Changing how Canadians think about mortgages—from chasing rates to actively 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
Canada-Wide
Advisory Firm
Active Management
Not Autopilot
Cost Reduction
Minimized Interest
Mortgages Lab® is Canadian Mortgage Broker licensed in BC, AB and ON focused on helping you actively manage your mortgage instead of letting the bank manage it passively on autopilot. Banks optimize mortgages for their long-term profits, which means you end up paying hundreds of thousands more in interest. We reverse-engineered the process to minimize your cost of borrowing or cost of credit.
Why We Exist
The Problem
Most people are taught that a lower mortgage rate means less interest paid.
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 exist to help Canadians reduce their cost of credit and increase their net worth by actively managing the mortgage.
What Makes Us Different
We don't start with rates. We start with planning.
Traditional Approach
Starts with mortgage rates
Rate Shopping
Focus on finding the lowest rate
Bank Profits
You're following the bank's plan—not your own.
Set & Forget
Passive Management (example every 5 years)
The Mortgages Lab® Way
We start by shifting your focus—from mortgage rate to total cost of credit.
Reduce Interest
By minimizing your mortgage cost of credit
Reduce Risk
By helping you actively manage your mortgage—without complexity or guesswork.
Increase Wealth
By shortening the number of years of your mortgage
Proprietary Tools
These tools help you actively manage your mortgage and reduce your cost of credit 10X better than rate shopping alone.
Our focus isn't creating mortgages.
It's helping people eliminate them.
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.
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
20+ years of mortgage experience
Trained 100+ mortgage agents across Canada
Former mortgage manager for TD Canada Trust
Past President of Canadian Mortgage Broker Association - BC
Author of From Debt to Zero
Trademarks
P.A.Y.O.F.F™, L.A.B™, M.A.P™ are Trademarks of Mortgages Lab®
Built on Real Experience
20+ years of working with real mortgage scenarios and helping Canadians achieve financial freedom
Our job finishes when you say:
"My mortgage is paid in full."
Calculate My Cost of Credit
Discover how much interest you're paying the bank over the life of your mortgage
Get Started