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
3.90%
Current prime rate is
4.45%
-
- Terms
- Bank Rates
- Payment Per $100k
- Our Rates
- Payment Per $100k
- Savings
-
- 6 Months
- 7.89%
- $756.21
- 5.99%
- $639.21
- $116.99
-
- 1 Year
- 6.15%
- $648.75
- 4.99%
- $581.04
- $67.71
-
- 2 Years
- 5.44%
- $606.90
- 4.44%
- $550.14
- $56.76
-
- 3 Years
- 4.62%
- $560.16
- 3.94%
- $522.77
- $37.39
-
- 4 Years
- 6.01%
- $640.40
- 4.19%
- $536.37
- $104.03
-
- 5 Years
- 4.56%
- $556.81
- 4.19%
- $536.37
- $20.44
-
- 7 Years
- 6.41%
- $664.38
- 5.10%
- $587.31
- $77.07
-
- 10 Years
- 6.81%
- $688.72
- 5.34%
- $601.11
- $87.61
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.
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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.
Kristin goes above and beyond to get what you’re looking for. She is very accommodating and informs you all the way along about what is happening and where you’re at in the process. Touches base with you to make sure you’re getting feedback. She is so great that both of my sons deal with her. Thanks again for everything you did for us to get us what we needed.
Kim Kennedy
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 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
Working out of town and having to buy a home on the road, I thought, was going to be a nerve racking process, until I hired Kristin as my mortgage broker. She really handled everything and made the process as smooth as I ever imagined. Always prompt replies to my many questions being a first home buyer, and always made me feel important! Highly recommended. 5-stars!
Til Ess
We needed a mortgage that had flexible payment options while still getting the best possible rate and Kristin was able to find us the perfect lender for our needs. Our rate is better than just about anyone else I’ve asked and the payment flexibility is great. Kristin couldn’t be friendlier or more helpful.
Michael Kwan
Our calculators will allow you to explore your Mortgage options.
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