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Whether it is purchasing a home, a rental, vacation property or consolidating debt,

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JOSH PEREZ

Josh Perez is the Principal Broker and Partner at Synergy Mortgage Group. He started working at a big bank in 2009 becoming a Financial Advisor before transitioning to a Mortgage Broker in 2015. He's been recognized in Canadian Mortgage Professional's Top 75 Brokers in Canada in each of the last 3 years. His brokerage, Synergy Mortgage Group, which officially launched in 2020, was nominated for Top New Mortgage Brokerage of the Year and has funded over a billion in mortgage volume in the last two years. Josh with his team at Synergy and access to 60+ lender partners, is committed to providing expert advice and the best mortgage solutions.


Josh is also actively involved in real estate investing and presently owns 150+ doors spanning residential and commercial property, mainly in Ontario with a few active projects in Southwest Florida and Alberta. He started his investing journey in 2010 and is a big advocate of helping his clients, partners and inner circle build wealth through real estate and educating them on how it can help them accelerate reaching their financial goals.

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Services

  • Mortgage Solutions

    First-Time Home Buyers

    Rentals

    Commercial Properties

    Consumer Proposals

    Cashback

    Purchase+Improvements

    New Builds

  • Private Lending & Refinancing

    Renovations

    Debt Consolodation

    Investing

    Home Equity Line of Credit

    Down Payment Towards Another Purchase

    Short-Term Loan/Temporary Situations

    First and Second Mortgages

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Mortgage articles to keep you informed

Bank of Canada Holds Rate at 2.25% — March 18, 2026

By Josh Perez • March 18, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. For anyone watching the mortgage market — whether you're renewing, purchasing, or simply keeping an eye on borrowing costs — here's a breakdown of what was announced and what it may mean for you.

Is Now the Right Time to Buy? A Look at Canada's 2026 Housing Market

By Josh Perez • March 17, 2026
For many Canadians, the dream of homeownership has felt like a moving target. After years of market volatility, shifting interest rates, and economic uncertainty, you might be wondering: is 2026 finally the year to make a move?
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Home or Investment Property First? Why You Don't Have to Choose

By Josh Perez • March 16, 2026
Torn between buying a home or an investment property in Ontario? Discover the house hacking strategy that lets you do both — and boost your buying power.
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