Welcome
Whether you are a first-time buyer or an experienced buyer with excellent credit, Dominion Lending Centres has access to the very best products and rates available across Canada. Give us a call… we think you’ll be pleasantly surprised!
Get in TouchCurrent Rates
Our rates are always competitive and we pride ourselves on making sure that you get the best possible rate available to you. Check out our current rates below, compared to the competition.
Current Rates
Current variable mortgage rate is
3.70%
Current prime rate is
4.45%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 4.54%
- $639.21
- $116.99
-
- 1 Year
- 6.15%
- $648.75
- 4.54%
- $581.04
- $67.71
-
- 2 Years
- 5.44%
- $606.90
- 4.39%
- $550.14
- $56.76
-
- 3 Years
- 4.62%
- $560.16
- 4.34%
- $522.77
- $37.39
-
- 4 Years
- 6.01%
- $640.40
- 4.39%
- $536.37
- $104.03
-
- 5 Years
- 4.56%
- $556.81
- 4.39%
- $536.37
- $20.44
-
- 7 Years
- 6.41%
- $664.38
- 4.54%
- $587.31
- $77.07
-
- 10 Years
- 6.81%
- $688.72
- 4.54%
- $601.11
- $87.61
Calculators
Our Interactive Mortgage Calculators will allow you to explore your Mortgage options to make the right home financing decision.
Use NowHow to Apply
Applying for a mortgage couldn’t be easier. Just complete our secure application and we will be in touch shortly.
Apply NowI Get Mortgages Approved That Others Can’t.
20+ years experience. Former underwriter. I know exactly how lenders think—and how to structure your deal to get approved.
Most people don’t get approved because their deal is structured wrong.
I fix that.
Banks follow rigid rules.
Most brokers just submit your file and hope for the best.
I don’t.
I build your application the way lenders want to see it—before it ever gets submitted.
That’s the difference between:
❌ Declined
✅ Approved
Wayne.Mcfarlane@dominionlending.ca
WHO I HELP
First-Time Buyers
Still renting? Not sure where to start?
I’ll show you exactly how to move from renting to owning—step by step
Mortgage Renewals
About to renew with your bank?
You could be overpaying by thousands without even knowing it.
Self-Employed / Tough Deals
Income not straightforward? Been declined before?
This is where my underwriting experience makes the difference.
I’m Not Just a Broker — I Used to Approve Deals.
- Former underwriter
- 20+ years experience
- I know lender approval criteria
- I structure files to win
This is the edge most brokers don’t have.
With over 20 years in the industry, including 10 years with CIBC, I’ve helped clients:
- Get approved when others said no
- Secure better rates and terms
- Navigate complex financial situations
- Move from renting to owning
This isn’t guesswork. This is strategy.
Here’s How It Works:
1. Quick Application
Tell me about your situation (takes 2–3 minutes)
2. Strategic Structuring
I analyze and structure your file like an underwriter
3. Approval & Funding
We secure the best possible mortgage for your situation
Homeownership isn’t out of reach.
You just need the right strategy.
Whether you’re buying your first home, renewing, or trying to get approved after being declined—
There’s always a path forward.
I’ll help you find it.
Let’s Make This Happen.
- ✔ Fast pre-approvals
- ✔ Clear strategy
- ✔ No pressure
Videos
DLC - Self Employed Mortgage Solution
DLC Mortgage Life Insurance Explained
DLC- Understanding Your Credit Report
DLC - Fixed VS Variable Rates
Free Mortgage Review
Find out how much your home is worth.
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Making homeowner dreams come true
We're here to help you with home purchases, mortgage renewals, refinancing and more.