The Mississauga Broker Who Fights To Get You A Great Mortgage

A mortgage broker who knows how to negotiate with lenders, puts together the strongest mortgage application, and has expert knowledge of the best mortgage products out there.

Scott Peckford

"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."


James Glanville

"I’ve known James Smythe for over 20 years. James has proven to be the leader in the mortgage business year after year. He is honest straight forward and 100% trust worthy. If James can’t get you a mortgage nobody can!"

Get the best mortgage experience, supported by a team you can trust.

Best Mortgage Rates

Your Own Dedicated Mortgage Professional To Build Your Application

Take out all of the hard work, instantly gain access to 20+ lenders, and get your mortgage 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.

No Matter What Kind Of Mortgage

We’ve Got You Covered




First Time Home Buyers

New Mortgages

Reverse Mortgages

Mortgage Experts

Discover our Mortgage Solutions

Private Mortgage

A private mortgage is a short-term loan where the property you wish to purchase or you already own is used as collateral.

Mortgage Refinance

Mortgage refinancing is replacing an existing mortgage with a new one, typically with more favourable terms such as a lower interest rate, lower monthly payments, or a shorter loan term.

Debt Consolidation

Debt consolidation mortgage is a type of mortgage that allows you to consolidate your high-interest debts, such as credit card debts, personal loans, or other debts, into your mortgage loan.

Apply For Free

It takes only 90 seconds to apply online. You just say what kind of mortgage help you’re looking for.

After that, I get to work and will be in touch to let you know exactly how I can help you.

Best Mortgage Rates

How Are Mortgage Brokers Free?

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.

Our Mission

Not Your Average Mortgage Broker

My name is James Smythe and I am the owner of Central Mortgage and Finance Group.

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.

Award-Winning Professional Mortgage Help

Trusted By Thousands Of Canadians To Get Great Mortgage Help

verico logo
Canadian mortgage broker associations
top 50 brokers
mortgage professional Canada
First Time Home Buyer

Hundreds Of People Like You Have Trusted
This Service To Get Their Mortgage

And It Has Paid Off

Contact Us

Come Visit The Office

James Smythe – Central Mortgage and Finance Group

License #11424

Mortgage Broker

Never Take A Chance With Your Mortgage

Have a professional who works on mortgages all day, every day put together your best application and get you the mortgage you want.

Start the conversation today – it’s free, you don’t have to commit to anything, you can simply find out more about how I can help you today.

mortgage experts

Frequently Asked Questions

Click on the question to reveal the answer.
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.

Talk to a mortgage expert, now!

Ready to take the first step towards your new home? Contact our mortgage experts now and start your journey to homeownership. Give us a call today at (289) 804-0857 to schedule a free, no-obligation consultation.

We're One Phone Call Away.