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What is Refinancing?
Refinancing means replacing your existing mortgage with a new one, to secure a lower rate, reduce monthly payments, or tap into your home’s equity.
View Case StudyDominion Lending’s #1 Mortgage Broker in Canada – 17 Years in a Row
With 20 years of experience, the Collin Bruce Mortgage Team specializes in finding the right mortgage to fit your unique needs, not one-size-fits-all solutions. Whether you are a first-time homebuyer or refinancing, we offer personalized advice and creative strategies to help you secure competitive mortgage rates and flexible lending options. Serving clients across Alberta, British Columbia, Saskatchewan, Ontario, New Brunswick, Newfoundland, PEI, Nova Scotia, the Northwest Territories, Nunavut, and Yukon, the focus is on making the mortgage process as simple and stress-free as possible while helping turn homeownership goals into a reality.
Borrowed Down Payment
Don’t have the required 5% down payment for your new mortgage? We can help you get it from a loan or line of credit. Take advantage of low interest rates and housing prices — without having to wait while you save up the down payment!
Purchases
Whether you are a first-time home buyer or an experienced buyer, we provide access to a wide range of mortgage products and loans with competitive options, including some of the best mortgage rates in Alberta and beyond from lenders across Canada.
Refinancing
Refinancing a home loan is an easy and affordable way to pull out equity for home improvements, investments, debt consolidation, and more.
Renewals
By negotiating for a better renewal, you could save thousands of dollars each year. We can shop around for an interest rate before you even hear from your lender. And the best part is that all legal fees and appraisal costs are covered by the lender.
Purchase + Improvements
Perhaps you’ve found your perfect home, though it’s in need of some repairs and/or upgrades? With our purchase + improvements program you’ll have funds available right away to renovate immediately upon possession. Your mortgage will cover both the purchase price of your home, plus the cost of renovation.
Spousal Buyout Program
Helping those going through separation/divorce, the Spousal Buyout Program helps couples establish financial independence. It is a process involving one spouse buying out the other from an existing mortgage, where the equity is split, and new terms of the mortgage are established, for the individual staying in the home.
New to Canada
Are you new to Canada and wanting to purchase your first home here? Our expert mortgage advisors are here to answer all of your questions, and to help you achieve the home you desire for you and your family.
Second Properties
Thinking about purchasing a second property? Whether you’re considering purchasing a second home for investment purposes or as a vacation home, speak to one of our qualified mortgage advisors about how we can help you achieve your home ownership goals.
Vehicle Financing
Whether you’re looking to refinance your auto-loan to lower your payments, get cash back for down payment for your first home, remove yourself from a co-signed loan, or are looking to finance a new vehicle, we can help!
CHIP Reverse Mortgage
The CHIP Reverse Mortgage is a versatile financial option that can help solve several financial challenges faced by Canadians 55+. Access up to 55% of your home’s value in tax-free cash!
Mortgage Protection Insurance
Keep your loved ones protected in the event of a serious injury, accident, illness, or worse. Mortgage Life and Disability Insurance will prepare you for the unexpected.
Why use a mortgage broker?
We can access more mortgage products.
We have access to a wide range of mortgage products, not just a single lender’s products. While banks can only offer their own options, we compare hundreds of mortgage solutions from Canada’s largest banks, credit unions, trust companies, and financial institutions to help you secure competitive mortgage rates in Alberta and beyond.
We’re one of Canada’s top mortgage brokers.
Dominion Lending Centres (DLC) funded over $83 billion in mortgages across Canada in 2024 and we have been DLC’s #1 mortgage broker for number of mortgages funded in Canada for 15 years (since 2010). Simply put, the more volume we do, the lower rates you get.
We’ll walk you through the mortgage process.
Our experienced team of professionals is dedicated to helping you achieve your home ownership dreams, providing excellent customer service, and saving you thousands in the process.
Our services are completely free to use.
The lender pays us based on the volume we send them, not the interest rate, and we don’t get paid until your mortgage funds. You can enjoy confidence and security in knowing that we will get you the right mortgage for your needs. If you want to find out more, contact our South Edmonton Office.
