My Rates

6 Months 3.10%
1 Year 2.29%
2 Years 2.14%
3 Years 2.24%
4 Years 2.39%
5 Years 2.44%
7 Years 2.99%
10 Years 3.59%
6 Months Open 3.10%
*Rates subject to change and OAC
Lei Villar-Cisneros Mortgage Agent

Lei Villar-Cisneros

Mortgage Agent

1024 Kennedy Rd, Toronto, Ontario








It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

Top 10 Tips For Your 2013 Personal Finances

As 2013 draws closer, it's a good time to start thinking about your personal finance resolutions so you can look forward to a prosperous year. When it comes to New Year resolutions, financial goals regularly make it into the top 5. However, as many of us do not sort out our basic finances, it is difficult to stick to our resolutions and many give up on their plans to save more or spend less after just a few weeks. So what should you do to prepare for 2013? 1. Edit your bank account Start with the basics. Get on top of where your money goes and it will be easier to plan ahead. Four in 10 of us do not even keep track of our direct debits, so we could be paying for things we no longer need. 2. Make the most of low interest rates 2013 is set to see interest rates remain at their historical low so do not miss this opportunity. Switch borrowing to a lower rate and if you can afford to set up or increase your direct debit to clear more from your mortgage (provided you can do so without penalty). Even $50 a month adds up over the term. 3. Check your life cover and make a will Many of us have no cover at all and more than half of us do not have a will. Find out more about the types of Life Insurance Plans available to you and learn how you can protect your loved ones. 4. Clean up your credit file You can check your credit file for free once a year from Equifax Canada (equifax.ca or transunion.ca) or if you want to know your score, it will cost you around $24. Clear or close any accounts you no longer use. It will improve your credit rating and reduce the risk of fraud. But before you do, make sure you read my next week’s tip on how to spot identity theft. Add my email to your contacts to ensure you will receive my weekly tips in your inbox. 5. Consolidate your savings If you have several accounts it is harder to keep track of your cash. Put your savings into one tax-free cash ISA and shop around for the best deal. 6. Ditch the high-cost debt If you still have a credit card that charges interest, it is about time you switched to a zero-percent deal. Store cards charge the highest rates, so if you borrow on one of these consider cutting them up – or better still, stop borrowing on cards at all. 7. Go for cash back If, however, you are one of ten who clears their credit card balance in full each month, make the most of cash back cards to earn money on everything you spend. 8. Review your pension(s) Many of us do not even know where our pension is invested, let alone if it will provide us with a decent income in retirement. It’s time to track yours down and check if it’s on track. 9. Now you can start to set yourself some financial goals for 2013 Start thinking about what you want to achieve. To have no more credit card debts? To reduce the mortgage by $3,000? To start saving $50 a month? Be as specific as possible and put a date when goals should be accomplished. 10. Finally, devise a budget Work out how you are going to achieve these goals. Remember they need to be realistic or – like a diet – you will give up if you starve yourself financially. Now you are ready to welcome 2013. (Source: The Telegraph)

Small Steps, Big Savings: What You’re Wasting Most

Living more conservatively and adopting sustainable habits doesn’t have to be hard. In a post at thenest.com, “Top Things You’re Wasting — and How to Stop,” editors compiled dozens of simple ideas for saving energy, water, trees, and more. So what are Americans excessively wasting? Here are a few of the things we waste the most and how we can stop: Water: The price and usage of water varies considerably depending on where you live, though a survey by Circle of Blue, an international network devoted to the global freshwater crisis, claims all Americans should expect rising costs as sustainability continues to be a concern. In “The Price of Water: A Comparison of Water Rates, Usage in 30 U.S. Cities,” Circle of Blue suggests that people became accustomed to lower water prices and so fail to see there’s a connection between cost and sustainability. Preserving resources comes at a price. Best ways to waste less? •Take shorter showers •Turn off the tap when you brush your teeth •Only run the dishwasher when it’s full •Do full loads of laundry, not a little here and there Paper towels: Not only are disposable towels and napkins costly, but they contribute to landfill waste, polluting water and soil. Think about how often you reach for paper towels, then add in napkins and you’ll see how quickly a roll can disappear. Best ways to waste less? - Use cloth towels and reuse them until you absolutely have to launder them. Switching to cloth for cleaning up spills can save you up to $1,000 per year, according to growingagreenfamily.com. Plastic bags: The EPA estimates that just 9 percent of plastic bags are recycled, and each year the U.S. produces enough to cover the state of Texas, according to thenest.com, adding that most plastic bags are not biodegradable. Best ways to waste less? •Purchase a reusable tote for grocery trips •Don’t double-bag in plastic if you find yourself tote-less and the only option’s plastic •Invest in a lunch bag Disposable razors: Anyone shopping for razors at the drugstore knows how expensive these things are, and yet EPA estimates claim 2 billion blades end up in landfills annually. While no one’s suggesting you stop shaving, it’s clear more can be done to curb consumption. Best ways to waste less? •Splurge on an electric razor. It will pay for itself in the long run •Preserve disposable blades by drying them out after each use


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