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Your Trusted Mortgage Broker in St. Catharines

Certified Mortgage Broker in St. Catharines

Mortgage brokers are professionals that can help you make the right decisions when you’re buying a house, but you should always look for reputable ones who will put your needs first. You need to know the qualities that make mortgage brokers great, such as knowledge in the field and customer prioritization. If you’re looking for such brokers in St. Catharines, then Certified Mortgage Brokers is the right place for you.

Brokers that make your closing hassle-free

Different types of mortgages are available for different needs, and our team can help you choose the best one. We have experience dealing with different kinds of loans and are best suited to help you explore your loan options. If you’re looking to expand your business by getting new offices, buy a new family home, or get a way of paying your previous loans easily, we are the best company to call.

We know the best mortgage rates out there

The availability of different types of mortgages makes it possible for you to find the most suitable loan option, but the terms used with the mortgages can be very confusing. You not only need to understand the mortgage terms used, but also the regulations around such loans and property ownership. Our company is here to ensure you navigate the processes properly. We will also use our contacts to help you get the best mortgage rates to suit your lifestyle and financial situation.

The best mortgage refinancing experts

Getting mortgage refinancing can give you relief if you have other debts but only if handled properly. Your new loan should match your asset value but still be enough to consolidate your existing debts. The refinancing process involves several factors that include getting new mortgage terms, money transfers, and debt transfers among others. With our experts, you have the right guidance to ensure you follow the due process that works best for your current and expected future circumstances.

Our St. Catharines Mortgage Brokers Offer the Following Services

First-time buyers
First-time buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self Employed (Mortgages)
Construction Financing

St. Catharines Mortgage Brokers For First Time Home Buyers

The reason people rent most of their lives is that they lack the money to buy their dream homes. Our mortgage broker in St. Catharines understands that buying a home is one of the biggest investments most people get to make. We also know that taking a mortgage is one of the biggest debts you will ever be in. That is why Certified Mortgage Brokers go the extra mile to make it easy for you to understand your mortgage options and help secure a mortgage that works for you. We have access to leading agents and real estate lawyers in St. Catharines. This helps us get the best deals.

Our certified mortgage broker will do the following:

Help you understand the entire mortgage process.
Help you know how much you can afford and the mortgage you qualify for.
Find you the best mortgage deal by comparing available options for you.
Get you a pre-approved mortgage. This gives you an advantage over another buyer that may be interested in the same property you are.
Access Home Buyer’s Plan. This helps draw up to $25,000 from a Registered Retirement Savings Plan.
Make you aware of the available incentives. These incentives include Land Transfer Tax and First Time Home Buyer’s Tax Credit. Making use of these incentives gives you a better experience when applying for a mortgage.
Help you understand all the mortgage terms and conditions. This will enable you to settle for the mortgage option that works best for your lifestyle and budget.
Estimate the total closing costs to help with planning.

Our job is to help you make the most educated decisions so you get the most pleasant experience when buying your first home.

Your Trusted Mortgage Brokers in St. Catharines

Our Mission
Our Mission
Why Us
Your Trusted Mortgage Broker

We aim for unparalleled superiority in service delivery. Our team is made up of highly-trained and experienced mortgage brokers who are adept at identifying and solving various problems faced by mortgage seekers. We believe you seek a mortgage when you are strained financially. As a result, we offer the most competitive rates in the whole of Canada.

While we have expertise in the mortgage industry, we strongly believe that the only way to satisfy your needs is by getting you involved in the process. Our team will never sideline you when searching for the best mortgage solution. We take time to discuss every possible scenario with you and allow you to make the final decision.


Our team is fully committed to helping every Canadian resident find the best mortgage without getting overwhelmed by the process. We are aware of how confusing and complicated the mortgage terms can be. We also understand that without the right networks, it can be hard to find the best mortgage partner. We offer numerous options to make your work easier.

Our operations revolve around you. We always put your needs first, whether you are looking for the right mortgage product or we’re helping you negotiate the best deal. When you choose us, you can count on services that exceed your expectations. We have diverse lending partners in both private and traditional sectors. This helps us find you the best loan terms.

We're Canada's #1 Mortgage Broker Two Years in a Row - 2017 & 2018

We help you save time and money

Working with a team of professionals that already have expertise in the field is cost-effective and time-consuming. Searching for mortgage lenders on your own can take up a lot of your time and energy without guaranteeing you any results. On the other hand, working with us gives you access to multiple lenders, which makes your search easier. We will use our connections to get you the best deals, including in pre-approved mortgages. We consider your circumstances before linking you with various lenders to enable you to choose the one you think is best.

Call us: +1 866 921 8890

Questions? We’re here to help!

You have questions. We are here to help!


