We Can Port Your Mortgage If You Move
If you sell your home but still have time left on your mortgage, you don’t always have to break it! Many lenders in Ontario offer mortgage portability, meaning you can […]
About Us
Trusted By Hundreds Of Canadians To Get Great Mortgage Help. My name is James Smythe, a mortgage broker and the owner of Central Mortgage and Finance Group. In the industry, […]
Don’t pay off your mortgage early
Surprise: Sometimes it’s smarter not to pay off your mortgage early. If your interest rate is low, investing that extra cash elsewhere could grow your wealth faster. Let’s talk strategy. […]
How Closing Costs can sneak up on you
Saving for a down payment? Don’t forget closing costs—legal fees, land transfer taxes (especially in Ontario!), and other surprises can add up to 1.5–4% of your home’s price. Plan ahead! […]
Helping the GTA and beyond with their mortgages
How are you planning to spend your retirement? Life after retirement should be everything you’d hoped for—and more. How are you planning to spend yours? Let your home equity help you […]
Mortgage Myths: How much of a down payment do you need?
💡 Mortgage Myth 💡 🚫 Myth: You need 20% down to buy a home. ✅ Truth: In Canada, you can buy a home with as little as 5% down for […]
Bad Credit Affecting Your Approval?
Specialized bad credit mortgage options can help you achieve home ownership. Discover pathways to secure financing despite credit challenges! Visit our office or call (289) 804-0857 to find out how […]
Mortgage advice We’d Give our best friend
If you were our best friend, here’s what we’d tell you about getting a mortgage (hint: it’s not what most brokers will say). Call us to get the details. (289) […]
Not Your Average Mortgage Broker Customer Review
“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 […]
Did You Know? Ontario First-Time Buyers Get Land Transfer Tax rebates
If you’re buying your first home in Ontario, you could get a rebate of up to $4,000 on your land transfer tax! In Toronto? You might qualify for an extra […]