Mortgage Broker in Ontario
Get a better mortgage experience than you will get anywhere else.
Welcome to Dominion Lending Centres Homestead Financial, where we achieve your home buying and mortgage financing goals.
If you're buying a home, refinancing, or renewing, we'll get you the perfect mortgage for your unique needs.
With us, you're not just another client... you're family. And we are there for you every step of the way.
Take the First Step Towards Your Mortgage Goals Now!
Dominion Lending Centres
Homestead Financial
Expert Advice at Your Fingertips
We have over 25 years of experience and we have funded over 2,500 mortgages. We know how each of the lenders work, their strengths and weaknesses, what to look out for, how to get you approved for more, and with the lowest rate possible.
25 Years of Mortgage Broker Experience
Over 2,500 mortgages funded
Navigate Your Mortgage with Confidence and Ease
Facing a mortgage decision? Feel the weight lifting off your shoulders as you realize you don't have to face it alone.
With us, you don't just receive guidance – you gain a partner. You don't have to spend countless hours deciphering terms, analyzing rates, or worrying about making the right decision. We'll do it all for you.
From start to finish, our experienced team takes the reins, making your mortgage process incredibly easy. We'll handle the details, provide you with personalized advice, and keep you informed without overwhelming you.
Our Service is FREE
Take full advantage of our 24 years of experience and mortgage expertise for FREE!
We are paid by the bank, and only after your mortgage has funded.
Yes, that means sometimes we don't get paid for our efforts, but we're okay with that.
Yes, we understand that sometimes you just want some information from an expert and aren't ready to get your mortgage immediately, and we're okay with that too. We'll be here for you when you're ready.
The only time a brokerage fee would be applicable is if we need to use a subprime lender or a private lender to achieve your goals. We will discuss this if applicable and there will be no surprises or hidden fees.
You Don't Need to Change Your Banking
You do not need to open a new bank account or change your banking habits.
Keep doing what you're doing now and still enjoy all the same benefits.
Unbeatable Rates
Imagine the joy of securing the perfect mortgage rate, customized to your unique needs. Our dedicated team at Dominion Lending Centres is here to turn that dream into reality.
What's the best rate for you? It depends on many things. These include the type of property, property value, mortgage type, whether it's insured, insurable, or conventional, the loan-to-value, and the term and amortization length. Plus, things like your options at renewal, whether you can transfer your mortgage to another property if you move, and how the penalty for early payout is calculated.
You might find it surprising, but sometimes the lowest possible rate available can end up costing you more money in the end.
Our job is to save you the most money as well as get you the best rate.
We're serious about getting you the best rate, saving you the most money, and giving you the best experience so that you will be a repeat client, refer your friends, and never have buyers remorse.
Beware of advertisers who bait you with seemingly attractive low rates, only to disclose later that it comes with unideal terms, or has strict eligibility.
We believe in transparency and trust, not bait-and-switch tactics. As part of one of Canada's largest mortgage company, Dominion Lending Centres - the #1 originators of mortgages in Canada (more than any of the big banks), we leverage our volume discounts to pass incredible savings on to you.
Get Your Questions Answered Quickly and Thoroughly
We genuinely care about you and your success. You are never bothering us with your questions. If you have more questions, keep them coming!
Having a hard time understanding something? We will give you as much personal attention as you need to feel absolute confidence.
Anywhere in Ontario
We have clients all over Ontario so you too can enjoy our 5-star service wherever you live in Ontario.
If you want to meet in person we can, however it's not required.
Everything can be done from the comfort of your home using your preferred communication type: Email, Phone, Text, FaceTime, Zoom etc.
Self-Employed Borrowers Are Welcome
Self Employed? No Problem. Mortgages for self-employed borrowers are one of our specialties. Even if you're newly self-employed there are options for you. Get started with us now and learn how we can help.
Credit Blemishes Are No Problem
Whether you're purchasing or refinancing, there are still options even if you have credit issues.
There's no judgment from us we just want to help get you on the right track.
Don't let a credit blemish stop you from achieving your financial goals.
Approvals based on equity are also an option. If we can't get you an approval, chances are no one can.
