Pre-Approval vs. Pre-Qualification
January 29, 2025
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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
4.55%
Current prime rate is
5.20%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 7.49%
- $730.93
- $25.28
-
- 1 Year
- 7.74%
- $746.69
- 5.24%
- $595.34
- $151.35
-
- 2 Years
- 7.34%
- $721.53
- 5.19%
- $592.47
- $129.06
-
- 3 Years
- 6.94%
- $696.72
- 4.44%
- $550.14
- $146.57
-
- 4 Years
- 6.74%
- $684.44
- 4.54%
- $555.70
- $128.74
-
- 5 Years
- 6.79%
- $687.50
- 4.29%
- $541.86
- $145.64
-
- 7 Years
- 7.10%
- $706.60
- 5.35%
- $601.69
- $104.91
-
- 10 Years
- 7.25%
- $715.92
- 5.75%
- $625.02
- $90.90
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.
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 NowAbout Me
With over 18 years of experience in the mortgage industry, I’ve had the privilege of helping more than 50,000 individuals and families achieve their dream of home ownership. At Toni Mortgages with DLC Lending Logics Financial Inc., I work for you—not the banks. My approach is 100% client-focused and unbiased, ensuring you receive mortgage solutions tailored to your unique needs and goals.
Mortgages are my business, and I take pride in delivering expert guidance with a commitment to excellence. My goal is to provide personalized advice and exceptional service that my clients have come to trust.
My Specialties:
- First-Time Home buyers
- Refinancing
- Debt Consolidation
- Self-Employed Mortgages
- Solutions for Credit Challenges (bankruptcies, judgments, collections, bad credit, etc.)
- Home Equity Lines of Credit (HELOC)
- New Home Purchases & Construction Financing
- Mortgages for Investment Properties
- Reverse Mortgages
- New to Canada/New Immigrant Mortgages
- Spousal Buyouts
- Private Mortgages
Whether you're buying your first home, consolidating debt, or investing in property, I’m here to guide you every step of the way. My goal is to simplify the mortgage process and make your financial dreams a reality.
When I’m not busy finding the perfect mortgage solutions, you’ll probably find me spoiling my amazing nieces and nephew—they keep me on my toes and my heart full! I also love getting creative with a paintbrush, hitting the pickle ball court for some friendly competition, whipping up delicious treats in the kitchen, and exploring new places whenever I get the chance.
Let’s connect! Reach out to discuss your options and discover how I can help you achieve your home ownership and financial goals.
Lenders
Toni is the only mortgage broker we use and trust. She has gotten us spectacular terms and rates on 3 mortgages and a line of credit since 2016.
She’s very responsive, works hard for you, and takes the time to explain to you what you need to know. Expect a direct and personal relationship with her… don’t be surprised if she drops you a text message once you know each other. That’s my kind of broker. 👍
Andre R, Innisville, ON
We have had the pleasure to work with Toni for the last 15 yrs,
If you need any help with understanding and finding a mortgage she is your person!
I highly recommend her she’s very knowledgable.
Positive
Responsiveness, Professionalism
Sarah C, Stouffville, ON
My wife and I were looking at various options to leverage our house for the future. Toni helped us with our first mortgage, and we thought we contact her again to explore our options. We are glad that we did, as Toni is beyond knowledgeable. She paid close attention to our needs, and made recommendations that maximizes our benefits. I highly recommend Toni, and had to my family and friends.
T Yim, Markhan, ON
Though purchasing your first home can be stressful and overwhelming at times, I am very thankful to have Toni on my side to reassure me throughout the course of the process that everything will be okay.
Toni is a wealth of information, patient, extremely responsive, and went out of her way to get me the best possible rate, and within a very short turnaround time.
I am very happy with her level of commitment to providing exceptional service and would recommend Toni to anyone buying a home.
M Green, Toronto, ON
Toni has helped us move into 2 dream homes in the last 4 years. We are so grateful to have had her help as she’s not only highly-experienced and knowledgeable about everything to do with mortgages, but has literally been there EVERY SINGLE STEP of the way. She is always available to talk to, send a quick text to, and answer all of our questions and concerns. She has taken ALL the stress out of home-buying and done the impossible, made it all pleasant and worry-free. Even when we were worried about the financials, she was there to coach us on other options and always had our budget and interests in mind. Toni, words can’t express our gratitude and we’re honestly so sad we don’t plan on moving again for a while, just because working with you was THAT enjoyable…but we know that should the day ever come that we need a mortgage aficionado, your name will be the only name that comes to mind. I can’t wait to refer you to everyone we know and love. Thank you again for making every single part of our journey stress-free and incredibly educational. We owe all of our sighs of relief and excitement to you!
Chanel K, Toronto, ON
Our calculators will allow you to explore your Mortgage options.
I'm Interested!Current Rates
Current variable mortgage rate is
4.55%
Current prime rate is
5.20%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 7.49%
- $730.93
- $25.28
-
- 1 Year
- 7.74%
- $746.69
- 5.24%
- $595.34
- $151.35
-
- 2 Years
- 7.34%
- $721.53
- 5.19%
- $592.47
- $129.06
-
- 3 Years
- 6.94%
- $696.72
- 4.44%
- $550.14
- $146.57
-
- 4 Years
- 6.74%
- $684.44
- 4.54%
- $555.70
- $128.74
-
- 5 Years
- 6.79%
- $687.50
- 4.29%
- $541.86
- $145.64
-
- 7 Years
- 7.10%
- $706.60
- 5.35%
- $601.69
- $104.91
-
- 10 Years
- 7.25%
- $715.92
- 5.75%
- $625.02
- $90.90
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.
Videos
DLC - Self Employed Mortgage Solution
DLC Mortgage Life Insurance Explained
DLC- Understanding Your Credit Report
DLC - Fixed VS Variable Rates
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