Your Own Dedicated Mortgage Broker To Get You A Top Mortgage
Have an experienced professional do all of the hard work, gain access to 20+ lenders right away (likely including your bank), and get your mortgage prepared by one of Canada's top mortgage brokers. All for free.
For All Types Of Mortgages
First Time Home Buyers
The online application takes less than 90 seconds - it's simple, quick, and free.
Under most circumstances, it is free for you to use a mortgage broker. Lenders are always looking for new borrowers and are happy to work with brokers who can put together solid mortgage applications that make their vetting process easier.
Only in some cases when your credit is poor and you have to go to a private lender will a mortgage broker charge a fee.
In all other cases, mortgage brokers are free for you!
Not Your Average Mortgage Broker
My name is James Smythe and I am the owner of Dominion Lending Centres Central.
In the industry, I've been featured in the "I Love Mortgage Brokering" podcast as well as industry articles, and I've been a recipient of the Canadian Mortgage Profession Top 50 Brokers.
I'm proud to be highly regarded in the industry and to be able to serve my clients above and beyond.
Hundreds Of People Like You Have Trusted This Service To Get Their Pre-Approval
And It Has Paid Off
"I have known James professionally now for 10 years. His dedication, attention and professionalism delivered to all my referrals has been incredible. I highly recommend James and I am open to accept a call, text or email as a reference."
"James is my "go to" person for my clients' mortgage needs. He has the experience, the reputation within the industry to get the job done for them! I have and will continue to recommend James."
"JD is one of the sharpest Mortgage Brokers I know. (And I know a lot of them) He has an incredible work ethic and a high degree of integrity. I would definitely recommend JD if you are looking for a Mortgage Broker."
"I have worked with James in the purchase of both my homes. Over the past 13 years he is the only person I have trusted to provide me with honest advice on decisions concerning my homes and mortgages. I have confidentially referred friends and family to James, as I know he always has his client’s best interests at heart. James has not only become a trusted advisor but a friend as well!"
"James and I have crossed professional paths many times over the past fives years. Every time we chat James demonstrates a level of integrity with his advice which sets him apart in the finance industry. Truly a pleasure to deal with."
"JD is very personable, easy to speak with and extremely knowledgeable. He takes time to explain even the smallest details so there are no questions. JD is quick to return calls, respond to emails and even texts. JD seeks out the best finance options at the best rates and ensures that monthly or biweekly payments fit within your personal budget limitations. He is both honest and transparent during every step of the process! I would highly recommend JD!"
There is no cost to use a mortgage broker, except in the most extreme cases, such as if you have very poor credit or have previously been bankrupt. Otherwise, my service is entirely free for you, from start to finish. That includes putting your application together, analyzing your finances, and contacting the right lender for you from over 20 lenders.
Mortgage brokers are independent from any bank or lender. They work directly for you throughout the whole process and provide a number of lender options (over 20 in my case). Rather than a bank, which only provides its own mortgage products, a mortgage broker provides a number of products from many lenders and banks.
Your bank representative and a mortgage broker both receive commission on the deal (from the lender – this is still free for you), so the real difference is that mortgage brokers provide the flexibility, range of options, and personal touch that a bank just can’t.
All of Ontario is my service area. Because of the ability to be able to do all of our work online and by phone, I can serve you no matter where you live in this province. I have a lot of experience putting together mortgage deals throughout the province and I know the ins and outs of the different areas and how to best approach lenders considering a number of factors.
You fill out a simple 90 second application here:
This lets me know exactly what you are looking for as well as a bit more information about your specific situation. That allows me to know how to serve you best.
Once you fill out a 90 second application, you will hear back from me very shortly (typically within a few hours) so we can begin the next steps of putting together your application or answering any mortgage questions you may have.
My name is James Smythe – I am a mortgage professional here in Ontario. I am a licensed mortgage broker with Dominion Lending Centres Central Inc. #11424.
I have been named a recipient of the Canadian Mortgage Profession Top 50 Brokers award in recognition for the outstanding work I provide for my clients. Additionally, I have been featured in industry articles and podcasts and have received great feedback from my clients and peers, which you can see here.