LeeAnn Roz Mortgage Associate

LeeAnn Roz

Mortgage Associate

2nd floor, 10354-68 Avenue (by appt.), Edmonton, Alberta









There are generally two ways to get a mortgage in Canada; arranging it yourself directly through a bank or allowing a licensed mortgage professional to do the work for you. While using a bank is a good option, they can only offer you mortgage products from their particular institution. A licensed mortgage professional has access to multiple lending options. This allows us to better serve you and find a solution to fit your specific situation.

Mortgage professionals work for you, not a bank; therefore, we always have your best interests in mind.

Whether you are wondering about a mortgage pre-approval to purchase a home, have a mortgage up for renewal, or want to transfer your mortgage to a new lender, I’m here to help. I can also provide financial solutions such as debt consolidation or assisting seniors who own their home but are having a hard time making ends meet.


I know what you are thinking…I don’t want to pay a mortgage associate to do this for me. Guess what?! From the initial consultation on, my services are free! 

A fee is only charged in the most challenging situations. It is especially under those circumstances that a mortgage professional can do for you what a bank cannot.


BLOG / NEWS Updates

Eat together to create healthy habits for your kids

Meals can be an important social outlet, whether its lunchtime in the cafeteria with coworkers to take your mind off the job or reconnecting with the family at Sunday dinner. But the benefits of eating together reach well beyond social interaction. Families who eat together eat better, so its no wonder that Health Canada recommends sharing meals with friends and family whenever possible. Karolina Otto, a registered dietitian with Real Canadian Superstore, shares a few of the best reasons to spend more time together around the table eating. Culture.Eating with family helps pass on food traditions. Expanding your food repertoire is an excellent way to try new things and experience other cultures first-hand. Social.Eating together fosters social connections. A paper from the Vanier Institute of the Family suggests that family meals are associated with benefits for youth, spanning mental health and literacy. Nutrition.Eating as a family is tied to healthier weight and superior food choices among children kids who eat dinner with their families also have more fruit and veggies and less unhealthy foods. Meal time with friends may also expand kids horizons since food choices are heavily influenced by role models like peers and parents. Security.Regular meal times provide reassurance for kids. Knowing theyll have breakfast or dinner at home is one less thing for them to stress out about in the morning or after a long day at school. Learn more and speak to your local dietitian at www.bookadietitian.ca. www.newscanada.com

Government Policy is Hurting Affordability

For years a headline story has been the increasing level of personal debt, which has now reached $1.70 for every dollar of disposable income. The latest numbers show that Canadians have $1.53 trillion in mortgage debt. For many rising mortgage rates will be a problem. In April, a MNP survey found that 25% of Canadian mortgage holders were already feeling the strain of higher rates. This is consistent with an IPSOS survey done in October after the first two interest rate hikes. At that time 42% of respondents said they couldnt afford an additional $200 a month in expenses with 70% saying they were already curtailing their spending. The latest increase in rates will mean more than $200 in extra monthly expenses for a good percentage of mortgage holders when they renew. Thats on top of higher gas prices, increased carbon taxes in BC and Alberta, higher car insurance rates in BC, property tax increases in every major urban centre and other mandatory cost increases from governments across the country. A significant number of mortgage holders will be forced to cut back discretionary spending, including retail, the auto sector and restaurants. This is one reason that the Bank of Canadas forecasts economic growth to slow to 1.9% this year and hit only 1.5% in 2019. The impact of higher mortgage rates will extend far beyond first time buyers given that 47% of Canadian mortgages have to be renewed in the next 12 months. Only 22% of current mortgages are for 3 years or longer, which means that 78% of Canadian mortgages must be refinanced and it will be at higher rates. For more information about your mortgage and how these changes will impact you, contact me.


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