3 Best Mortgage Brokers in Kitchener, ON

Expert-recommended Top 3 Mortgage Brokers in Kitchener, ON. All of our mortgage brokers actually undergo a rigorous 50-Point Inspection, which includes everything from checking reviews, ratings, reputation, history, complaints, satisfaction, trust and price - all to ensure overall excellence. You deserve only the best!

Kitchener mortgage broker JCMortgages.ca
Kitchener mortgage broker JCMortgages.ca
Kitchener mortgage broker JCMortgages.ca
6+ YEARS IN TBR
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JCMORTGAGES.CA

Kitchener & Surrounding Areas,
Kitchener, ON N2A 0B2

Specialty:

Refinance First-Time Home Buying Debt Consolidation Mortgage Renewals Home Equity Lines of Credit New-To-Canada Consultations Pre-Approvals New Credit Strategies Downsizing and Retirement Guidance Commercial Mortgage Self-Employed Separation Financial Plans

JCMortgages.ca is an acclaimed, comprehensive mortgage brokerage boasting a team of skilled professionals providing a five-star, full-service mortgage experience. Janna Dawdy, Principal Broker and Owner of JCMortgages.ca, is dedicated to facilitating an exceptional client journey that alleviates the stress associated with financial transitions. On top of being highly awarded, JCMortgages.ca is best known for its unwavering dedication to client appreciation and charitable community involvement. With Dawdy's nearly 30 years of experience, the JCMortgages.ca team has extensive access to a diverse array of mortgage rates, choices, and market insights to secure competitive rates and favourable terms for your benefit. Their approach entails consultative services, tailored advice, and solutions that perfectly align with the individual demands of each client. Even after the closure of your mortgage, their commitment continues, as they keep you informed and reminded, ensuring you're reassured with the knowledge that they are just a phone call away. After your mortgage closes with JCMortgages.ca, you will have access to all their exclusive client perks, including Thank You Gift programs, family events, community fundraisers and a multitude of client appreciation giveaways throughout the year. Their services extend to Waterloo, Cambridge, Brantford, Woodstock, Paris, Baden, New Hamburg, and numerous other locations. JCMortgages.ca is Your Mortgage Brokerage for Life.

2025 Update: Janna Dawdy earned awards like CMP Top 75 Broker in Canada (2017-2024) and CMP Women of Influence (2016-2017, 2021-2022).

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License #13637

Contact:

(519) 895-8416

Mon-Fri: 9am - 5:30pm
Sat & Sun: Closed

TBR® Inspection Report:

9+ YEARS IN TBR
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TRACY VALKO

VALKO FINANCIAL LTD/ DOMINION LENDING CENTRES
137 Glasgow Street, Unit 227,
Kitchener, ON N2M 5E3 Directions

Specialty:

Pre-Approval First-Time Buyer Purchase Property Reverse Mortgage Commercial Mortgage Mortgage Insurance Refinance Leasing Credit Coaching Renewal Debt Consolidation Loans Retirement Strategy Renovation Equity Take Outs Self-Employment Mortgages Cottage Financing Private/Alternative Financing Low Rate Mortgage Renewals Divorce or Separation New to Canada Buying or Selling a Home

Tracy Valko, founder of Valko Financial Ltd., is within Dominion Lending Centres, a well-known name in Canadian mortgage services. With over 25 years of experience, Tracy is a dedicated and motivated finance professional. As a member of Mortgage Professionals Canada, she upholds empathetic leadership, honesty, integrity, commitment, and professionalism. Her influence spans Canada, fostering connections with Kitchener communities. She is a regular on City News Ask The Experts. Her accomplished team ensures an exceptional client experience. Valko Financial Ltd. assists newcomers, addresses bad Credit and second mortgages. Their value includes education-based and paperless processes, pre-approvals, reverse/commercial mortgage expertise, and comprehensive insurance solutions. From first-time buyers to property owners handling Refinancing, Purchasing, or Land Transfer Tax, their services cover all. They're committed to credit coaching, renewals, and various loans, offering complete coverage. With Valko Financial, you're investing in a holistic financial partnership. They have served over 7000 families and are Licensed Across Canada.

2025 Update: Valko Financial Ltd. offers free initial consultations to discuss your mortgage needs and explore potential solutions without obligation. They work with over 40 lenders, including banks, credit unions, and alternative options, to secure the best fit.

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CMP Women of Influence 2016, 2022
Mortgage Professionals Canada Broker of the Year 2017
Dominion Lending Centres Hero Hall of Fame 2022, 2023
Top 75 Brokers in 2020, 2023
Nominated for KW Oktoberfest Women of the Year in 2020, 2022, 2023
Best New Brokerage of the Year in 2020
RBC Woman of Influence 2022
License #13717

Contact:

(519) 745-8019 (519) 722-4175

Mon-Fri: 9:30am - 7pm
Sat & Sun: Appointment Only

TBR® Inspection Report:

5+ YEARS IN TBR
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ALTRUA FINANCIAL INC.

290 King Street East, Suite 125,
Kitchener, ON N2G 2L3

Since 2017

Specialty:

Mortgage Brokering First Time Home Buyers Home Upgrading/Moving Refinancing Fixed and Variable Rate Debt Consolidation Investment Renovations Cottage Private and Alternative Financing Equity Take Out Low Rate Mortgage Renewals New to Canada Bad Credit Second Mortgages Bad Credit Mortgage B Lender Mortgages

Altrua Financial Inc.'s team, Brent Richardson, and Altrua Financial are here to help make your mortgage experience a pleasant and educational one. Their unique and highly secure paperless systems allow borrowers to complete the entire process on their smartphone if they wish, alongside an industry-leading, local mortgage expert. They focus on providing the most competitive rates today, including fine print flexibility to ensure mortgage savings for the life of the mortgage. When there's a change during the mortgage term, whether it's a move, refinance, or renewal, they have their client's backs to ensure the best possible custom solution. They constantly monitor the mortgage market, looking for opportunities to save over the long term. They invite you to experience the difference with a free, complimentary call. They give a special rate discount to ThreeBestRated Customers. Book a 10-20 minute introduction call with Brent Richardson.

2025 Update: Brent Richardson is a Certified Financial Planner (CFP®) and has over 17 years of industry experience with 1900+ mortgages personally approved. Altrua Financial Inc. uses encryption and high-level security to ensure your information and privacy always remain safe. They guarantee the best mortgage rates in Ontario, or you get $500.

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License # 13005

Discount:

Get a Special Rate Offer [USE CODE: THREEBESTRATED]

Contact:

(877) 248-9210

Mon-Fri: 9am - 9pm
Sat & Sun: 10am - 9pm

TBR® Inspection Report:

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