Changing how Canadians think about mortgages.
Stop chasing rates. Start managing the true cost of credit.
Our Mission
To change how Canadians think about mortgages—from chasing rates to actively managing the true cost of credit.
Our Vision
A future where Canadians actively manage their mortgages to their benefit and no longer overpay interest to banks by default.
Who We Are
Mortgages Lab® is a licensed Canadian Mortgage Broker focused on helping you actively manage your mortgage instead of letting the bank manage it passively on autopilot.
Canada-Wide
Serving clients across Canada
Active Management
Not passive banking autopilot
Cost Reduction
Minimize your cost of credit
Why We Exist
The Problem
Most people are taught that a lower mortgage rate means less interest paid. Banks optimize mortgages for their long-term profits, which means you end up paying hundreds of thousands more in interest.
The Solution
We optimize your total cost of credit, not the rate, so you minimize the interest you pay to the bank over time. We reverse-engineered the process to minimize your cost of borrowing.
How We Work
Calculate your Cost of Credit
Understanding how much you're paying the bank is the first step.
We Draft Your Proposal
A customized proposal based on your financial situation to determine whether we're a fit.
We create a MAP™
Your Mortgage Analysis Plan to reduce your Cost of Credit.
Implementation
We guide you as you put the plan into action and adjust it over time.
Why Clients Trust Us
Camilo Rodriguez
Founder & Mortgage Expert
P.A.Y.O.F.F™, L.A.B™, M.A.P™ are Trademarks of Mortgages Lab®
From Debt to Zero
By Camilo Rodriguez
The bank's business is to create mortgages. The purpose of this book is to help you erase them.
Get the Book