Lez Gomez is a Certified Mortgage Agent proudly serving Oshawa, Whitby, Ajax & all of Durham Region, since 2004.

With Over two decades 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.I always put my customers first and strive to serve them better.

My increasing clientele is a clear indication of my commitment and focuses to serve you better. I always help my customers to pick the right mortgage solutions according to their needs and then personalize them to suit their individual requirements.My aim is not only to provide the best services but also to establish a long-lasting relation with my customers. I work with many lenders, meaning funding is available from a variety of sources, Banks, Private funds, commercial, second mortgages, land financing, debt consolidation are all possible, You own a property it has equity Lez Gomez your Mortgage agent in Whitby will get you the money! Take your financing options to the next level.

One-Stop Mortgage Solutions

    Are you currently a homeowner? *

    Why Work With Us

    Lowest rates in the market

    *Rates are subject to change. Terms and conditions may apply.

    Fast Services

    We insure ourselves on quick, easy and hassle free service.

    Bad Credit

    We specialize in dealing with bad credit & bank declines turn a NO to a YES with LEZ GOMEZ

    Easy Application

    Easy Application with LEZ GOMEZ
    T&C applied

    Happy Clients Say Lez is Amazing!

    Godwin P. Milton
    Godwin P. Milton ( Buyer )
    “Thank you so much Lez. Your service has been great; we will certainly refer you to my friends and family in the future.” Godwin P. Milton. ON
    Pooja K
    Pooja K ( Agent )
    “I met Lez through several of my clients. I have to say Lez is a well-informed & dedicated mortgage broker. I have been a realtor for 10 years, and have worked with many mortgage brokers. Lez gets you what you need by providing smart, simple solutions. Lez has always answered my phone no matter how busy he is.. Lez you are the best.. -Pooja K – Remax
    Farooq J
    Farooq J ( Buyer )
    “Lez is the man for the job! Lez knows what he is doing – Farooq J Guelph ON
    Khalid B
    Khalid B ( Agent )
    “I have worked with Lez since the past 5 yrs. If he can’t get it done, no one can. Lez has successfully helped so many of my clients get their financing in place so they can have the homes they want. – Khalid B Remax
    Pam R
    Pam R ( Buyer )
    “Lez has helped us close our first home purchase. Lez provided us with professional service. He walked us through the mortgage finance process with patience & great diligence. All our questions were answered. Our Family highly recommends Lez.” – Pam R, Down Town Toronto, ON
    Sohail Anwar
    Sohail Anwar ( Agent )
    “Lez is fast! At getting my clients approved, this takes away the stress of financing. All, my clients are happy with how well Lez was able to answer questions and put their mind at ease. Lez keep up the good work” – Sohail Anwar – Remax
    Shamela N
    Shamela N ( Buyer )
    “Thanks so much for the future shop Gift Card. We are enjoying our new financing. It has been great. Thanks again for making our dream come true & helping us become debt free, – Shamela N. Ajax ON
    Godwin P. Milton
    Godwin P. Milton ( Buyer )
    Thank you so much Lez. Your service has been great; we will certainly refer you to my friends and family in the future.” Godwin P. Milton. ON
    A Narula
    A Narula ( Buyer )
    It was a pleasure working with Lez Gomez. The team was courteous and professional. I was having a hard time with other. . . I highly recommend Lez as he will make your dreams true.

    Frequently Asked Questions

    What is a Mortgage Broker?

    What is a Mortgage Broker?

    A mortgage broker is an intermediary between a lender and a borrower. They essentially work to connect borrowers to lenders that are willing to provide the borrower with a mortgage loan.

    While lenders such as banks can only offer the products that they develop and sell, mortgage brokerages can access the mortgage rates of multiple lenders to present the best option to borrowers. In the last 15 years, as property markets have drastically grown, the prevalence of the mortgage broker has grown too as borrowers try to secure the best mortgage option and lowest rates available to them. There are several advantages to working with a mortgage broker. Most notably, they can negotiate the lowest rate for the borrower and allow for a quick comparison of pricing, mortgage rates, terms and other features across mortgage providers.

    The Real Estate Market in Toronto

    The Real Estate Market in Toronto

    Across all of the major markets in Canada (Toronto and Mississauga, Ottawa, Calgary, Edmonton, and Vancouver), real estate in Toronto has proved to be one of the most resilient markets to be a part of. Through various economic cycles and recessions, any period of downturn has largely been temporary and followed by a sharp rebound. Case in point: 2008. In the aftermath of the global financial crisis, freehold properties were selling for around $430,000 on average and condos were being sold for $295,000. Within 10 years, these same markets had touched peaks of $940,000 for stand alone houses in Toronto and $565,000 for Toronto condos. In other words, on a compounded annual growth rate (CAGR) basis, freehold properties grew 8.1% annually over 10 years while the corresponding figure for condos was 6.7%. While these are staggering numbers by any metric, it is worthwhile to explore what they can mean to different types of buyers.

