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IS IT THE BEST RATE OR THE BEST RATE FOR YOU?

You may see a rate advertised with a lender that's no longer available by the time you apply. What's more, certain rates are only available to clients with specific needs or credit qualifications. There's no way for you to know whether an advertised rate is what you'll end up getting.

We have good news for you! At The Mortgage Centre, we are able to sit down with you and help you determine what may be the best mortgage for you through a free analysis of your situation, needs, and goals. This analysis will take into account rate and features. Once we know what your needs are, we'll shop the market and to find a mortgage product that we believe will suit your needs.

Mortgage Guide : Text

DOWNLOAD GUIDE

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FIRST TIME HOME BUYER GUIDE

A step-by-step guide for first-time home-buyers

TOP 10 MORTGAGE QUESTIONS

We answer to your 10 Most Commonly Asked Mortgage Questions

MOVING TO CANADA MORTAGE

Moving to Canada? Plan Ahead for Homeownership

Mortgage Guide : Files
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LET ME SIMPLIFY THE WHOLE PROCESS OF GETTING THE MORTGAGE THAT'S RIGHT FOR YOU!

WE'LL FIND YOU THE BEST RATES

In spite of what other web sites may say, the only way to quote you the best-available rate that's accurate for your situation is to let me do a free analysis, then shop the market for you.

MORE CHOICE MEANS A BETTER FIT

We'll present you with a wide range features and rates from Canada's leading lenders so it's easy to find a mortgage that fits your needs exactly.

OUR ADVICE IS OBJECTIVE

Since we don't work for a lender, we're not motivated to lead you in only one direction. We'll analyze your needs, shop the market for the best available deals, then recommend the one that fits your needs best.

BROKER ADVANTAGE

We help you get a better deal. A mortgage broker works for you to shop the mortgage market, saving you time and money.

Mortgage Guide : Our Services
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TYPES OF MORTGAGES

CLOSED MORTGAGES

Closed mortgages generally have prepayment options of up to 20% of the original mortgage amount. If you decide to pay out, renegotiate or refinance before the end of the term of a closed mortgage, prepayment costs will be applied.

OPEN MORTGAGES

An open mortgage can be repaid at any time throughout the term, either in full or partially without paying a prepayment charge. Provides flexibility until you are ready to lock into a closed term.

CONVERTIBLE MORTGAGES

A convertible mortgage is similar to a closed mortgage, but gives you the option of converting to a longer, closed mortgage at any time without paying a prepayment charge. With this option you can generally make an annual prepayment up to 10% of the original mortgage amount.

HIGH-RATIO MORTGAGE

A high-ratio mortgage refers to a mortgage in which the borrower has a down payment between 5% - 20%. These mortgages require mortgage default insurance.

Mortgage Guide : Loans
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