Our Services

At the Home Mortgage Centre, we make home financing easy. As trusted mortgage brokers in Newfoundland and Labrador, we work with multiple lenders to find you the best mortgage rates and products. Whether you’re buying your first home, refinancing, or renewing, our expert team is here to help you every step of the way.

Buying your first home? We’ll guide you through the mortgage process, explain your options clearly, and help you qualify for first-time home buyer programs in Newfoundland and Labrador, including government incentives and tax credits.

Is your mortgage term ending? Don’t just sign your bank’s offer! We compare multiple lenders to secure better mortgage rates in Newfoundland, often saving you thousands over your term. Start your renewal up to 120 days early for maximum savings.

Need to access your home equity for renovations, debt consolidation, or investments? Refinancing your mortgage can lower your interest rate and free up funds. We’ll review your current mortgage and find the best refinancing solution for your financial goals.

Leverage the equity in your home with a Home Equity Loan or Line of Credit (HELOC). Ideal for home renovations, education costs, or major purchases, we’ll help you use your home equity wisely and cost-effectively.

Are you self-employed and finding it hard to qualify for a mortgage? We work with lenders who offer flexible mortgage solutions for self-employed borrowers in Newfoundland, even with non-traditional income documentation.

Just moved to Newfoundland and Labrador? We help newcomers with New to Canada mortgage programs, even if you have limited Canadian credit history. We’ll make buying your first home in Canada easier.

Looking for a cabin, a vacation property, or an investment rental in Newfoundland? We have mortgage solutions for secondary homes, cottages, and rental properties.

If traditional banks said no, we have access to alternative mortgage lenders and private financing in Newfoundland and Labrador. Perfect for unique situations like bruised credit, self-employed income, or non-traditional borrowers.

Paying high-interest credit cards or loans? We can help you consolidate your debt into your mortgage at a lower interest rate, reducing your monthly payments and saving you money.

Building a new home or planning major renovations? We offer mortgages for new construction and renovation financing to help bring your dream home to life.

✔ Access to multiple lenders for the best mortgage rates in Newfoundland
✔ Local mortgage experts who understand the Newfoundland and Labrador real estate market
✔ Personalized solutions for first-time buyers, renewals, refinancing, and more
✔ Free service for residential mortgage clients

Contact us for a free mortgage consultation and discover how we can help you get the best mortgage rates in Newfoundland and Labrador.

📞 Call us at 1-709-739-6400
📧 Email: info@homemortgagecentre.ca