Buying a Pre-Sale Home
February 26, 2026
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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
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
- 4.59%
- $558.49
- $197.72
-
- 1 Year
- 6.15%
- $648.75
- 4.59%
- $558.49
- $90.26
-
- 2 Years
- 5.44%
- $606.90
- 4.39%
- $547.37
- $59.53
-
- 3 Years
- 4.62%
- $560.16
- 4.34%
- $544.61
- $15.55
-
- 4 Years
- 6.01%
- $640.40
- 4.39%
- $547.37
- $93.03
-
- 5 Years
- 4.56%
- $556.81
- 4.39%
- $547.37
- $9.44
-
- 7 Years
- 6.41%
- $664.38
- 4.59%
- $558.49
- $105.89
-
- 10 Years
- 6.81%
- $688.72
- 4.59%
- $558.49
- $130.24
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.
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There are generally two ways to get a mortgage in Canada: From a bank or Kristin Woolard of DLC Next Generation.
While a bank only offers the products from their particular institution, licensed mortgage professionals like Kristin, send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.
Kristin Woolard was one of the first agents to join DLC which is Canada's largest brokerage and has now branched out to become the principal broker at her own brokerage DLC Next Generation. Being with DLC since 2007 sets her above many others due to massive loyality, dedication and experience. Let her put these accolades to work for your mortgage goals..... all at a service level that usually comes at no service charge to the consumer.
The value of a mortgage broker is that they do the shopping for you. Rather than offering one rate, which is what a financial institution does, a mortgage broker looks at several lenders choosing the one that is right for you.
Kristin is an excellent mortgage broker. She is keen, bright, caring and will help you carry through the overwhelming task of purchasing a house, especially if it’s your first home. I strongly recommend her.
Rosa Pinto
With only 16 days to finalize a mortgage, Kristin really had to work for me. Of course, I wanted the best rate, an easy payment structure, tax payments included with as little grief (read work) to me as possible and, as I said earlier, it had to be fast. During our first conversation, Kristin detailed what she would need from me, employment records, previous mortgage payout amounts, house details, lawyer or notary information, and so on. I quickly went to work getting Kristin what she needed – the thing I appreciated the most is that this was all done via email attachments and faxes. No time off work to meet, no leaving my office. When all was said and done, with Kristin preparing her end in advance, the deal closed with 4 days to spare.
Thanks Kristin for making a typically stressful process stress free. I will definitely recommend your services to my friends and co-workers.
J. Auclair
The service and knowledge we received from Kristin was first class. We already have pre-approvals from a couple banks, but we were unhappy with their service as they often took upwards of a week or two to get anything done, so we decided to try a broker. I gave Kristin a call right before the weekend and she had us set up for an in-person meeting the first morning after the weekend to familiarize herself with our case (down payment, what/where we were looking, etc). She did some back-of-the-envelope math to give us a ballpark estimate right away. 24 hours later we had our official pre-approval amount (which was also higher than what our bank offered us) and 48 hours after that we had offers from four different lenders.
As first-time homebuyers, Kristin guided us through the experience seamlessly, answering any questions we had along the way promptly and effectively. I cannot recommend her enough. If you’re unsure about choosing a mortgage broker, give Kristin a call.
Cody Hart
I recently have been able to buy an investment property with the help of the amazing Kristin Woolard. At the last minute, I found out that the 1st lender was only able to lend 70% and not the 80% originally offered. Kristin was able to find the extra financing for me within a week. She was available whenever I needed to talk to her and gave me frequently updates so that I always knew what was going on. Everything that we needed to do, she did with the utmost efficiency. She is the best mortgage broker I have ever worked with. I am so grateful to her and of her talents.
Shahla Khalsa
Kristin is amazing… so helpful and knowledgeable! She will go above and beyond for the needs of her clients. I would recommend Kristin to anyone I know for their mortgage needs.
Michelle R.
Our calculators will allow you to explore your Mortgage options.
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