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Bruce SmithBruce Smith brings over 20 years of business enterprise development and funding solutions, through an innovative and effective, results driven approach. As part of the team at CENTUM Future Mortgage Group Inc., Bruce proudly services clients throughout Canada and the United States with a focus on the Ontario marketplace.

Bruce’s “one stop shop” philosophy for servicing clients’ needs includes residential commercial and construction mortgages, plus innovative business to business financing solutions:

-     Residential mortgages including prime, sub prime and private money markets.
-     Purchases or refinances
-     Existing homes or new construction
-     1st, 2nd and 3rd mortgages
-     Commercial mortgages and raw land
-     Construction mortgages
-     Bridge financing
-     VTB strategies
-     Joint ventures
-     RRSP eligible investment opportunities

Bruce holds a Bachelor of Business Management Degree, majoring in accounting/finance and enterprise development. His education combined with an extensive operations background provides the experience and understanding of innovative business financing solutions:

-     Access to “hidden” institutional lenders
-     Angel investments, venture capital, asset based lending
-     Leasing, factoring, purchase order financing, credit facilities
-     Effective business outsourcing solutions
-     Strategic planning, business plan reviews and budget preparation


As one of the industries leading experts, Bruce has authored several articles including:

-     March 16th, 2017 - The Londoner - Double down to make more

-     February 9th, 2017 - The Londoner - Saving money for retirement a matter of small changes

-     October 27th, 2016 - The Londoner - Experts wonder if mortgage rule changes are “the last nail in the coffin?”

-     August 18th, 2016 - The Londoner - Multiple factors tied to hot London real estate market

-     June 23rd, 2016 – The Londoner - Preparation not perspiration the key to financing in a hot residential market

-     December 10th, 2015 - The Londoner - London Averts Doubling of Land Transfer Tax : View Online

-     September 3rd, 2015 - The Londoner - Calculating the economic impact of tightening mortgage rules

-     July 30th, 2015 - The Londoner - London real estate market hot, hot, hot : View Online or PDF Version

-     May 14th, 2015 - The Londoner - Finding Funds : View Online or PDF Version

-     March 26th, 2015 - The Londoner - Good versus bad debt : View Online or PDF Version

-     August 27th, 2014 - Canadian Mortgage Professional Magazine - Financing “Rent to Own” Properties

-     August 7th, 2014 - The Londoner - Finding money in lean times : View Online or PDF Version

-     May 8th, 2014 - The Londoner  - Why I love the spring real estate market : View Online or PDF Version

-     December 26th, 2013 - The Londoner - Top five ways to improve your credit in 2014 : View Online or PDF Version

-     February 2008 - Canadian Mortgage Professional Magazine - Calling all Mentors : PDF Version

-     September 2007 - Enterprise Magazine - Where To Go When The Bank Says No : PDF Version

-     February 1st, 2007 - Networking Today - Home Financing Made Easy Part Three : View Online or PDF Version

-     January 1st, 2007 - Networking Today - Home Financing Made Easy Part Two : View Online or PDF Version

-     December 1st, 2006 - Networking Today - Home Financing Made Easy Part One : View Online or PDF Version

-     November 1st, 2006 - Networking Today - Financing Commercial Properties : View Online or PDF Version

-     February 2006 - Canadian Mortgage Professionals - Cottage Industry : PDF Version

Service Area: Ontario


Lowest Rates* in Canada

Lowest Rates* in Canada
Term Our Rate Bank Rate
3 Year Fixed 4.89% 6.44%
5 Year Fixed 4.64% 6.34%
5 Year Variable 5.75% 7.15%
27 Jan 2023

Updated: August 01, 2017

Rates may vary between geographic regions and the posted rates on this website may not be available in your area. Please contact your local CENTUM office for more details.

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