Contact
Speak with a Niagara Mortgage Advisor
Purchases, renewals, refinances and investment files across all 12 Niagara municipalities, by appointment, phone or video. Write to us and we aim to reply within one business day.
Reviewed November 13, 2026 · Indicative figures, OAC
How to reach us
The fastest route is the form below: it tells us your goal and numbers up front, so the first reply can be specific rather than a list of questions. You can also email hello@mortgageniagara.com at any time.
- hello@mortgageniagara.com
- Municipalities served
- all 12
- Meetings
- phone, video or in person by appointment
- First reply
- we aim for one business day
Pre-approval & rate review
Get your Niagara mortgage numbers checked
Tell us where you are buying or what you owe. We reply by email, usually within one business day, with options from across the lender tiers.
- A licensed advisor reviews your numbers against A-lenders, Ontario credit unions and alternative lenders.
- Rate holds of up to 120 days on purchases and renewals (lender-dependent).
- On prime files the lender pays the brokerage, so there is no fee to you; any fee on alternative or private files is disclosed in writing first.
- Nothing goes to a lender or credit bureau until you say so.
Prefer email? Write to hello@mortgageniagara.com.
Where and how we meet
Mortgage Niagara is anchored in downtown St. Catharines and works with borrowers across the whole region. Most files are handled by phone or video, with documents shared electronically, which suits commuters to Hamilton and the GTA, shift workers in Niagara Falls hospitality, and owners in rural Wainfleet or West Lincoln alike. In-person meetings are by appointment. If you prefer a call, leave your number in the form and the time that suits you; we will call you.
| Municipality | Benchmark price | Local guide |
|---|---|---|
| St. Catharines | $530,000 | St. Catharines |
| Niagara Falls | $565,000 | Niagara Falls |
| Welland | $485,000 | Welland |
| Grimsby | $725,000 | Grimsby |
| Fort Erie | $485,000 | Fort Erie |
| Lincoln | $695,000 | Lincoln |
| Thorold | $525,000 | Thorold |
| Niagara-on-the-Lake | $865,000 | Niagara-on-the-Lake |
| Pelham | $795,000 | Pelham |
| Port Colborne | $475,000 | Port Colborne |
| West Lincoln | $660,000 | West Lincoln |
| Wainfleet | $635,000 | Wainfleet |
What to include for a faster answer
- Your goal. Buying, renewing or switching, refinancing, investing, or alternative financing.
- The numbers. Price or home value, down payment or current balance, and your maturity date if you are renewing.
- Income type. Salaried, self-employed, commission or tipped, pension, or rental.
- Timeline. A closing date, a renewal date, or "just exploring".
- The property, if it is unusual. A cistern, well or septic, acreage, a basement unit, a student rental, or a pre-construction closing.
Worked example: a message we can answer in one reply
"Buying in Thorold around $525,000 with 10% down, salaried, closing in spring." From that alone we can tell you the minimum down payment ($25,000 + $2,500 = $27,500, or 5.24%), that 10% down ($52,500) means a $472,500 loan at 90% loan-to-value, an insurance premium of 3.10% ($14,647.50) added to the mortgage, and $1,171.80 of PST due in cash on closing. At the indicative 4.29% insured rate over 25 years, the payment on $487,147.50 is about $2,639.65 a month, before property tax of about $568.75 at Thorold's approximate 1.30% rate.
What happens after you write
- Acknowledgement. You see a confirmation on screen with a summary of what you sent.
- First reply. We aim to respond within one business day with initial thoughts and a suggested time to talk.
- Review conversation. By phone or video, about your goal, income, credit and timeline. Nothing is pulled from your credit file without your consent.
- Written disclosure. Before you sign anything, you receive the brokerage's licence number, how it is paid and any conflicts, in writing.
- Options. A short comparison of lender tiers and terms that fit your file, with rates on approved credit.
Frequently asked questions
How quickly will you reply?
We aim to reply within one business day of receiving your enquiry, by email or by phone if you leave a number and a preferred time.
Do you have an office I can visit?
Mortgage Niagara is anchored in downtown St. Catharines. Most meetings take place by phone or video, and in-person meetings are arranged by appointment.
Do you work outside St. Catharines?
Yes. We work with borrowers in all 12 Niagara municipalities: St. Catharines, Niagara Falls, Welland, Grimsby, Fort Erie, Lincoln, Thorold, Niagara-on-the-Lake, Pelham, Port Colborne, West Lincoln and Wainfleet.
Does it cost anything to talk to you?
No. An initial conversation is free. On prime lender files the lender pays the brokerage, so there is no fee to you; alternative and private files usually carry a broker fee, disclosed in writing before you commit.
Will you check my credit when I write?
No. Writing to us does not trigger a credit check. A credit report is only pulled later, with your written consent, when you decide to apply or get pre-approved.