Learn To Lower Your Mortgage.
Taking out a mortgage is one of the most significant financial decisions that Canadians make.
At Mortgage Low Down, you have access to the news, information, and expertise to make the smartest financial decision.
June 10, 2026
Canada’s economy continues to struggle for momentum.
However, there may be a silver lining regarding mortgage rates.
A mix of positive and negative data makes it hard to answer the key question: where are rates headed?
May 26, 2026
June 5, 2026
Increasing consumer debt is prompting homeowners to switch lenders more often. This climate shows that it’s more important than ever to work with a mortgage professional.
I Can Help You With:
Purchases (esp. First Time Home Buyers)
Refinances
Switches
Equity Take-Outs
Bridge Financing
Persistent inflation, high housing prices and economic stagnation have strained the finances of Ontario’s households. It’s more important than ever to work with professionals who can not only get you the ideal mortgage, but also advise you throughout the mortgage repayment term to help you reach your financial goals.
Why Work With Me? As a Licensed Mortgage Agent, I Can Help You.
Even after we initially work together, I will be available to assist you with any future needs related to your mortgage, such as refinances, equity take-outs, or even just advice and information.
I am always one call away!
Thanks to the partnership between Real Mortgage Associates Inc (my brokerage) and their affiliated lenders, I have access to low rates and special promotions.
As a mortgage agent, I typically receive a finder’s fee from lenders. This means that there are no fees for you and all consultations are free.
I will be dedicated to you and will give you frequent, regular updates on the status of your mortgage application. This is the type of service you won’t get at the bank!
About Me
My name is Joshua Ray, a Level 1 Mortgage Agent (M26000959) who is based in Kitchener-Waterloo. I work for Real Mortgage Associates Inc. (FSRA 10464).
As someone who studied Economics with a concentration in Financial Economics, I enjoy writing and learning about finance and the economy. I love to help people improve their finances by lowering their payments and managing their debt.
I can be reached by email at joshua.e.ray@outlook.com or you can call/text at 519-577-6190.