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Purview, by Teranet, delivers a national automated property valuation and fraud detection solution, designed for Canadian financial institutions, mortgage lenders, brokers and insurers that allow customers to mitigate fraud and make better mortgage underwriting and insurance decisions.

2016 changeofspaceWith the recent changes to the mortgage rules in Canada, we take a moment to look back at the evolution of the mortgage, and to highlight these new changes and what they mean.



During this time, lending and mortgages were much more laid back! There was 100% financing available, 40 year amortizations, cash back mortgages 95% refinancing, 5% down payment required for rental properties, and qualifications for FIXED terms under 5 years and VARIABLE mortgages at discounted contract rate. There was also NO LIMIT for your GROSS DEBT SERVICING (GDS) if your credit was strong enough. Relaxed lending guidelines when debt servicing secured and unsecured lines of credits and heating costs for non subject and subject properties.

2016 changeofspaceDominion Lending Centres breaks down the new changes to the mortgage space, answering your most asked questions — What, Who and Why? — And how WE can help!

Why is the Department of Finance implementing these new changes?

These new regulations are aimed at protecting the financial security of Canadians and supporting the long term stability of the housing market in Canada.

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Download our PDF and read more about the changes.

ProfessionalsCanada.jpg.size.xxlarge.letterboxNavigating the real estate and mortgage processes with the help of an expert mortgage broker can help set your mind at ease when making one of the largest financial decisions of your life.

Mortgage brokers negotiate with lenders on behalf of borrowers daily, so they know the ins and outs of what’s really important when arranging the best mortgage product and rate based on the unique immediate and longer-term needs of each borrower.

Brokers have access to multiple lenders’ products — including offerings available through banks, credit unions and trust companies, as well as alternate and private lenders. This means more choice for you — and better access to a product and rate that will meet your specific mortgage requirements.

Mortgage & Financing Services


Terms CMHC Conventional
Variable Rate Prime -0.75% or 1.95% Prime -0.50%
6 Months 3.14% 4.55%
1 Year 2.34% 2.44%
2 Year 2.14% 2.19%
3 Year 2.34% 2.49%
4 Year 2.44% 2.64%
5 Year
(120 days)
(+1% fee)
5 Year
(45 days)
(60 days)
5 Year 2.24%
(Low Rate Basic)
(Low Rate Basic)
DND Rate Special 2.24%
(5 Year until May 13)
(5 Year until May 13)
Benchmark 4.64% 4.64%

*Rates subject to change without notice. Certain conditions may apply. OAC, E & OE. Subject to 3% penalty or IRD. Rates published as of April 11, 2017.

Understand Our Rates


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Deciding which type of home to purchase

There is an endless supply of different types of homes available for purchase – ranging from condos to townhouses to fully-detached homes. The key is to decide what you can afford and which amenities you prefer before heading out shopping for a new home.

Your best first step is to seek the advice of a Dominion Lending Centres Mortgage Professional and get pre-approved on a mortgage. That way, you already know what your price range is – and, therefore, which type of home you’re in the market for – before you begin shopping.

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WhatClients Say About Us?

We worked with Gemma for our first home purchase 3 years ago and decided to have her help us on our second home. Gemma helped us when we were having issues communicating with the laywer's office. Gemma was able to step in and advocate for us. She also went out of her way to help us re-organize our finances to better prepare us for the purchase of our second home.

-Kathryn & Sean