Mortgage Agent Level 2 · Mortgage Intelligence
Independent mortgage advice in Toronto and the GTA
Finding the right mortgage should feel like a clear, strategic plan built around your life. I'm Alejandro Libaque, a Level 2 Mortgage Agent with Mortgage Intelligence in Toronto and the GTA, and I compare 55+ lenders, from banks to alternative options, to help you buy, renew or refinance without high-pressure sales.
5.0 from 49 Google reviewsRun your numbers
Canadian Mortgage App
- Mortgage paymentYour payment at any rate, amortization and payment frequency.
- Purchase and down paymentThe minimum down payment, mortgage insurance and your total monthly cost.
- Maximum mortgageThe largest mortgage you could qualify for under the stress test.
- Land transfer taxOntario and Toronto land transfer tax, with the first-time buyer rebates.
- Renewal or switchCompare your lender’s renewal offer with switching to another lender.
- Closing costsLegal fees, taxes and everything else due on closing day.
- Lenders compete for you
- One review compares 55+ banks, credit unions, monoline and alternative lenders, so you don’t have to shop around yourself.
- In English or Spanish
- The whole process, from the first call to closing, in the language you are most comfortable with.
- Nothing out of pocket
- On most standard mortgages the lender pays my compensation, so the advice costs you nothing. Any fee on a private file is explained in writing first.
- Licensed and five-star rated
- FSRA Mortgage Agent Level 2 (licence M20002873), with 49 Google reviews, all five stars.
What can I help you with?
Buying, renewing, refinancing or a file the bank said no to. Pick yours and see the rules that apply.
Your term ends in
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Your mortgage runs on a clock.
Start reviewing your options 90 days before your term matures. On a renewal, that is how long a lender can hold a rate for you, so we can lock one in and keep watching the market up to your renewal date.
Pick the month your term ends on the dial to see when that window opens.
Why work with an independent agent?
Unlike single-bank advisors who can only offer their own branch products, an independent agent compares the market on your behalf.
What do clients say?
5.049 Google reviewsWe had a wonderful experience from beginning to end with Alejandro. This was our first home purchase, and he walked us through all the steps and choices to be made with thorough explanations. He also got us an amazing rate!
“Alejandro is a very professional mortgage advisor. I am very happy and lucky that he helped me and my family to find a better option for our mortgage. A mortgage that fits our needs. We needed to renew, in a time where rates are higher than 5 years ago. Alejandro was very kind, sympathetic and understood what we needed. He looked for the best and even got a lower rate VS what the banks were rating me for. Definitely I recommend you have a call with him, he will walk you through the options and also explain in different ways to maximize your money and pay your mortgage faster.”
“We were lucky to have Alejandro Libaque as our mortgage agent, and we couldn’t be more grateful. From the very beginning, he demonstrated outstanding professionalism—he was punctual, clear, honest, and always available to answer our questions. He also supported us in Spanish language, which was invaluable as an immigrant. Thanks to his knowledge and dedication, we were able to secure an excellent rate for our home purchase. Alejandro not only guided us through every step of the process, but also offered an exceptional human touch, making us feel supported and in good hands at all times. He truly exceeded our expectations, and we highly recommend him to anyone looking for reliable and efficient mortgage support.”
“I have had only positive experiences working with Alejandro. As a realtor, I feel completely comfortable recommending him to my clients who always speak very highly of Alejandro after using his services. He stays on top of things and is always in constant communication to make sure you're in the loop. He has his clients best interests in mind and makes sure to educate them on what the best course of action may be. I highly recommend him and his services!”
Alejandro Libaque
Mortgage Agent Level 2
Lic. M20002873
One agent from the first call to closing, and well after it.
I evaluate your overall financial picture before suggesting loan structures, terms or lenders. Guidance does not stop when your mortgage closes. I keep track of market shifts and reach out well ahead of renewal dates to keep your plan on track.
- Clear and direct communication
- Bilingual support
Run the numbers first.
All calculatorsQuestions, answered
How much does it cost to work with a mortgage agent?
For most standard mortgages, my compensation is paid by the lender I place your mortgage with, so you pay nothing out of pocket. Fees can apply on some private or non-traditional files, and I explain them in writing before you sign.
How far in advance should I get pre-approved?
Start 60 to 90 days before you begin active home hunting. That gives us time to review your documents and hold a rate while you shop.