Mortgage Rates

lowest mortgage rates

Get The Best & Lowest Mortgage Rates
In Just 90 Seconds

If you’re sick of seeing 1%, 0.5% or other nonsense mortgage rates that you can’t actually get, we can help you.

Complete our short online application and you’ll get the lowest possible rates and best deals that you actually qualify for.

All it takes is 90 seconds and we’ll compare your options with over 46 lenders to get you the best rates. Click the button below to get started.

mortgage rates

Let Us Do The Hard Work To Find You The Lowest Mortgage Rate

Here’s the thing: Sorting your mortgage is an absolute pain.

Nobody wants to be spending time doing it.

That’s where we come in – simply fill out our 90 second form and we’ll find you the best mortgage deal with a great rate.

And it’s all completely free.

No long, boring forms – just 90 seconds to sort your mortgage and get a low rate.

The vast majority of rates online come with special conditions – and it always seems to be that you can’t get them…

So why not take 90 seconds to see what rates you can actually get?

Click the button below and see how easy it can be…

Best Mortgage Rates

The Best Rates Are Just 90 Seconds Away

Low Mortgage Rates From Canada's Top Mortgage Company

You’ll get free professional help to find you the best deal from Canada’s top mortgage company – Central Mortgage and Finance Group – who originate more mortgages than any of the big banks!

Why would you not want to get a top-rated broker to find you a great rate (for free)? Click the button below to apply now.

Trusted By Thousands Of Canadians To Get Great Mortgage Help

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low mortgage rates

Mortgage Products

Use A Mortgage Broker To Get A Lower Rate

By using a mortgage broker, you will save time, effort, and potentially a lot money. By using a mortgage broker you get:
second mortgage application

A Stronger Mortgage Application

A mortgage application prepared by a professional will be stronger and more likely to get you the best deal.
Access To Over 20+ Lenders

Access To Over 20+ Lenders

Rather than just going to your bank, you get access to over 20 lenders, almost guaranteeing that you are getting the best mortgage product.
Professional Financial Advice For Free

Professional Financial Advice For Free

Advice from a mortgage professional who has a lot of experience and can figure out the right solution for you.
A Hassle Free Mortgage

A Hassle Free Mortgage

Let a professional do the hard work for you – and spend your time on things you actually enjoy – who likes dealing with their mortgage?


Mortgage Brokers Are 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!

Mortgage Brokers Are Free
James Smythe - Mortgage Experts

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.

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

And It Has Paid Off

About Us

Don't Take Chances 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.

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Frequently Asked Questions

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