Certified St. Catharines Mortgage Broker

Things to Know About Your St. Catharines Mortgage

What Is A Mortgage?

A mortgage is a contractual commitment between a borrower and a lender. The contract states that the lender will take possession of the borrower’s property to use as leverage for the money borrowed. By agreeing to these terms, you will be giving the lender the right to take over your property indefinitely if you don’t pay the interest and capital back or default on the mortgage terms.

A mortgage contract has all the particulars, including the time you should take to repay the borrowed amount. You will also be able to use the mortgage for purchasing a house or take it against the value of any of your properties. In the end, you pay back the principal amount plus interest within a set period.

Mortgage Brokers in St. Catharines Offers You Personalized Service

Whether you want to purchase a domestic or commercial property, you will need befitting financial assistance. Our St. Catharines mortgage brokers will meet with you to understand your expectations and goals before searching for the right lender for you. Understanding every clients’ needs allows us to deliver solutions that suit them exactly. We compare several lenders according to their fees, interest rates, and other conditions before recommending the best one for you. The wide range of services we provide residents of St. Catharines include:

Mortgages for first-time buyers

We understand the kind of commitment required in first-time investment and will be with you every step of the way. We are here to help you achieve your property-ownership dream, whether it is to own a home or commercial building. With us, you’ll overcome the various challenges first-time buyers experience, and you won’t have to worry about the financial implications the investment will have on you. Some of the factors we recommend you consider before the purchase include:

  • Your financial capacity: Consider all the costs associated with the property to determine whether you’ll be able to afford the payments. Property taxes, maintenance costs, and utility bills are some of the hidden costs included in property ownership. Make sure you can handle all these expenses, otherwise they’ll become a financial nightmare for you.
  • Debt to income ratio: Whether you’re self-employed or employed by someone else, your monthly expenses should never exceed 40% of what you earn. Your housing expenses should not be more than 32% of your income. With this, you can narrow down the properties you can afford and enjoy your property ownership journey.

Our mortgage brokers have the training and experience that will help you navigate the conditions included in the loan to ensure you save as much as possible. We look at your current status, but we also consider your future financial plans when helping you buy your first property.

Mortgage refinancing

Refinancing a mortgage is always a better way of settling the current mortgage and penalties, but only when done for the right reasons. Some of those reasons include:

  • Reduction in interest rates- The market rates are bound to change over time, and you can take advantage of a drop to save more money. You can also get mortgage refinancing if you have improved your credit score and lowered your interest rates as a result. Getting a loan with lower interest rates, no matter how little the reduction is, can help you save a lot of money in the long-term.
  • Funding big projects- You should also consider refinancing if you need money for projects such as renovations, investments, or education.

The current mortgage isn’t suitable for your situation- Financial situations change, and yours may no longer be suitable for your previous loan terms. You can get a new contract that suits the reality of your situation, despite the penalties that may be involved.

Some of the options you may get with mortgage refinancing include breaking the mortgage, getting a HELOC, or blending your old mortgage with your new one. Each of these options has its merits and demerits that our team will help you understand.

Mortgage renewals

Mortgage renewal is one of the overlooked mortgage options, but it is one of the best ways of saving money. When you renew your mortgage, your old loan is replaced with a new loan that comes with a new contract. You’ll get a notification to renew at least three weeks before, and you can renew your loan if you’re not happy with your current lender or if your lifestyle has changed.
When given such an opportunity, you should consider the terms of the mortgage, increasing or decreasing your payments, whether to use fixed or variable interest rates and the prepayment penalties you may have to pay. Our mortgage brokers in St. Catharines are here to give you professional advice and suggestions regarding the best possible options. We can contact the lenders we know to negotiate the best deals in your place.

Second mortgage

Also known as a home equity loan, this type of mortgage allows you to consolidate a more expensive debt by cashing in on your home equity. You should expect to pay higher interest than your first loan, and you must estimate the value of the property as well. Most real estate agents do a valuation for free, but you should get multiple ones to ensure you get an accurate estimated property value. You can also calculate the amount you qualify for by getting the loan to value ratio.
Most second mortgage lenders are always willing to give up to 90% of the home equity, but you must do an appraisal first. You’ll also pay for the closing costs and get shorter payment terms than your first mortgage. If you take this mortgage, there is a possibility that you won’t recover all your money. The loan covers the previous mortgage, which makes it a high-risk type of loan. Our St. Catharines mortgage brokers can connect you with the ideal private lenders that will offer you the best deals.

Private mortgage

Private mortgages are secured loans that are usually given by private lenders and not traditional banks. If you need funds quickly, or if your bank has denied you a loan, you can turn to private lenders. The loan is also ideal if you have a bad credit score since the lenders tend to focus on your collateral rather than your credit history and score.

