Your Own Dedicated Mortgage Professional To Build Your Pre Approval
Take out all of the hard work, instantly gain access to 20+ lenders, get a great mortgage rate, and get pre approved by having your application prepared by one of Canada's top mortgage brokers. All for free.
The online application takes less than 90 seconds - it's simple, quick, and free.
With An Online Application That Takes Under 90 Seconds
A few standard questions allows me to better understand your specific situation.
That way I can help you better.
It's completely free, simple, and quick. You can do it right now from your phone or your couch:
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!"
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!
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.
This depends on a number of factors, including income, downpayment amount, credit score, and the property type you are looking to buy.
Mortgages are more complicated than people realize at first, which is why it is so useful to have a mortgage professional who has a lot of experience put together your mortgage application for you. You can find out more in the free guide!
While it isn’t necessary, it is strongly recommended as it gives you a solid idea of how much you can afford, which makes it easier to choose the homes you are looking at. A pre approval also makes your offer on the home you choose to be more attractive to sellers as you are highly likely to then not have any issues with getting financing.
My name is James Smythe – I am a mortgage professional here in Ontario and a pre approval, first time home buyer mortgage specialist. 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.
I have a lot of experience in this industry and I always make sure my clients are getting the best service. That’s why I have been a recipient of the Canadian Mortgage Profession Top 50 Brokers award.
My brokerage is a part of Dominion Lending Centres, which is the #1 mortgage company in Canada, which means we have a great relationship with many lenders and are able to get you the best deals out there.
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.
If you're looking at buying a home, and want to qualify for a mortgage, you're going to need to get approved for mortgage to determine the maximum amount you qualify for. You're going to need to get a letter from your employer, gather your financial information, have a proof of good credit, and more. As your mortgage specialist, I will help you gather the right documentation and prepare a top application - for free.