    For the first-time homebuyer, it goes to show that for the most part there is no better time than the present to get into the real estate market especially in major cities like Toronto, Mississauga, Vancouver, Calgary, and Ottawa, but the same goes for suburbs surround those cities. Suburbs near the Greater Toronto Area (GTA) such as Maple, Aurora, Woodbridge, Thornhill, Markham, Vaughan, Richmond Hill and other parts of York Region are considered by many to be strong markets to purchase homes and commercial properties in. So are Etobicoke, Mississauga, Brampton, Burlington, Hamilton, Barrie, Scarborough, Pickering Ajax, Durham Region, and more. While careful due diligence is advised on the timing of the entry point, the location, and pricing, the property markets generally are considered to represent a stable way to build equity over time and achieve solid returns.

    Rates:

    Rates:

    At Lez Gomez, we have cultivated relationships with a wide group of institutions and lenders across Toronto that can serve a borrower’s unique needs and constraints. We understand that when it comes to a mortgage, no family’s requirements and profiles are the same. We do not believe in a one-size-fits-all approach either when it comes to presenting mortgage options.

    Our Mission

    Our Mission

    Helping buyers get into their dream home and helping homeowners improve their financial situation is what drives us. The last ten years have catalyzed more change in the real estate and Canadian mortgage industry than any other period before them. With continuous innovations in technology and increases in the adoption of these technologies, we strive to be at the cutting-edge of digital transformation to streamline the homebuyer’s and homeowner’s experience from origination to delivery while upholding high standards of integrity and transparency.

    Why Work with Us?

    Why Work with Us?

    Competitive Rates: At Lez Gomez, you can rest assured that you are gaining the best rates available on the market. Through a combination of our deep lender relationships and volume discounts that we actively pass on to our customers to reduce costs, our pricing simply cannot be beat. You can find our low mortgage rates on Lez GomezMortgage.ca
    Speedy: Obtaining a mortgage can be a notoriously lengthy process. We understand that. That’s why one of our first goals was to simplify it to afford borrowers some peace of mind in an already hectic time. We provide advice at each step of the way to ensure that you are staying ahead of the curve at all times.
    Credit Issues: Getting rejected by lenders for credit that may be a little less than optimal? Contact our team of brokers today to see what options we can pull for you. We have worked with hundreds of specialized cases and can position you to turn your fortunes around with lenders!
    Self Employed and Business Owners: Over the years it has become more difficult for self-employed individuals and business owners to get approved for a mortgage through their regular banking institutions. At Lez Gomez, we also specialize in helping Canadian business owners and those who are self employed get great low rates on their mortgage even if the banks have turned them down.

    Mortgage Basics

    Mortgage Basics

    The world of mortgages can often seem like a mix of finance jargon. So below, we have put together a list of loan types that can be used by both first-time joiners of the real estate universe as well as people who have already bought a home.

    • Traditional Mortgages: These mortgages have a minimum 20% down payment requirement with the remainder 80% coming from the lender (i.e. the mortgage component).
    • High-ratio Mortgages: A high-ratio mortgage involves a borrower putting down less than 20% of the home’s purchase price, but at least 5% in initial equity. In this case, the lender providing the mortgage covers over 80% of the home’s initial purchase price. These high-ratio mortgages pose a great risk to the lender and therefor must be insured by one of the 3 mortgage insurers in Canada, Genworth, CMHC (Canada Mortgage and Housing Corporation), and Canada Guarantee.
    • Convertible mortgages: A convertible mortgage is one that enables the borrower to transition from a variable to a fixed rate or extend the loan term at any time without incurring penalty fees.

    HELOC: A home equity line of credit is a revolving credit loan secured against the equity in the home. Based on the appraised value of the home and the equity portion of this value, a maximum amount that is governed by the upper limit of the appraisal value is available to be borrowed.

    • Reverse Mortgage: These mortgages allow for equity in a home to be converted into cash while still occupying the property.
    • First-time Home Buyers Incentive: As the name indicates, this is an incentive program for buyers buying their first ever home. In this program, the government offers a shared equity mortgage which reduces the amount of monthly mortgage payments, but involves sharing a percentage of the increase in the equity value of the home when it is sold (or at the end of the mortgage term of up to 25 years, whichever comes first).