your mortgage can be set up with a Fixed rate and the other part, an Adjustable rate. You can actually split the total approved mortgage limit into other financial components like a Line of Credit as well.

Call me to discuss a mortgage product that will allow you to split your total approved mortgage loan into different components.

Leon Moses
Mortgage Agent
Direct: 416.220.8877
[email protected]
License #:M11002736
Brokerage #13054

02/06/2023

Have you considered the ‘Rent to Own’ option??

Is your dream of home ownership getting pushed further away, due to the lack of sufficient down payment and closing costs? The ‘Rent to Own’ option could be the right answer for you.

Call me to discuss the Rent to Own option and see if this would work for you.

Leon Moses
Mortgage Agent
Direct: 416.220.8877
[email protected]
License #:M11002736
Brokerage #13054

01/27/2023

For the last few months, the biggest question in the minds of the home owners who have Adjustable Rate Mortgages has been - should we lock into a Fixed Rate Mortgage?

It’s a straightforward question with a NOT SO straightforward answer. Here are some points to consider if you do decide to lock into a Fixed rate.

1. Contact the customer service department of your mortgage lender and ask about the new term you are eligible for. This generally depends on the number of years remaining on your existing mortgage.
2. If you decide to proceed, you should receive a conversion agreement listing the new interest rate for your mortgage. Be sure to review the agreement carefully as the terms of the mortgage would have changed.
3. Check when the agreement expires to make sure you sign back withing the given time frame. Also be sure to review the conditions as the pre payment penalty will have changed and most likely, be the pre payment privileges as well.

If the rising interest rates are causing you concern, you could find the much-needed peace of mind in converting your Adjustable-Rate Mortgage to a Fixed Rate Mortgage.

Call or email me should you want to discuss your options further.

Leon Moses
Mortgage Agent
Direct: 416.220.8877
[email protected]
Licence #:M11002736
Brokerage #13054

01/25/2023

Have you ever wondered about the total mortgage interest you would pay over the life of your mortgage? In most cases this is a colossal number.

Is there anything you can do to reduce this total interest paid over the term of the mortgage; you might wonder. Yes, you can. It’s called the Prepayment Privileges.

Are you expecting a yearly bonus or a tax refund? Do you have some savings? You can use these funds to pay down your mortgage faster and save on your interest costs. Here are the options:

☑ Lump sum Payments – you can pay a lump sum payment on your mortgage anniversary date that will directly reduce your mortgage principal.
☑ Increase Payments – Once a year (anniversary date) you can increase your principal and interest payment by a fixed percentage. The increased amount goes directly towards your principal.
☑ Double Up Payments – You can double your payments or any or all your mortgage payment dates. The extra payment will be applied to your principal.

Don’t let interest rate be the only criteria to select a mortgage. Other terms and conditions are equally important. Call me to discuss which mortgage is right for you.

Leon Moses
Mortgage Agent
Direct: 416.220.8877
[email protected]
Licence #:M11002736
Brokerage #13054

01/20/2023

A home for most people is the most expensive asset they purchase in their lifetimes. It is also an investment that most people rely to fall back on during their retirement years.

Enhancing the value of the home, most commonly through specific upgrades, should be paramount in any homeowner’s mind.

Instead of paying for these value enhancing upgrades with Credit Cards, Lines of Credits, Personal Loans or Emergency Savings funds, one can consider refinancing their home, for the much-needed upgrades to enjoy while one lives in the home and to expect a higher sales price when selling it.

Some home upgrades to consider are:

✔ Adding a home office
✔ Finishing the basement
✔ Enhancing the curb appeal
✔ New Main Door & Garage Door
✔ Adding a parking spot
✔ Adding a Deck or a Patio
✔ Adding a pool or a hot tub
✔ Upgrade kitchens and washrooms
✔ Replacing an aging Furnace, water heater and air conditioner
✔ Adding a full bath on the main floor
✔ Making the laundry more accessible
✔ Having a walk-in shower

Call, text or email me to explore the options of refinancing your existing mortgage to free up some equity in your home, to finance the upgrades.

Leon Moses

Mortgage Agent
Direct: 416.220.8877
[email protected]
Licence #:M11002736
Brokerage #13054

01/18/2023

Are you struggling with high interest credit card debts, car loans, student loans or personal loans?

With different interest rates, payment schedules and minimum payment amounts these can be difficult and troublesome to track. Wouldn’t it be amazing to consolidate these into one manageable payment?

If you have more than 20% equity in your home, consolidating all your debts into one payment could save you a great deal of time, money & stress.

Call, text or email me to discuss how we can keep more of your hard-earned money in your own pocket.

Leon Moses

Mortgage Agent
Direct: 416.220.8877
[email protected]
Licence #:M11002736
Brokerage #13054

01/16/2023

Are you an existing homeowner looking to move into your dream home AND losing out on your Real Estate purchase bids due to an insufficient Deposit amount on your Purchase offer?

It is common for Sellers to expect a deposit amount of 5% of the Purchase Price to consider your offer a serious one.

Don’t let not having the Deposit Funds hold you back from putting an offer on your dream home. Call, Text or Email me to discuss the options of getting a Deposit Loan

Leon Moses

Mortgage Agent
Direct: 416.220.8877
[email protected]
Licence #:M11002736
Brokerage #13054

12/30/2022

“Year’s end is neither an end nor a beginning but a going on, with all the wisdom that experience can instill in us.” – Hal Borland

Happy New Year, may are your dreams for 2023 come true.

Leon Moses

Mortgage Agent
Direct: 416.220.8877
Licence #:M11002736
Brokerage #13054

Address

Toronto, ON

Telephone

+14162208877

Website

https://leonmoses.com/

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