Terms of Use
Last Updated: May 2026
1. Acceptance of Terms
Welcome to Dominion Lending Centres Homestead Financial. Please read this agreement (“Agreement”) carefully before accessing or using our website, https://homesteadfinancial.ca/ (the “Site”). By accessing or using the Site, you agree to be legally bound by these terms.
Dominion Lending Centres Homestead Financial (Ontario Mortgage Broker Licence #11711) and our affiliates provide the information and services on this Site on the condition that you accept these terms without modification. If you do not agree to these terms, you may not use our Site.
Age and Location Restrictions: This Site is applicable to, and should only be used by, individuals who are 18 years of age or older and reside within Canada. Access or use of this Site by minors under the age of 18 or from locations outside of Canada is strictly prohibited.
2. Informational Purposes & Not a Binding Offer
The resources, calculators, and services provided on this Site are for informational purposes only and do not constitute legal, accounting, or professional financial advice.
Please note that submitting an inquiry, using our online calculators, or filling out a contact form does not constitute a binding offer to lend, nor does it guarantee mortgage approval. All mortgage approvals are subject to strict underwriting guidelines and final lender approval. No interest rate is guaranteed unless a separate, formal mortgage pre-approval application is submitted and legally accepted by a specific mortgage lender.
3. Online Applications & Credit Consent
If you choose to submit a formal mortgage application through our Site or via our team, you agree to the following terms of application:
- Accuracy: You warrant and confirm that all information provided in your application is true, accurate, and complete.
- Authorization: You understand that your information will be used to determine your credit eligibility. You authorize DLC Homestead Financial to obtain any information required for these purposes from outside sources, including credit reporting agencies.
- Disclosure: You consent to the disclosure of your application data and subsequent credit history to potential mortgage lenders, insurers, and necessary service providers in order to process your mortgage request.
4. Brokerage Fees and Compensation
We believe in total transparency regarding how we are compensated. In most cases, the services provided by our mortgage brokers are completely free to you. When dealing with ‘A’ lenders, our brokerage is paid a commission directly by the lender when your mortgage funds, based on the size of the mortgage.
When dealing with ‘B’ lenders (sub-prime lending) or private lenders, the lender typically does not pay the mortgage broker. In these instances, a brokerage fee is charged. We will only explore ‘B’ or private lending options if you do not qualify for ‘A’ lending. If a fee applies, it will be fully disclosed and discussed with you upfront so you can make an informed decision. Often, this fee can be rolled into the mortgage so it does not require out-of-pocket payment. There will never be hidden surprises.
5. Privacy
Your privacy is a priority for us. To understand how we collect, use, and safeguard your personal information, please review our comprehensive Privacy Policy. By using this Site, you acknowledge and agree to the data practices outlined in our Privacy Policy.
6. Intellectual Property & Acceptable Use
All content, design, layouts, calculators, and materials on this Site are owned, copyrighted, or licensed by DLC Homestead Financial or our suppliers. All rights are reserved.
- Permitted Use: You may access, download, and print materials from this Site strictly for your personal, non-commercial use.
- Prohibited Use: You may not modify, reproduce, distribute, display, sell, or frame any information or tools obtained from this Site on another webpage. Furthermore, automated data collection practices, such as "screen scraping" or "database scraping," are strictly prohibited. You agree not to attempt to access secure, password-protected, or non-public areas of this Site without authorization.
7. Third-Party Links
Our Site may contain hyperlinks to external websites operated by third parties. These links are provided for your convenience only. We do not endorse, control, or take responsibility for the content, accuracy, or safety of any third-party websites. You access these external sites entirely at your own risk. We strongly recommend reviewing the Terms and Privacy Policies of any linked websites you visit.
8. Disclaimer of Warranties
You use this Site at your own risk. While we make every effort to keep the information on our Site accurate and up-to-date, DLC Homestead Financial cannot guarantee the absolute accuracy, completeness, or timeliness of the information provided. All content, tools, and services on this Site are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.
9. Limitation of Liability
To the maximum extent permitted by law, in no event shall DLC Homestead Financial, its owners, employees, affiliates, or suppliers be liable for any direct, indirect, incidental, special, or consequential damages arising out of, or in any way connected with:
- Your use of, or inability to use, this Site;
- Any decisions made or actions taken based on the information provided on this Site;
- Any technical failures, delays, or viruses acquired from this Site or third-party links.
10. Indemnification
You agree to indemnify, defend, and hold harmless DLC Homestead Financial, its affiliates, and its suppliers from any and all liabilities, losses, claims, and expenses (including reasonable legal fees) that arise directly or indirectly from your violation of this Agreement or your misuse of this Site.
11. Modifications to the Terms
We reserve the right to modify or update this Agreement at any time to reflect changes in our business or legal requirements. Any modifications will be effective immediately upon posting to this page. Your continued use of the Site following the posting of an updated Agreement constitutes your binding acceptance of those changes.
12. Governing Law & Miscellaneous
- Jurisdiction: This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any legal action or dispute arising from this Agreement shall be brought exclusively in the courts located in Ontario.
- Severability: If any provision of this Agreement is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that specific provision shall be deemed severed from this Agreement and will not affect the validity and enforceability of the remaining provisions.
- Entire Agreement: This Agreement, along with our Privacy Policy, constitutes the entire agreement between you and DLC Homestead Financial regarding your use of the Site.
- Waiver: Any failure by DLC Homestead Financial to strictly enforce any provision of this Agreement shall not be considered a waiver of that right or provision.