Local Guelph Team
50+ Lenders
Unbiased Advice
Mortgage Brokers Guelph
Why Choose a Mortgage Broker Over Your Bank?
Your bank offers you one set of mortgage products — their own. A mortgage broker works for you, not the bank. At Skip The Bank, we shop your mortgage across more than 50 lenders including major banks, credit unions, and trust companies to find the rate and terms that fit your life. There’s no cost to you for our services in most cases, and you’ll have a dedicated local expert guiding you every step of the way.
Serving Guelph & Wellington County
Mortgage Services in Guelph
Whether you’re a first-time buyer in the Stone Road area, a growing family in the south end, or an investor looking at properties in downtown Guelph, our brokers understand the local market. We serve clients across Guelph and throughout Wellington County, including Fergus, Elora, Elmira, and surrounding communities.
Our team is available evenings and weekends, and our fully online application process means you can get started without visiting a branch or taking time off work.
- First-time home buyer mortgages
- Mortgage renewals and switches
- Refinancing and debt consolidation
- Self-employed and new-to-Canada mortgages
- Rural and hobby farm properties
- Home equity lines of credit (HELOC)
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FAQ
Common Questions from Guelph Homebuyers
01
How much does it cost to use a mortgage broker in Guelph?
In most cases, our services are completely free to you. We’re paid a finder’s fee by the lender once your mortgage closes. For certain private or specialty mortgage situations, a broker fee may apply — and we’ll always be upfront about that before you proceed.
02
Can a mortgage broker get me a better rate than my bank?
Very often, yes. Because we work with 50+ lenders competing for your business, we’re able to negotiate rates and terms that a single bank simply can’t match. We also know which lenders are best suited to your specific situation — whether you’re self-employed, have bruised credit, or need a rural property mortgage.
03
Do I need to come into an office in Guelph?
No. Our process is fully online — from application to e-signing your final documents. We also offer in-person and video appointments at our Guelph office at 125 Norfolk Street, and at our Fergus location at 245 Saint David St. North, for clients who prefer to meet face to face.
Why Guelph Homeowners Choose Skip The Bank
Local Market Knowledge
We’ve been serving Guelph homeowners since 1999. We understand the local real estate market, the lenders active in Wellington County, and the unique situations our clients face.
Access to 50+ Lenders
From major banks to credit unions and alternative lenders, we have access to a wide range of mortgage products — so we can find the right fit regardless of your financial situation.
Flexible Appointments
Evening and weekend appointments available. We work around your schedule, not the other way around. Online, phone, or in-person — your choice.
No Hidden Fees
We’re transparent about our process and fees. In most cases, our advice costs you nothing. We’re on your side — not the bank’s.
Our Mortgage Specialists Serving Guelph
Our Guelph-based team includes licensed mortgage agents and brokers with backgrounds in banking, real estate investment, and financial planning. We match you with the right specialist for your situation — whether you’re a first-time buyer, self-employed, or navigating a complex refinance.
- Sandra Lastovic — Principal Broker, 25+ years experience
- Kevin Mackan — Mortgage Agent, former bank professional
- Christine Banfield-Neath — Mortgage Agent, Guelph born and raised
Our full team is available to take on new clients. Contact us to get started.
Mortgage Resources for Guelph Homebuyers
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Guelph’s mortgage broker.
Working for you.