Private mortgage lenders can give you up to 90% of your home equity, but they also charge higher interests because of the risks they take. They are not bound by the same rules that govern the traditional banks and are, therefore, capable of giving you quick funding. You should consider getting a private mortgage if:

  • You have your own business/source of income
  • You don’t have a perfect credit score
  • You’re looking for funding that traditional lenders can’t give
  • You need a mortgage to consolidate your debts or to renovate your property

Self-employed (mortgages)

Being self-employed comes with a lot of advantages, but unfortunately, getting a mortgage isn’t one of them. Most lenders always want borrowers with consistent income, and that isn’t possible with self-employed people. Your business may do well in some seasons, thereby boosting your income, before declining again in other seasons. The inconsistency can make it harder for you to find a better lender, but with our mortgage brokers, you’ll get a loan with fair terms.

When you have tax returns for the previous two years and proof of income in the form of business registration documents, you can get a lender that treats your application like every other employed person. However, the lender will likely use the debt to income ratio to determine the amount you’ll be able to pay, and that can limit you.

You can opt to approach a private lender since they are not tied down by banking rules and they won’t focus on your financial capacity.

Private mortgage lenders can tailor their services to suit your exact needs, and we can help you choose the right one.

Construction financing

This type of mortgage comes in two types such as the progress draw mortgage and the completion mortgage. The former involves paying the construction company a specified amount of money after they make specified progress. The lender will have the site inspected to determine the milestone the contractor has covered before paying them. With the latter, the lender pays the construction company after they finish building a property, then you take ownership of that property.

To get a construction mortgage, you’ll have to give your lender the blueprint of the property, your ownership contract, your bills, and the estimated duration of the construction. Your down payment will also be higher than with other mortgages. Although the risks involved are higher for both you and the lender, our mortgage brokers will help you minimize them.


An equity loan is a secured loan that you take against the equity of your home. It is a more flexible mortgage option in that it allows you to pay interest only until you can pay the principal amount. You are also allowed to borrow the capital after you pay it back. Home Equity Lines of Credit are susceptible to change depending on the market changes. As a result, you may end up paying more than you prepared for, and that can inconvenience you.

Working with our mortgage brokers to look for the best HELOC lender will increase your chances of getting the best deals. The large number of contacts we have puts us in a better place to negotiate on your behalf.

Certified Mortgage Broker St. Catharines

Frequently Asked Questions About Your St. Catharines Mortgage

What is a mortgage?

A mortgage is a type of loan you can get to finance a property purchase. The property remains in the hands of the lender as collateral until you pay off your loan. You’ll be given a contract that outlines the mortgage terms as well as other conditions, such as the payment plan. If you fail to pay off the mortgage, the lender can sell your property to recover some or all the loans.

Available mortgage choices

You can always choose between a closed mortgage plan and an open mortgage plan. With the closed loan payment pan, you will get low interests and the chance to make lump sum payments occasionally. However, you can’t pay off the entire loan early without being penalized. The open plan is more flexible as it allows you to make payment at any time so long as it’s within the payment term.

Benefits of a pre-approved mortgage

Pre-approved mortgages allow you to determine the amount you qualify for beforehand. Some of the benefits include:

  • Time efficiency
  • Easier financial planning
  • No costs or obligations

Fixed vs. variable rates

Most borrowers in St. Catharines prefer fixed interest rates because they remain constant through the mortgage term. They may be higher, but they give you the solace of knowing what payments you should make. Variable interest rates change depending on the prime rate and make it impossible for you to make the same payments.

How much do I need for the down payment?

You’ll need between 5% to 20% of the property price as a down payment in St. Catharines. Since the down payment is deducted from the property price, the more you pay, the lower your mortgage will be. Mortgage terms you should familiarize yourself with during a closing include:

  • Amortization, which refers to how long you take to finish paying off your mortgage
  • Appraisal, which refers to the property evaluation
  • Deposit which is the amount you pay to secure the property
  • Down payment, which is a percentage of the total property cost that you pay from your pocket
  • Inspection fee, which is the amount you pay to have the structural integrity of the property checked
  • Loan to value ratio (LVT), which is the size of the mortgage you want against the value of your property
  • Mortgage loan insurance, which is the amount you pay when you have a down payment that is less than 20% of the price
  • Property transfer tax, which is the tax paid when a property changes ownership
  • Mortgage term, which is the period you should take to pay off the mortgage. You can renew your loan term when it elapses

Certified Mortgage Brokers are here to help you solve all your mortgage needs in St. Catharines. Call us today.

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Certified Mortgage Brokers
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Afton Jaskolski

Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!

Davin Mills

There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases

Tracy Wilhoite

I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.

Ryder Turcotte

My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!

Lucy Zimmerman

Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.


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