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Yves Charlemagne

Yves Charlemagne

Mortgage Agent

Licence #: M16001785

CENTUM National Mortgage Loans Inc.

Licence #: 10855

2911 Kennedy Road

Toronto, ONM1V 1S8
Direct: 416-910-5266 Office Fax: 888-421-4858

Lowest Rates* in Canada

Welcome to my Website

Finding a great mortgage can be stressful and time-consuming…But 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.™

If you have DECENT credit but NO down payment, Call me... (certain conditions apply!) 

If you have NO credit, BRUISED credit, Call me...(certain conditions apply)

Looking for viable REAL ESTATE opportunities within the GTA?...Call me...

Want to be a Lender and get numerous clients? Call me...

New and/or Experienced in the REAL ESTATE world, I can help find you clients..Call me!

I would like to Partner with YOU !!! 

We are ‎Private Lenders / Real Estate Investors

We can Lend up to 100% Financing (‎Zero Down) For Clients.

On Refinancing we can usually go to 90%

We Lend Clients their Down Payment for a Mortgage. ‎

Example if a Client is Buying a $400,000 Property We Can Lend the Client their 5% Down ($20,000)  

I Work with ALL Realtors

Here is the Best Part...‎

If You are a Real Estate Agent they MUST Buy the House with YOU and When they SELL (in 1 Year or 5 Years or 10 Years or Whenever) They Have to SELL with YOU (If the Client Needs a Mortgage Agent We Have Mortgage Agents that We will Refer them To)‎(We work with All Realtors From All Companies Century 21, Re/Max, Homelife, etc)  GUARANTEED REPEAT BUSINESS!!!  CALL ME!!

If the Client Needs a Realtor I have Realtors that We will Refer them To)(I work with All Mortgage Agents From All Companies Centum, Dominion Lending, Mortgage Alliance, etc)‎  REPEAT BUSINESS!!! CALL ME!!


GOAL: Offering viable mortgage solutions that WORKS FOR YOU at EVERY TURN!. Every client is serviced personally.




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