Discover Your Mortgage Options Now.
FAQs
What is the difference between a mortgage broker and my bank?
When you work with a mortgage broker, you get access to a variety of mortgage products. Mortgage brokers work with a variety of lenders, which allows them to find the best mortgage for you. This is in contrast to banks, which can only offer their own products.
Buying a home, refinancing, or renewing your mortgage can be one of the biggest financial decisions you ever make, so it's important to get professional, unbiased advice.
A mortgage broker works for you, not the bank.
Working with a mortgage broker is also more convenient. Bank employees typically have quotas for the number of in-person appointments they must have each week, which wastes your time.
We know you’re busy and won't make you drive out of your way for an in-person meeting unless that's what you want. You can get started in minutes with our online mortgage application, from anywhere.
According to a 2019 Canada Mortgage and Housing Corporation (CMHC) survey, mortgage brokers represented 47% of total mortgage originations in 2019, up from 40% in 2009 and up from 26% in 2003. This means that more and more people are catching on to the benefit of working with an experienced mortgage broker. Get Started Today!
We Serve Everyone!
Are there fees to use a mortgage broker?
There are no additional fees to use a mortgage broker. Mortgage brokers get paid by the lender based on the mortgage amount, ensuring our services are free for you to enjoy. In cases of subprime and private lending (typically related to credit issues or unverifiable income), there may be a fee depending on which lender is chosen. There are no hidden fees. We maintain full transparency and disclosure throughout the process. Schedule your complimentary consultation today!
Are You Government Licensed?
Yes! Dominion Lending Centres Homestead Financial is a licensed mortgage broker in Ontario. Great question. Our license number with the Financial Services Regulatory Authority of Ontario (FSRA) is 11711. FSRA was previously called the Financial Services Commission of Ontario (FSCO). Verify we are licensed on the FSRA website.
What documents will you require?
The documents we need will depend on your goal and situation. The most important documents are proof of income and proof of down payment (if purchasing). Once we understand your situation we will provide you with a full list of the documents that will be required. Get Started now and find out!
How does your privacy security compare to other brokers?
We understand the paramount importance of privacy and confidentiality in the mortgage business, and we've taken extreme measures to ensure your data's security. Our email system is powered by Google Workspaces, utilized by government agencies, and Fortune 500 companies, employing the highest standards of encryption technologies like TLS and S/MIME. But we don't stop there.
Our client data is stored securely through Salesforce, a platform recognized for its high level of security. With Salesforce, your data is never left vulnerable it's secured in an impenetrable vault. We take pride in having never experienced a data breach or privacy issue since starting as a mortgage professional in 1999.
Being technologically proficient, we continuously evolve and ensure that our security measures are always at the highest standard. Your security and confidentiality aren't merely promises; they are our core values. Your data is not only safe with us but guarded with an unmatched level of protection that sets us head and shoulders above less technology competent competitors who might leave your data sitting in an excel file on their laptop computer. Trust us with your financial future; we'll protect it as if it were our own.
Can we meet in person?
Yes, we can. We're located in Waterdown, Ontario. However, we do work with clients all over Ontario without ever meeting in person.
We understand people are busy and scheduling an in-person meeting can be a burden. Everything can be done from the comfort of your home using your preferred communication type: Email, Phone, Text, FaceTime, Zoom etc. It's up to you!
Do you have private mortgage lenders available?
Yes, we do. We have access to multiple private mortgage lenders across Ontario with competitive rates and terms.
We have access to over 35 lenders, including banks, credit unions, trusts and private lending options.
Learn Your Mortgage Options Today!
Testimonials
Chelsea McShane
Rick Katerenchuk
John Liotta
Leah Hyslop-Personal
Greg Risebrough
Grace Kas
Jeannette Macfarlane
Corrie Rabey
Jason Mcclelland
Frank Phillips
yll konjufca
Darren Heaft
JACK VAN IMPE
Katie Meagher
Mike Schenk
Mina Botros
Chris Kemp
Gene Roe
Alexandra Murzin
Wayne P
BOB KYDD
J Stainton
Scott Smith
Susan Healy
Sherry Joseph