We get them competing for YOUR business. Saving our clients $1,000s on their mortgage!

                     Hear what Niagaran’s are saying.

Niagara Regional – Community Mortgage Plan

We invite all of Niagara’s mortgage holders to consider participating in this program and help in building a wealthier and healthier, Niagara! As an independent mortgage agent, we work for the consumer, not the financial institution. Client’s who participate through the Niagara Regional – Community Mortgage Plan save thousands of dollars on their mortgage.


There is a popular myth that exists, that many people believe true – a mortgage agent, is the person you work with for bad credit when the major financial institution declines your file. That is incorrect. Working through the Niagara Regional – Community Mortgage Plan, for any person seeking a mortgage, is a prudent financial decision and we advise all members of the public to learn, personally, policies outside of the interest rate and the extensive savings you can realise, working with this Program.


We are committed to bringing you highly competitive rates and truly professional service. The choice to work as an independent mortgage agent, instead of working for a financial institution, was because our obligations are to our clients, not the financial institution. We work with 20+ institutions, to find the lowest cost mortgage, tailored for you. There is no charge at all, except in extreme credit cases (previous bankruptcy/consumer proposal).  Best of all, our client’s mortgages provide funding for urgently needed medical equipment across all hospital sites in Niagara.


Many people are unaware but Hospitals in Niagara, like all Ontario hospitals, receive no funding from the government, through our tax dollars, for medical equipment (x-ray machines, patient beds, CT scanners, defibrillators, heart monitors, etc). This concerned us of course, as we are residents of Niagara and are also reliant on Hospitals for our health needs. Unfortunately, with an ageing and expanding population and the Provincial Government being over $350,000,000,000 in debt, well, this is cause for alarm and action because government is charged with providing us with life saving services that require money to meet public demand for service. It is a serious situation for us. We saw a solution and decided to create the Niagara Regional – Community Mortgage Plan.


Through this program, 5% of the gross revenue generated through the Niagara Regional – Community Mortgage Plan, is directed to Niagara Health Foundation to assist in obtaining the medical equipment needed, that protects our families, here in Niagara. Niagara’s estimated, 124,961 mortgage holders, representing in excess, of an estimated, $26,800,000,000 in annual mortgage volume; play a pivotal role in the future quality of life for us and our families, in Niagara.


Who we choose to trust our business with, creates the world we live in – our consumer choices are truly the votes that matter most. We hope you choose the Niagara Regional – Community Mortgage Plan, allowing Niagara to become a wealthier and healthier, Region, for all of us! We will use your business to build the best community possible, here in Niagara, by investing significant funds into our local health care system and other social goals to benefit all Niagaran’s!



To date, our clients through their partnership and by saving thousands on their mortgage, have helped raise over $10,000 for better healthcare in Niagara!

Canada’s #1 mortgage company – Dominion Lending Centres

We understand that buying a home is one of the most exciting times in one’s life. We also understand that is can also be a very comprehensive one.

On a yearly basis Dominion Lending Centres assists more than 100,000 Canadian’s place their mortgage with confidence and trust with Canada’s foremost lenders, saving them thousands of dollars on their mortgage. We are Canada’s largest mortgage provider, including major financial institutions, with more than $30,000,000,000 in mortgages provided annually to Canadian’s just like you!

Familiar Mortgage Products. Simply Better Advice.

Our low rates come from high volume and aren’t “no-frills” products where you can be harmed by excessive penalties, we watch your back! We have access to a vast array of mortgage options and will find the perfect fit for you. Give me a call, if I can help.

Lowest Rates for IRD penalties in Canada, Guaranteed.

Do not pay thousands of dollars more, then you need to for breaking your mortgage before maturity (moving, refinancing, divorce, job loss, sick etc.). Believe it or not, Canadian’s on average break their mortgage over, an estimated,  60% of the time before the maturity date, triggering a penalty. In fact, based on the statistics, the difference in how (IRD) penalties for fixed-rate mortgages are calculated between the different types of lenders, costs Niagara’s mortgage holders, over an estimated $157,000,000/yr and Canada wide, over $15,500,000,000/yr! Working through the Niagara Regional – Community Mortgage Plan ensures your risk is protected, through objective advice and expert knowledge on policy, market wide.  Join us in building a wealthier and healthier, Niagara!

Learn more about the Guarantee.

Currently Rated in the top 3 Best Mortgage Broker in St Catharines, ON

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