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

10/10/2026

اونٹاریو، بی سی میں مشترکہ رہن سے خریداروں کی کامیابی
Let’s connect and talk about the latest insights in the industry!

Rent or buy: When does homeownership actually make financial sense?With more than 20 years navigating the lending landsc...
10/09/2026

Rent or buy: When does homeownership actually make financial sense?
With more than 20 years navigating the lending landscape, I’ve seen countless clients weigh the rent-versus-buy question. Building equity through homeownership can be a smart long-term move, but it’s important to recognize that upfront and ongoing expenses can put a strain on affordability. On the flip side, renting may sidestep those initial costs, yet high rents often make it tough to set aside savings for the future. Ultimately, the best financial decision is the one that works for your unique situation—balancing what you can truly afford with every expense in mind, while still leaving room for a financial cushion. There’s no one-size-fits-all answer, but with the right guidance, a tailored solution is always possible.


http://www.lezgomez.ca/agent-news/lez/2073677-Rent-or-buy%3A-When-does-homeownership-actually-make-financial

Home affordability finds its footing, but rising rates could change thatWith over 20 years in lending and underwriting, ...
10/08/2026

Home affordability finds its footing, but rising rates could change that
With over 20 years in lending and underwriting, I’ve seen firsthand how quickly the tides of home affordability can shift. In August, Canada’s average five-year fixed mortgage rate edged up to 4.55%. While this hasn’t significantly changed most monthly payments yet, the real story is that affordability is actually on the upswing—mainly because home prices have come down, especially in Toronto, Vancouver, and Montréal. For anyone weighing their next move, it’s moments like these that remind me how every financial situation is unique—and why having tailored solutions matters.


http://www.lezgomez.ca/agent-news/lez/2071620-Home-affordability-finds-its-footing%2C-but-rising-rates-could

10/07/2026

What to Know Before a Canadian Mortgage Application | Get Your Mortgage for a LilL*z!

10/06/2026

Who Qualifies for a Mortgage in Canada? | Get Your Mortgage for a LilL*z!

10/05/2026

Mortgage Rates Face a New Reality | Get Your Mortgage for a LilL*z!
With two decades in lending and underwriting, I’ve seen firsthand how shifts in mortgage rates can shape the experience for Canadian borrowers. Right now, with borrowing costs holding steady at elevated levels and uncertainty in the economic outlook, affordability remains a top concern for many. While the prospect of rate relief is on the horizon, any real improvement will hinge on factors like inflation, broader economic conditions, and the Bank of Canada’s next moves. Many buyers are understandably cautious—higher financing costs are influencing not just purchasing decisions, but also refinancing strategies and overall housing demand. In this kind of environment, it’s wise to build your plans around today’s financing realities, rather than betting everything on a future rate drop. My approach has always been to find solutions that work for your unique situation, no matter what the market brings.

Canadian Investors Prepare for Renewals with Informed PlanningWith over two decades of lending and underwriting experien...
10/04/2026

Canadian Investors Prepare for Renewals with Informed Planning
With over two decades of lending and underwriting experience, I’ve seen the mortgage landscape shift in many directions—but the upcoming wave of renewals is unique. About 12% of Canadian mortgages, especially those five-year fixed terms from the pandemic, are coming up for renewal, and the average payment increase is set to be around 15%. Add in rising oil prices and bond yields, and we’re looking at higher inflation and increased borrowing costs across the board. For homeowners, now’s the time to prepare for these changes. For investors, it’s important to keep a close eye on cash flow and consider diversification strategies to help weather these shifts. Having successfully financed thousands of deals, I know that with the right approach, there’s always a solution tailored to your situation.


http://www.lezgomez.ca/agent-news/lez/2055692-Canadian-Investors-Prepare-for-Renewals-with-Informed-Planni

Your Complete Guide to Buying a HomeAfter helping thousands of clients secure the right financing over two decades in le...
10/03/2026

Your Complete Guide to Buying a Home
After helping thousands of clients secure the right financing over two decades in lending and underwriting, I've seen how overwhelming the home buying journey can feel. Breaking it down into clear, manageable steps can make all the difference: start by researching homes, set a realistic budget, and secure pre-approval. Then, compare lenders and properties—this is where a tailor-made solution really pays off. From submitting offers and inspections to closing the deal, maintaining your new home, and planning ahead for repairs and retirement, each stage matters. With the right approach, your path to homeownership becomes a series of smart, informed decisions.


http://www.lezgomez.ca/agent-news/lez/1960359-Your-Complete-Guide-to-Buying-a-Home

Bank of Canada rate decision: hold expected as trade war and inflation collideWith over two decades of lending and under...
10/02/2026

Bank of Canada rate decision: hold expected as trade war and inflation collide
With over two decades of lending and underwriting experience, I’ve seen how global events directly affect our mortgage landscape. July’s CPI increase to 3.0% has made a Bank of Canada rate cut less likely for now. It’s a reminder that mortgage rates can shift quickly—especially as trade tensions and inflationary pressures collide. If trade disputes drag on, recession concerns could nudge rates down; but tariffs may push them up instead. Bond yields are already showing just how sensitive the market is to these developments. Navigating these uncertainties is all about finding the right fit for your unique situation, which is always my focus.


http://www.lezgomez.ca/agent-news/lez/1959498-Bank-of-Canada-rate-decision%3A-hold-expected-as-trade-war-and

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Oshawa, ON
L1N1C4

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Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm

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