We work for you.
Not the big banks.

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De-Hassling Mortgages across the Niagara Region & Southern Ontario

You’ve heard the horror stories – finding the mortgage that best suits your individual needs is no easy feat. Our team of experienced brokers is here to guide you through each step of the process. No matter what mortgage product you’re looking for – purchases, refinancing, equity, debt consolidation or renewals – we’re always a call or email away so you know exactly what your options are.

Our success is yours. Let’s get started.

Why use a mortgage broker?

Find your best rate

Mortgage brokers aren’t bound to any one bank or lender. We’ll compare rates from over 50 lenders across Canada until we find the one that works best for you.

Knowledge & expertise

For the past 15 years, I’ve spent my time learning the ins and outs of the mortgage industry so you don’t have to. Let me use my expertise to save you time – and money.

rates at wholesale

Big banks typically don’t post their best rates available. Being an independent broker lets me acquire lending rates at wholesale, with guarantees of up to 120 days.

my interest's vested in you

My business is built on repeat customers and referrals like yours – which means my success relies on making sure my team finds you the best mortgage solution possible.

Meet your Niagara Mortgage Team

Stephen Dainard

Kelly Dainard

Connor Smith

You’ve heard the horror stories. Of mounds of paperwork, impossible qualifications, difficulties and delays. Of the fighting, the shopping – the haggling to find a rate that works for you.

Keep those stories for your campfire.

Finding a mortgage solution that works for you is our specialty. Our team of qualified experts have over 25 years of experience between them, and can help ensure your mortgage process is smooth from beginning to end. Stop waiting – let’s get started today.

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Community Involvement

The  Greater Niagara Chamber of Commerce (GNCC) is a non-profit, non-partisan, membership-driven  organization comprised of 1,500 business enterprises, civic organizations, educational institutions and individuals. We are  dedicated to helping businesses and organizations succeed in order to ensure the long-term economic and social prosperity of the Niagara region.

Rotary is where neighbours, friends, and problem-solvers share ideas, join leaders, and take action to create lasting change.

Through Rotary clubs, people from all continents and cultures form friendships and professional connections while making a difference in their backyards and around the world.

Mortgage Professionals Canada is Canada’s mortgage industry association representing over 13,000 individuals and over 1,000 companies, including mortgage brokerages, lenders, insurers and industry service providers. Our members make up the largest and most respected network of mortgage professionals in the country whose interests we represent to government, regulators, media and consumers. 

In the heart of the revitalized St. Catharines downtown core, the St. Catharines Club is nestled amongst the thriving business community. New industry, revitalization of existing industry and a commitment to progress, this is the epicentre of business in the Niagara Region.

Each quarter, every member puts forward $100 and we vote on a worthy cause to support. Collectively we donate $10,000 per quarter and $40,000 annually to charities across Canada. In addition to raising $40,000 annually for charity and special causes, our mandate is to use this website to showcase charities and causes in order to increase awareness of needs across Canada. Check back often!

How can we help you?


We support our customers every step of the way, helping to make sure you are taken care of always.

Luxury Mortgages

Looking for a luxury home in the Niagara Region or Southern Ontario? We're equipped to help.

CHIP Reverse Mortgages

The financial solution designed to help homeowners 55 years+ retire securely.

First Time Buyers

Ready to find your first home? Our team is assembled and ready to walk you through the mortgage process - and your front door.

Private Mortgage

Having a tough time getting the financing due to poor credit? We can likely help you out.

New to Canada?

Mortgage financing for permanent or non-permanent citizens looking to own a home in Canada.


Unlock some of your home equity for debt consolidation, escaping high rates or other important needs.

Self Employed?

Mortgage solutions for self-employed individuals who lower their taxable income via write-offs and deductions.

Hear from Happy Homeowners

“As first time home buyers, we were nervous going into the process of purchasing a home but Steve made the process so simple and was so good at explaining everything to us! Very knowledgeable and awesome to work with! Thank-you, Steve!”
Andrew Marshall

“I believe you have done the best for us and we are very happy with the service you gave us You met all our expectations. We could not ask for any more. Thanks, we are happy and sure will use your service when we renew our mortgage next year.”

Raoul Bernashawi

“We recently renewed our mortgage with Steve. Not only was he easy to deal with, but very knowledgeable on the products and was able to provide us with exactly the feature we were looking for. I would not hesitate to recommend him.”

Liliana Ruggi