Kingsway Financial

Kingsway Financial I’m a Mortgage Broker and my team helps clients with their mortgage financing by giving them expert advice & the best deal ✨
Trevi Mortgage Network #13805

I’m Lezah, your Mortgage Broker. My proven track record in the mortgage industry has resulted in trusted, loyal relationships with my clients, lenders, appraisers, lawyers and colleagues. I deliver results because I deliver on promises. There are no surprises. Total Transparency. I help my clients with their mortgage financing by giving them honest advice and the best deal. From Start to Finish.

Navigating the mortgage world can be tricky, especially when you’re looking at options like refinancing, breaking a mort...
06/01/2026

Navigating the mortgage world can be tricky, especially when you’re looking at options like refinancing, breaking a mortgage early, or exploring alternative lenders.

Rates, terms, and penalties can vary widely between lenders, and the wrong move could cost you thousands.

A mortgage broker can guide you through all your options, help you understand the numbers, and make sure the solution fits your situation, not just the headlines.

If you want a guide through the confusing parts of mortgages, send me a message. Having someone on your side can make a huge difference.

05/28/2026

This is not a threat.

Quick reality check -
your credit score is telling lenders a story about you.
Not just what you owe... but how you behave.

And that story determines: what you qualify for and how much you pay.

If you’re thinking about buying or refinancing, don’t leave this part to chance.

Happy to take a look and point you in the right direction.

Here’s what you need to know 👇• Going on mat leave after closing?No impact - your mortgage is already secured• Buying wh...
05/26/2026

Here’s what you need to know 👇

• Going on mat leave after closing?
No impact - your mortgage is already secured

• Buying while on mat leave?
You can still qualify.

Lenders will want to see a Return-to-work letter, confirming your start date and income.

Most lenders will use 100% of your Return-to-work income, even if taking 18 month maternity leave.

Planning ahead matters! The best time to talk is before you go on leave.

Here’s what paperwork lenders need for a mortgage approval: Paystubs and Letter of EmploymentT4s, if income includes bon...
05/22/2026

Here’s what paperwork lenders need for a mortgage approval:
Paystubs and Letter of Employment
T4s, if income includes bonus or is hourly (last 2 years)
ID (government-issued)
Down payment proof (90-day history)
Self-employed?
Add:
T1 General and Notice of Assessment (last 2 years)
12 months bank statements
Articles of Incorporation
Simple rule: the more documents you send upfront, the less documents we ask for afterwards

Want a quick checklist tailored to you?
DM “PREAPPROVAL” 📨

05/20/2026

“Just a couple documents” they said…

Behind every approval is about 47 emails, 12 follow-ups, and 15 phone calls to make sure your mortgage is smooth sailing.

Worth it every time.

What is the difference between A and B lenders?Understanding the types of lenders can make a big difference when you’re ...
05/18/2026

What is the difference between A and B lenders?

Understanding the types of lenders can make a big difference when you’re getting a mortgage. Not all lenders operate the same way, and knowing your options can help you find the best fit for your situation.

➡️ A lenders are the big banks and traditional lenders. They usually offer the lowest interest rates and standard mortgage products but may have stricter approval requirements.

➡️ B lenders are often called alternative lenders. They may work with clients who have credit challenges, who are self-employeed and have low claimed income, or other unique circumstances. Rates can be higher, but they offer flexibility when traditional lenders say no.

Choosing the right lender isn’t just about the rate, it’s about what works for your financial situation.

If you want to explore your options and see which lender type could be best for you, send me a message.

05/14/2026

The rate you see online?
It’s real... just not for everyone.

Those rates are built on ideal scenarios:
✔️Perfect credit
✔️Low debt
✔️Simple income
✔️Owner-occupied

Most people don’t fit neatly into that box...and that’s okay.

Your mortgage rate should be based on your file, your situation, and the right lender for you.

That’s the difference.

05/07/2026

Say my name, say my name.

Lezah is pronounced Lays-uh / Leisa
Think Lays chips! And it’s “hazel” spelled backwards.

You do whatever you need to do to remember it 🫡

April Fools! 😅 You still need paperwork, proof of income, credit info, pre-approval forms… all the boring but important ...
04/01/2026

April Fools! 😅
You still need paperwork, proof of income, credit info, pre-approval forms… all the boring but important stuff.

But hey, wouldn’t it be nice if mortgage approval was that simple?

Until then, a little planning goes a long way.

If you want help getting organized and making the process painless, send me a message.

When interest rates start moving, a lot of people rush to make a decision. Lock something in, refinance quickly, or pani...
03/30/2026

When interest rates start moving, a lot of people rush to make a decision. Lock something in, refinance quickly, or panic that they’re about to miss their chance.

But reacting too quickly can actually be one of the biggest mortgage mistakes.

Every situation is different. Your timeline, your current rate, your mortgage terms, and even your long-term plans all play a role in what the right move is. What works for one homeowner might not make sense for another.

Before making any changes, it’s worth stepping back and looking at the bigger picture. A quick conversation can help you understand your options and make a decision that actually works for your finances, not just the headlines.

If you want to talk through what changing rates could mean for you, send me a message.

Address

109-1460 The Queensway
Toronto, ON

Telephone

+14162774882

Website

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