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Stephen is an astute, dynamic leader, with a thorough knowledge of the Real Estate financing marketplace. He is a fabulous resource for me in my business and helps me achieve a high level of confidence from my clients by assisting them with their financial needs.

Dann Wilson

Excellent! That says it all.

Karleen Cofell

It is always a pleasure working with Steve as a referral partner. He is very knowledgeable and always seeks to understand the client and the lenders needs to provide great customer service. You can certainly tell that Steve is passionate in what he does and truly cares about his clients.

Donna D'Amico

Very good experience with Stephen Dainard. He has been very helpful every step of the way.

Kevin Simpson

Great experience! I’m very happy with Stephen’s advice and selections when picking my mortgage.
Andrei Sidov

My experience working with Stephen was so positive. Stephen and his wife worked hard to get me the best rate for my new home. I would recommend Stephen to anyone. I have referred buyers to him before and will continue to do so.
Vanessa Wilson

Very professional, knowledgeable and prompt team. Highly recommend over traditional lenders such as banks and credit unions.
Robbie Meilleur

Steve works hard to make it happen for you. I have had the pleasure of working with Steve for just over a year both on a mortgage, and on a book his is writing with colleagues to make buying and selling real estate more clear for his clients. Not only does he bring his 110% to the table with his clients, he is brilliant at working with his real estate partners for maximum return on their investment during cross promotion.
Angela Brooks

As being new to buying my first home, thy were very helpful. Not only are thy going to help you get into the market thy are with you ever step of the way. Willing to answer any questions you may have and personal advice that they offer and advisement is second to none. Thy keep in touch as time goes on. It’s not just people that u call and the get u what you want it’s a bond that you build, more of a long lasting friendship. Evan now after everything is said and dun there still there to help. Can’t wait to do more business with them in the future.
Adam Burt

Steve secured a great mortgage for our second rental property. The process was smooth, friendly and professional, just like Steve. I would highly recommend the services he provides!
Sherri Friesen

Excellent service. Very easy to talk to. Very efficient.

Barbara Grumme

Stephen is one of the most active Mortgage Agents out there, maintaining great relationships with other professionals in the industry and providing one of a kind service for his clients. He’s knowledgeable in all areas of mortgage lending, and as a Realtor I know when I refer a client to Stephen they are getting the best.
James Altmann

We had great help and support!

Michelle D'Oppido

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

I am so grateful that I got to work towards buying my first home with Stephen. He was super amazing and made everything work out to make one of my biggest dreams come true. I am forever grateful and will definitely spread the word about his willingness to help and work with his customers. Thanks a million times again!

Ingrid Gamboa

Steve was very friendly and open and made the first time home buying experience as easy as could be with all his insight and help. He even sends Xmas cards! Highly recommended – excellent service. Thanks so much!
Kevin Gillespie

Steve helped us out with our mortgage when we first bought our house. We weren’t ideal candidates, but he helped us find ways to make the approval happen. He even traveled to meet us when and where it was convenient for us. Now he’s helping us out again, and made us aware of some options we didn’t know about that are going to save us about $300/month. He goes above and beyond, and wants to make sure his clients are in the best possible financial situation they can be in.
Alex Brandeau

Steve is a great resource in the Mortgage Industry. A few of my clients have worked with Steve, and had nothing but good things to say. Great work Steve!
Joe Gonzalez

Everyone was very helpful and extremely accommodating. This was our first home, and we felt completely comfortable with the whole process with help from Steve. We recommend them whenever we can. Thanks again!
Amber Bell

I am grateful that Stephen was there to help me find the right mortgage and the process was very straightforward with great communication. I’m very confident when recommending him to friends.
William Gaston

Stephen Dainard went above and beyond in any dealings I have had with him. He met my clients at their convenience at their desired location and kept me up to date. I am not too computer literate and Stephen has helped me with marketing on social media sites. Steve is a great guy, easy to talk to and takes the time to explain the mortgage process. I would recommend Stephen.

Sherry Hoover

Thank you for all your help with my first mortgage. You made the process so easy. I will be sure to recommend you to all my friends and family

Tammy Pithouse

It is always a pleasure working with Steve as a referral partner. He is very knowledgeable and always seeks to understand the client and the lenders needs to provide great customer service. You can certainly tell that Steve is passionate in what he does and truly cares about his clients.

Lisa Punch

A very likable and professional person. A please to do business with.

Dariusz Sidor

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

I am very happy with my experience. Stephen has helped me to understand my mortgage better and also to make better decisions. I would gladly recommend him to anyone looking to get a mortgage or to renew one!
Deborah Pare

Steve is a true professional who takes his business seriously. He truly cares about his clients and strives to deliver top-notch service. Kelly was great at making sure that the whole process went smoothly while Steve was there to answer any questions and ensure that we received the best offer from the various lenders they work with. I have referred to Steve in the past and will continue to do so in the future.”
Jeff Romansky

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

Steve is so personable and knowledgable. He gives each client his full attention to meet their individual needs. I would highly recommend Steve.
Sharon Loaring

How can we help you?

Pre-Approvals

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.

Refinancing

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.

Latest Mortgage Resources

How to Save For A Down Payment

How to Save For A Down Payment

Saving for a down payment to purchase a home can be a challenge. There are a few potential sources of down payment that are recognized by mortgage lenders. If you’d like to discuss options in greater detail, let’s connect for a quick chat to run through your...

What is CMHC Insurance?

What is CMHC Insurance?

Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as the national housing agency. One of their main functions is offering mortgage default insurance to Canadians applying for mortgages. There are two other mortgage insurance...

Mortgage Deferrals Pros and Cons

Mortgage Deferrals Pros and Cons

One of the effects of COVID-19 has been the negative impact on the economy. With many residents in the Niagara Region losing their jobs or suffering lay offs, the ability to make mortgage payments has been a primary concern. The lending community responded immediately...

What is CMHC Insurance?

What is CMHC Insurance?

Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as the national housing agency. One of their main functions is offering mortgage default insurance to Canadians applying for mortgages. There are two other mortgage insurance...

Mortgage Deferrals Pros and Cons

Mortgage Deferrals Pros and Cons

One of the effects of COVID-19 has been the negative impact on the economy. With many residents in the Niagara Region losing their jobs or suffering lay offs, the ability to make mortgage payments has been a primary concern. The lending community responded immediately...

What are the closing costs in Ontario?

What are the closing costs in Ontario?

The total amount of money you will need when you purchase a home will extend beyond your down payment. In addition, you will need to save the necessary funds to cover the relevant closing costs. The total amount required can vary based on several factors. Here...