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CENTUM Total Mortgage Services Inc.
Licence #: 10646
61 Lakeshore Road W.
Oakville, ON L6K 1C9
Telephone905-338-7100
Office Fax905-338-7200

With the Power of CENTUM You Win

Finding a great mortgage can be stressful and time-consuming. At CENTUM Canada, we've been successfully delivering the best rate for tens of thousands of satisfied clients for nearly a decade.

Finding the right mortgage for you is our business. We know which lenders have the best rates and we negotiate with multiple lenders at one time. What's more, we know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and we do all the paperwork. Plus, CENTUM Mortgage Professionals are compensated by the lenders, and in most cases we offer our services free of charge to our clients.

At CENTUM, we're always looking out for your best interest.®

Blog

Standard Charge VS Collateral Charge Mortgages

Standard Charge VS Collateral Charge Mortgages When you need a loan to purchase a property, your bank or lender will require security for repayment in the form of a charge that is registered at your provincial land registry office. This process secures the residential mortgage loan to your property, and gives your lender certain rights as it relates to the terms of your agreement. There are ...

The Prime Rate

The Prime Rate & Regulation Changes   In Canada, mortgages are directly impacted by the prime rate and mortgage regulations established by Government. In the last decade, a drastic drop in the prime rate, coupled with the introduction of new regulations, have enabled consumers to take on more manageable debt loads. The prime rate is the interest rate that commercial banks ...

Down Payments: 5% vs 20%

Down Payments: 5% vs 20%  When purchasing a home, one of the most important decisions you’ll make is the size of your down payment.  In Canada, the minimum amount required for any home purchase is 5% for an owner occupied home and 20% for a rental property.  Owner occupied homes with 20% or greater down payment do not require mortgage loan insurance.  Here are some ...
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