I'm Aleksey Tsoy — after years inside CIBC and Scotiabank, I now work for you. Access competitive rates from 30+ of Canada's leading lenders, with advice tailored to your goals.
After years as a banker at CIBC and Scotiabank, I know how lenders price and approve mortgages — and I use that to your advantage. I'm not tied to any single bank; I compare Canada's leading lenders to find the rate and structure that actually fits your life.
I use my experience to get you a competitive mortgage offer — with full guidance and support throughout the process, from the first call to funding.
Most Canadians auto-renew at whatever rate their bank offers. I re-shop 30+ lenders so your next term starts on a competitive, market-tested rate — with a full penalty and break-cost analysis, at no cost to you.
Free Renewal ReviewFrom pre-approval to closing day — clear guidance, government programs, and a rate you can count on.
Lower your payment, consolidate high-interest debt, or unlock equity — on better terms than your bank will volunteer.
Financing built for rental portfolios, Airbnb properties, business owners, and contractors.
A free, no-pressure call to understand your goals, timeline, and numbers.
I review your income, credit, and down payment to see what you can qualify for.
Fixed or variable, term, and structure — a plan tailored to your life.
I shop 30+ lenders and negotiate to secure a competitive rate and desired terms.
I handle the paperwork through to funding — and check in at renewal.
Everything you need to go from renting to owning with confidence — clear guidance from pre-approval all the way to keys in hand.
Don't just sign the bank's renewal letter. I re-shop 30+ lenders so your next term starts on a competitive, market-tested rate.
Lower your payment, consolidate high-interest debt, or unlock equity for renovations and investments.
Structure financing for rentals, Airbnb properties, and second homes to grow your portfolio the smart way.
Business owner or contractor? I know the lenders and programs that understand your income.
Newcomer mortgage solutions with flexible requirements — welcome home.
Hi James — quick update: your application is in with Scotiabank and the appraisal is booked for Thursday. I’ll message you the moment it’s approved. — Aleksey
I run a modern, tech-driven practice. The moment your file moves, you hear it from me — automatically, by email and text, at every single step. No wondering where things stand. No following up. Just clarity, all the way to funded.
Play with real numbers. See your payment at different rates, or compare your current mortgage plus debts against a fresh consolidation.
Set your purchase details, then compare the monthly payment across a range of rates. With less than 20% down, CMHC mortgage default insurance is added automatically.
Your existing mortgage, plus any credit cards or loans you'd like to fold in. Each debt's monthly payment is pre-filled at an estimated minimum — 3% of the balance (at least $10), the typical credit-card minimum. Edit it to match your actual statement.
I roll your mortgage and debts into one. Play with the new rate and amortization.
Pre-filled as your mortgage balance plus all debts — type your own amount to override.
Estimates for illustration only. Debt payments are pre-filled at an estimated 3% minimum payment — actual minimums vary by product and lender. Consolidating can extend balances over a longer amortization, which can raise total interest paid. Book a call for exact, lender-verified figures. O.A.C.
How to avoid overpaying at renewal in Canada — what your bank's letter doesn't tell you, and how a re-shop works.
Get the guideWhich mortgage rate is right for you? The trade-offs, the break-even math, and how to choose for your plans — not a script.
Ask AlekseyUnderstanding how the stress test affects what you can qualify for in 2026 — a free 2-page guide, straight to your inbox.
Get the guideI recently worked with Alex at CIBC for my mortgage and I couldn’t be happier with the experience. From our very first conversation, Alex was professional, patient, and genuinely helpful. He took the time to understand my situation, explained all the options clearly (without any pressure), and guided me through every step of the process. He found me a great rate, handled all the paperwork efficiently, and made what could have been a stressful experience feel smooth and straightforward. Highly recommended — 5 stars
I can’t thank Alex Tsoy enough for the quality and courteous provided from onset to closing of refinancing my mortgage. I had difficulty with other banks but the moment l came across Alex he professionally dealt with my mortgage problems. I will highly recommend Alex Tsoy to anyone seeking mortgage renewal, refinancing or first time buyers as you won’t regret it. Thank you Alex.
I have worked with a number of mortgage brokers over the years, but my experience with Alex was the best I have had so far he communicated very well and kept me in the loop the whole time I was never left guessing, he was clear and concise with what was needed and next steps my experience was 5star +
Brilliant advisor, sticks to timelines AND GOT ME THE BEST INTEREST RATE compared to other top banks/advisors. Most importantly an amazing human! Thanks a lot for every obstacle you jumped for us Alex!
Alex is an outstanding mortgage broker. From day one, he made it his mission to find us the most competitive rate available. He took the time to explain our options and kept us informed every step of the way. If you’re looking for someone who truly looks out for your best interests, Alex is the person to call.
On the recommendation of friends, we contacted mortgage broker Alex Tsoi, and he met all our expectations. Alex was extremely professional and focused on meeting our client's needs. I highly recommend Alex; we were very satisfied.
It was a pleasure working with Alex Tsoy for a mortgage on my Downtown Toronto condo! Alex was professional, transparent, and very responsive! We really felt Alex was a partner throughout the process. Would definitely recommend using Alex as your mortgage advisor for any property in the GTA.
Alex helped me refinance my mortgage to CIBC and made the entire process smooth and straightforward. He's trustworthy, knowledgeable, and provided all the information I needed to make an informed decision. Highly recommend!
Alex is a great mortgage advisor, he promised us a good rate and work patiently with us during the process. I highly recommend him if you’re looking for a new mortgage or renewal.
I had an excellent experience working with Alex Tsoy at CIBC. Refinancing was challenging with other banks, especially since we were under a tight time crunch, but Alex stepped in and made it happen. He was knowledgeable, responsive, and truly went above and beyond to push the refinance through when it mattered most. Not only did he meet our deadline, but he also secured a much better rate than what I previously had. I would highly recommend Alex to anyone looking for a mortgage broker who genuinely advocates for his clients.
Advice and consultations are free. Once we start working on your file, compensation depends on the lender type that fits your situation: with banks and A-lenders, I'm paid by the lender at no cost to you. With B and alternative lenders, there are associated costs such as a lender fee and a broker fee — I disclose these upfront, before you commit to anything.
Please don't — at least not before a five-minute check. Renewal letters are often not the bank's most competitive offer. I re-shop 30+ lenders, run the penalty and break-cost math, and monitor your rate hold through to funding. If the letter holds up against the market, I'll tell you.
Very often, yes. There are stated-income programs for business owners and contractors, and newcomer programs with flexible requirements for PR holders. Being declined by one bank doesn't mean being declined everywhere.
Yes. I'm a licensed mortgage agent regulated under FSRA and held to strict professional and disclosure standards. Your documents are handled with bank-level encryption and secure document handling — your personal information stays private.
Book a free, no-obligation consultation. I'll review your numbers and map out your options together — whether you're buying, refinancing, renewing, or investing.
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