Hi there — and welcome

Hi, I'm Leah.
Let's get your mortgage right.

Mortgage Broker Chief Operating Officer at Mortgage Outlet

When the Bank of Canada moves, Canada's financial press calls me. When you're trying to figure out a renewal letter or your first home — I'm at my desk, ready to call back. I've been quoted across hundreds of articles, for the same reason I keep a low-volume practice: I explain things the way they actually work.

Featured across hundreds of articles in Canada's financial press
Start your application → Meet me first
Ask me a thousand "silly" questions. They're never silly.
Leah Zlatkin Leah Zlatkin
FSRA M18002377
4.9 · 200+ reviews
P.S. — I read every
message myself.
Hundreds
of articles, including:

The newsrooms that call when rates move:

Toronto Star BNN Bloomberg Globe & Mail Financial Post CTV CBC CP24 Newsweek Canadian Press CMP Magazine
Leah Zlatkin
2025 CMA Excellence Awardee
A few words from me

Pleased to meet you. I'm Leah.

I'm a licensed mortgage broker — and the Chief Operating Officer at Mortgage Outlet Inc., one of the largest independently owned brokerages in Ontario. I've spent the last decade helping families buy, refinance, renew, and renovate. About once a week, you'll catch me on TV or in print explaining what the Bank of Canada just did, in language that actually makes sense.

But the work I love most happens at kitchen tables and on phone calls. A first-time buyer who feels overwhelmed. A renewal letter that someone is about to sign without negotiating. A reverse-mortgage question from a parent. That's my favourite part of the job: making people feel less alone with the numbers.

CMP Women of Influence CMP Rising Star Past President, CMBA-Ontario Licensed BC · AB · NB · NS · ON
"I read every message myself. No call centres, no auto-replies."
— Leah
Lessons from @myfamilysbroker

Learn with me — no jargon, promise.

The same little explainers I post on Instagram, but written down so you can keep them. New lessons land every week. Send me a question and it might become the next one.

5 min read

So, what's a stress test, really?

It's not personal. It's the bank pretending interest rates are higher than they are, just to make sure you'd still cope. Here's how it actually works.

Read the lesson →
7 min read

Fixed vs. variable, explained.

The boring answer is "it depends." The useful answer is "let me show you the three numbers that should drive your call." Here they are.

Read the lesson →
4 min read

Renewing? Here's what to watch for.

If your renewal letter says "accept this rate to renew" — that's not a conclusion. It's an invitation to negotiate. Let's open it together.

Read the lesson →
8 min read

First home? Start here.

FHSA, HBP, the down-payment math no one explained, and the federal programs you probably didn't know you qualify for. The one-stop primer.

Read the lesson →
Recognized

A decade of peer-recognized work.

CMP Women of Influence 2021 CMP Rising Star 2023 CMP Top Mortgage Employers 2023 CMBA Ontario, Elected Board Member Canadian Mortgage Awards Mortgage Awards of Excellence
How I can help

Whatever stage you're in, I've sat with someone like you.

I work across every stage of homeownership — from the day you start checking listings, to the day you decide your reverse mortgage is the right way to retire on your own terms.

First-Time Homebuyers

From "I think I want to buy" to keys-in-hand. Pre-approval, the FHSA, federal programs, and the closing costs nobody warned you about.

01 Read the guide →

Refinancing & Renewals

If your renewal letter feels like an ultimatum, it isn't. Bring me the letter and we'll see what your bank is hoping you won't ask.

02 Read the guide →

Reverse Mortgages (55+)

A real conversation about what one is, what it costs, and when it actually makes sense. No pressure. Often the answer is wait.

03 Read the guide →

Home Renovation

Roof, kitchen, basement suite, accessibility build — we can structure financing so the project doesn't squeeze your monthly cash flow.

04 Read the guide →

Debt Consolidation

If you're carrying multiple high-interest debts, your home equity may be a lifeline. We'll run the numbers honestly — including when it's not the right move.

05 Read the guide →

Stopping Power of Sale

If your lender has issued a notice, time matters. Call me first — we have moved very fast for families in this position before.

06 Read the guide →
From recent coverage

What I've been saying in print.

A sample of recent features. The full archive lives in the press section — below are just a few quotes where I weighed in on what mortgage borrowers actually need to hear. Usually with a deadline. Usually not what the bank wants you to hear.

Hundreds of articles across Canada's financial press — here's a small slice.
“

The cheapest rate at the top of the page isn't always the cheapest mortgage across five years.

Leah Zlatkin, in
Toronto Star
Feb 2026
“

Variable-rate mortgages are rising in popularity as global turmoil pushes up fixed rates.

Leah Zlatkin, in
Toronto Star
Feb 2026
“

Mortgage borrowers who held out for lower rates are paying the price.

Leah Zlatkin, in
Financial Post
Jan 2026
“

Parents co-signing for their child's mortgage is fraught with risks.

Leah Zlatkin, on
BNN Bloomberg
Sep 2025
“

We don't shop rates. We price decisions.

Leah Zlatkin, in
CMP Magazine
Aug 2025
“

A renewal letter isn't a conclusion — it's an invitation to negotiate. Most homeowners don't realize they have leverage until they pick up the phone.

Leah Zlatkin, in
Globe & Mail
Mar 2025
From the families I've worked with

What clients say.

4.9 on Google 200+ reviews and counting

"Leah walked us through our first home like she was sitting at our kitchen table. Patient, never rushed, and she actually answered the phone — on a Sunday."

M
Maya & Daniel R.
First-time buyers · East York

"My bank's renewal offer was 0.85% higher than what Leah found. She walked me through the math, told me what to ask for, and stayed on the line. Saved me thousands."

P
Priya S.
Renewal · Mississauga

"Leah looked at my parents' reverse mortgage situation and told us straight: 'Wait six months, and here's why.' She lost a sale and earned our family for life."

J
Jonah K.
Family planning · North York
Ready when you are

Have a question? Let's talk.

No script, no pressure, no jargon. Send a quick note or start an application and I'll come back to you, usually the same day. If your situation is urgent, please say so — I will treat it that way.

Start your application → Send me a note instead