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What we do

How to Apply for Pre-Approval Mortgage The Easy Way

Our brand promise says it all
we provide our clients with Better Advice, Better Rates, and A Better Mortgage.

The Mortgage Centre has been successfully serving Guelph, Kitchener, Waterloo, Cambridge, Elora, Fergus, Mount Forest & the G.T.A. since 1999.

When choosing a mortgage, you want advice that you can count on. As a member of one of Canada’s longest established national broker networks, we are dedicated to providing you with all the information you need to make a well-informed decision on your mortgage financing needs. We are updated with knowledge of the current market trends, rates, and regulations regularly, allowing us to provide you with sound guidance.

Whether you’re a first-time buyer, upgrading your current home or buying property as an investment, we know the process can be a complex and time-consuming one. With a Guelph Mortgage Centre agent in your corner, you can rest assured that we’re with you every step of the way – even negotiating with lenders on your behalf.

What makes us better than the banks? That’s an easy one – we aren’t tied to a specific lender or suite of products which means our solutions are uniquely suited to your needs. We have access to a wide variety of lenders which also means you’ll get the most competitive rate, every time.

When we’re not helping our clients get into their dream homes, we’re committed to making our community a better place. We know a healthy community leads to a prosperous one and we’re excited to support the communities in which our clients live in, any way we can.

When it’s time to talk about financing your home, it’s time to talk to the experts at The Mortgage Centre.

We can also help you with:

financial planning

Financial planning

investment help
Rental or investment properties

Debt management

financial consultation
Ongoing support and consultation

  • Linda Derma

    We have had great experiences with The Mortgage Centre. The staff are all very professional and accommodating. Sandra has been very helpful with providing us with options for our mortgage and refinancing! Thank you to you all!

  • Shannon Drake

    We have used The Mortgage Centre for many years now...wonderful staff, excellent service!!

  • Melissa Straus

    Helped me explore options and scenarios which was exactly what I needed. Very professional and a great team ladies!

  • Sam Wellhauser-Bells

    We had a great experience working with The Mortgage Centre. There entire team was incredibly helpful. Not only did they help us with getting a mortgage they connected us a real estate agent and real estate lawyer. We would not have been able to buy our first home without there help! Would definitely recommend!

  • Chris Zamin

    Great experience. Very quick approval. Excellent communication and very flexible for meeting times! Thank you.

  • Kayla Danielle

    The mortgage centre helped us out with the process of our first home and getting a mortgage. We have continued to use their service with renewing our mortgage. Sandra and Caroline are great at what they do, they are quick with responding to all questions and concerns. I highly recommend their service.

  • Georgia Simms

    Informative, supportive and generous staff. Timely communication and helpful advice. Thanks!

  • Razeq Attar

    We had a great experience working with The Mortgage Centre. There entire team was incredibly helpful. Not only did they help us with getting a mortgage they connected us a real estate agent and real estate lawyer. We would not have been able to buy our houses without Their help! Would definitely recommend!

  • Lisa Hagen

    Both Sandra and Caroline have been fantastic throughout the entire buying process. They've always taken the time to clearly explain everything, welcome questions and are organized and professional. Phone calls and emails are returned promptly, and requirements are set up clearly They are also lovely, warm, friendly people. I would definitely choose go to The Mortgage Centre again.

  • Sharon Bosomworth

    Sandra and Caroline at The Mortgage Centre have been so helpful. Our questions were answered in a timely and professional manner and this made our home purchase an extremely positive experience. I would definitely recommend their service.

  • Chris Ferris

    Thank you Sandra and Caroline for helping us refinance our farm and purchase a second property. You were so much better to work with than our bank.

  • Wendy Forsyth

    This was my second mortgage through the Mortgage Centre. They make it easy!

  • Justin Dales

    The Mortgage center did it again. We got a great rate with good terms.

  • Rob Robson

    Cannot say enough great things about the Mortgage Centre. Sandra and her staff were extremely helpful as we explored all the options for the purchase of our home. We loved being able to chat via a web-conference since we have small children at home and don't have a regular sitter. When we did have a chance to meet in person, we loved the Mortgage Centre's new location downtown Guelph. The office is beautiful (it's in a turn-of-the-century-home) and is very comfortable--much better than dealing with the banks and sitting in some cramped cubicle. I would recommend The Mortgage Centre to all my friends and family.

  • Dani Nic

    Sandra and Caroline were so helpful! Answered all of our questions and guided us in the right direction.

  • Braden Thomas

    My wife and I became new home owners with a mortgage through The Mortgage Centre in Guelph. Sandra and her team were knowledgeable, took the time to explain everything in detail and got us a great rate on our mortgage that is in tune with our finances. We highly recommend them to any new potential home buyers.

  • Aaron Beazley and Gabriele Wright

    "We had superior service from Sandra and Caroline recently to arrange financing for a real estate purchase. They quickly jumped into action to support us, provide information, guide us and advise us. We dealt with the entire process primarily via email which was very useful given our busy schedules. We would highly recommend their services to you."

  • Connie Gaskell

    "..Worked very hard to make our deal come together smoothly and made our mortgage experience a very positive one. I would not hesitate to recommend Sandra to our friends and family because of their exceptional service and expertise."

  • Michael Obisesan

    “The final result was moving into a beautiful home that our family could afford. I would recommend Sandra and her team at The Mortgage Centre to anyone.”

  • Christine Cox

    "You have no idea what this means to us as a family. This house will allow us to continue the life that our family loves. The big difference is that this one is ours. One of the best things is that we can truly make it ours, and do it as a family. Allow our children to learn and grow in the best place we could ever want. We will be always grateful to you and your team..."

  • Laurie Lamontagne

    "Sandra helped us consolidate out debt and get us back on track, while lowering our monthly payment. The interest rate was great and the advice was honest. We would recommend Sandra to anyone."

  • Michael Obisesan

    "We were pre-approved with Sandra and she walked us through the necessary paperwork that we needed. The final result was moving into a beautiful home that our family could afford. I would recommend Sandra and her team at The Mortgage Centre to anyone."

  • Angela Lauryssen

    "I can trust Sandra to give good and honest advice. I would recommend Sandra to anyone who owns rental properties or is thinking about buying one."

9 Reasons for us to work together


Get independent, expert advice on your financial options

As independent brokers and agents, we’re not tied to any one lender or range of products. Our recommendations match your needs.


Save time
with one-stop

It could take weeks for you to organize appointments with competing mortgage lenders — and we know you’d probably rather spend your time house-hunting!


We negotiate
on your

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank.


More choice means more competitive rates

We have access to a vast network of major lenders vying for your business. The increased competition means you get their best rates.


Ensure that you’re getting the best rates and terms

Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping!


Get access to special deals and add-ons

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers.


Things move quickly

We’ll help ensure your mortgage transaction is on time.



No cost to you

Explaining various mortgage terms and conditions allows you to choose confidently. In the majority of cases, the lender pays us.



Ongoing support and consultation

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs.