289-238-8324     905-609-2211     john@ndlc.ca
Serving The Greater Golden Horseshoe Area

Mortgages

Home Ownership is the Key to Building Wealth

I find people today view real estate as more of an investment than a place to call home.

They want to not only buy a property for their families but also want to own a vacation home and a couple of rental properties or at least flip a house or two along the way, to get ahead or work towards living an amazing life. Not a bad plan if I do say so myself and I can help you make that happen.

It all starts with that first property.

 

As an expert mortgage broker with Neighbourhood Dominion Lending Centres, I can provide you with a variety of options to get you into that first home, refinance to consolidate debt, help your children with University, buy that first rental property, a vacation home, or help you buy that dream home! 

Family Standing in front of home

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Did You Know?

Here is a helpful reference for you!

  • What Does A Mortgage Broker Do?
  • Why should I use you?
  • What is Your Fee?
  • What is Driving the Real Estate Market? Or Why do the Real Estate Prices just keep going up?
  • What’s happening with Interest Rates?
  • What is the Stress test?
  • Should I go Fixed or Variable?
  • What Lenders do You deal with?
  • Why do Banks and Credit Unions charge 3 times the penalty than other mortgage companies?
Get All The Answers Here

How May I Help You?

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First Time Home Buyers Tips:

First time home buyers tips

A good rule of thumb is that you can borrow 5 times your annual income on a mortgage.​

First time home buyers tips

When you buy a home with less than 5% down you have to pay High Ratio mortgage insurance. This is 4% of the purchase price with 5% down and 3.2% of the purchase price with 10% down and the premium is added to your mortgage.

First time home buyers tips

Make sure you have at least two active trades on your credit rating for at least 2 years before deciding to buy your home or you will require a co-signor.

First time home buyers tips

You will need to have money for a deposit before you can put in an offer to purchase a home. That could be anywhere from $5,000 to $20,000 depending on the price of the home.

First time home buyers tips

Lenders expect you to have 1.5% of the price of a home for closing costs.

First time home buyers tips

Most mortgages are closed and the mortgage company will charge a penalty if you need to pay off the mortgage early.

First time home buyers tips

Open mortgages have much higher interest rates.

First time home buyers tips

Banks and Credit Unions charge higher penalties than other lenders.

First time home buyers tips

Make sure you set up house insurance at least two weeks before closing.

First time home buyers tips

Your lawyer will handle all the money on closing.

First time home buyers tips

You won’t get the keys to your new home until later in the afternoon on closing day.

Current Rates

We make sure that you get the best possible rate available to you.

Check out our current rates below:

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Mortgage Calculators

Discover your mortgage payment, affordability and much more with these helpful mortgage calculators.

Home Purchases

calculato Mortgage Rate & Payment
Gives you quick access to loan options and the difference they can make in your monthly mortgage payment.

calculato Bi-weekly Payment
Shave years off your Mortgage and save you thousands by using an accelerated bi-weekly mortgage payment.

calculato Mortgage Compare
Which mortgage provides you with the best value.

calculato Mortgage Qualifier

calculato Mortgage Payoff
Save thousands of dollars in interest by increasing your monthly mortgage payment.

calculato Rent vs. Buy
Are you better off buying your home, or should you continue to rent?

Finance

calculato Mortgage Refinance Interest Savings
Find out how much interest you can save by refinancing your mortgage.

calculato Bi-weekly Payment
Shave years off your Mortgage and save you thousands by using an accelerated bi-weekly mortgage payment.

calculator Mortgage Compare
Which mortgage provides you with the best value.

calculato Mortgage Payoff
Save thousands of dollars in interest by increasing your monthly mortgage payment.

calculato Mortgage Qualifier
This calculator helps you determine just how much house you can afford.

Home Equity

calculato Credit Line
A Dominion Lending Centres mortgage professional will be able to answer whether you need a line of credit. Use this calculator to find how large a credit line you can obtain.

Planning

calculato Home Budget
See how much you have left to save and where your money is being spent.

calculato Accelerated Debt Payoff
Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

calculato Compare Savings Rate
Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!

calculato Consolidation Loan Investment
Getting a consolidation loan can do more than payoff your debt. Use this calculator to see the results of paying off your debt and investing your payment savings.

calculato Cool Million
Find out when your savings plan will make you a millionaire!

calculato Education Savings
Use this calculator to help develop or fine-tune your education savings plan.

calculato How Much Is Enough For My Retirement?

Insurance

calculato Life Expectancy
This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
John Wright Pre Approve mortgage
John Wright mortgage toolbox

What My Clients Are Saying

  • John, As we reflect on our journey toward purchasing our home at this time last fall, we wanted to take a moment to express our heartfelt gratitude for all the support and guidance you've provided us. Last Thanksgiving, we were particularly thankful for your generosity and time in helping us explore our options. Your patient explanations and thoughtful advice made a world of difference, and it truly helped us understand how we could move forward in the process. Thanks to your assistance, we felt more confident and informed every step of the way. Your expertise and dedication did not go unnoticed, and we are sincerely grateful for your kindness and commitment to our success. Thank you once again for being such a wonderful support throughout this journey. We would not be sitting here in the comfort of this home if it weren’t for you.

    Tim, Twila, and Lexie

  • Over the past year and a half we have had the pleasure of working with John on the purchase of our first home. John was incredibly knowledgeable, approachable and patient to answer any and every question we had to walk us through the entire mortgage process. We also appreciated that John took the initiative to remind us to lock into a new mortgage rate once our pre-approval periods expired as we navigated the post-pandemic market fluctuation. We have nothing but good things to say about our experience working with John and would recommend him to anyone especially first-time homebuyers.

    Julia Mulder

  • John, we just wanted to say “Thank You!” and how much we appreciated your services as a mortgage broker, as well how professional and efficient you are especially with communication and correspondence when switching our mortgage. You always had a positive attitude and had or best interests in mind throughout the entire process, no matter how many questions I had for you, you answered them with full explanation, knowledge and in a timely manner with a positive attitude!! We will highly recommend your services.

    Virginia Bourne

  • Thanks again for all your help. We really appreciated how quick, easy and smooth the whole process was. We will certainly recommend your services to anyone who needs mortgage financing.

    Brad Rome

  • Thanks for everything John, your warmth as well as sense of honesty & forthrightness was wonderful.

    Anoop Madhok

  • John, your service completely exceeded my expectations. I also liked the fact that all negotiations were done on my behalf without ever having to step into a financial institution.

    Karen Vickers

  • I am a Global Relocation Consultant and I have recommended John’s expertise for the past 7 years. I have personally experienced his professionalism, knowledge and attentiveness to detail through the process of applying for a mortgage. He is caring and he listens. He will also get you the best rate. Thank you John and keep up the good work.

    Rasa Warr

  • John helped me with my first mortgage and made the process easy to understand. He is great to work with!

    Chris Moning

  • We just bought our first home and John helped to make the process go smoothly. He was very knowledgeable and helped us get a great rate.

    Sarah Costa

  • I am a realtor and have been working with John for over 10 years. I know that he will provide my clients with the right information and guidance especially my first time buyers. He is thorough and knowledgeable.

    Serge Melnyk