St. Thomas Mortgage Broker Services

Contact Your St. Thomas Mortgage Broker!

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1. Call or email. I will assist you with home financing options tailored to your unique goals.   (519) 903-0598 or Email

2. Start Online. Start your pre-approval or start your new home mortgage or refinance process online.

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St. Thomas Mortgages Made Easy!

Home Mortgage Ontario and HCC Mortgages Ltd. are your Mortgage Centre Specialists for first-time homebuyers, new home purchases, refinancing your current home, switching lenders for a lower interest rate, taking-out equity to consolidate debt, second mortgages, or applying for a home equity line of credit (HELOC) in St. Thomas, Ontario.

Using Technology to Your Advantage

Using the latest technology and the internet to your advantage, we summarize your mortgage options and compare the different factors that matter to you and your family the most. Undecided between a fixed and a variable mortgage product? We will outline the interest savings over your term and help you decide whether one product fits your needs over another.

Communicating in Ways Convenient to You!

Families in Canada are busy these days and in many cases, the time required to make important financial decisions is not available. We understand that shopping for your St. Thomas mortgage may not be at the top of your list during business hours; that’s why we encourage you to use the lines of communication most convenient for you and your schedule!

Feel free to contact us at your earliest convenience using your favourite social media tools such as Facebook, Twitter, or Google+.

Not into social media? Use your smartphone to email or text/SMS 519-903-0598 24-hours a day to receive quick answers to your questions and help you get started on your St. Thomas mortgage application!

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Why a St. Thomas Mortgage Broker?

1. Saving You Thousands – St. Thomas mortgage brokers shop all lenders for the best mortgage rates and products for your particular situation. While your big bank can only offer you a limited selection of mortgage products at uncompetitive posted rates, we find the lender with the best product match for you at rates far below posted rates.
2. Saving You Hassle – Since an St. Thomas mortgage broker shops all available lenders, we negotiate on your behalf to get you the best mortgage rate and flexible terms. Finding the client the best product at the lowest interest rate is our job and we take it seriously.
3. Saving You Time – Your St. Thomas mortgage application can be completed online, over the phone, or through fax in minutes! Big banks and credit unions typically require the borrower to make an appointment and often times, the borrower agrees to their mortgage product without understanding the other options available. We will take your application and give you options and time to determine which is best for you and your family.
4. Saving Your Credit History – Every time a potential borrower applies for a mortgage at different financial institutions, their credit report must be checked individually by each lender. Every credit check performed on a credit report negatively impacts the credit score of the individual. By shopping St. Thomas mortgage lenders on your behalf, mortgage brokers are able to pull your credit history once for the entire process.
5. Saving You Fees – Best of all, St. Thomas mortgage broker services are FREE to the borrower!
6. Saving You Doubt – While the financial advisor at your bank wears the hat of investment advisor, personal banSt. Thomas associate, Registered Retirement Savings Plan (RRSP) advisor, and many more, often times mortgages are not their specialty. St. Thomas mortgage brokers and agents are licensed by the Financial Services Commission of Ontario (FSCO) and all licensed agents and brokers can be found online. For example, you can see Hussein Saad’s licence information with FSCO here.
7. Saving You Apprehension – Mortgage brokers provide a service to the client and commit to finding the best mortgage rate and product for every client. Your bank or credit union advisor is hired to sell the client their products, regardless of whether it is in the best interest of the client.

Go ahead, we encourage you to bring in your big bank’s best mortgage rate and we will get lenders competing to save you the most interest possible!

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Your St. Thomas Mortgage Centre Can Help!

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St. Thomas Mortgage & Real Estate Resources

City of St. Thomas – Official Website for the City of St. Thomas, Ontario

City of St. Thomas Property Tax Rates – Access the City of St. Thomas property tax rate table for residential, commercial and other types of properties in St. Thomas, Ontario.

Tourism Elgin County & St. Thomas – Learn about the great travel opportunities available in Elgin County and St. Thomas.

St. Thomas Police Service – City of St. Thomas Police Services Website.

St. Thomas Times-Journal – The St. Thomas Times-Journal is your source for the latest St. Thomas News.

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Reach Out Today!

Contact The Mortgage Centre for a no-obligation financial analysis and advice on how to get the best St. Thomas mortgage and take the for the next big step in your life!

Don’t get stuck in the “big bank mortgage game” and simply lock-in to the inflated 5-year fixed rate that they convince so many of their loyal customers to agree to – speak to us about your options and allow us to show you how to save thousands of dollars over your next St. Thomas mortgage term!