Your Mortgage Agent for Life!

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Your Award Winning Brokerage

Google Rating
Based on 239 reviews
Facebook Rating
Based on 70 reviews

Offering you:

  • buying and selling
  • 1st time home buying guidance
  • refinancing and debt solutions
  • rental property investing strategies
  • new credit strategies
  • separation financial plans
  • downsizing and retirement guidance
  • pre-approvals
  • home equity lines of credit
  • new to Canada consultations
  • and more!

Bypass confusion, high rates and hidden costs.

Partnering with, we give you a clear, personal experience to reduce stress, save you time and offer financial confidence. Enjoy the benefits of 25 years of professional mortgage representation.

Making mortgages make sense!

Meet With An Agent

Did You Know?

We are with you every step of the way. A new way to mortgage. Expect more from your mortgage agent, including:

Speed & Convenience

Agents work around a client’s schedule to help make the transaction as easy and convenient as possible.

Preserve Credit Rating

When you shop for a mortgage, there is an accumulation of lender inquiries on your Credit Bureau Report. This can often affect credit rating and ultimately your Rate and Term of Mortgage.


Whether you are shopping for a mortgage for a new home or refinancing your existing mortgage, an agent can help you obtain a pre-approval. Often the pre-approval can hold up to a 120-day interest rate guarantee.

Competitive Rates

Agents deal with multiple competing lenders and can often access exclusive rates. They also have the power to negotiate rate discounts from lenders, which are passed on to their clients.

Knowledgeable Advice

Agents offer consultative service, advice and solutions that are customized to each client’s needs. Unlike other models, mortgage agents work with you and for you.

Walking you through your mortgage step-by-step is really just the beginning of what can grow to be a lifelong relationship. We have the most access to a wide range of mortgage rates, options and the market knowledge to secure competitive rates and terms that benefit you.

Our goal is to meet the needs of our clients and see them through their mortgage transaction, from start to finish. When your mortgage closes, we continue to work for you, sending you updates and reminders, giving you peace of mind that we are only a phone call away.

Meet With An Agent

They saved us money, it was easy, and their customer service is fantastic!

Brad MacDonald

They make the mortgage process painless!

Erik Schito

There were no questions unanswered or stress.

Mike Pleau

Because a difference needs to be made

In just 15 years, went from an independently run home-office service to a one-of-a-kind storefront. With growth comes opportunity, and we’re an office that’s more than just mortgages. Founded in an effort to bring together our clients and community, JCMakes A DIFFERENCE is our very own philanthropic movement.

Learn More

One of A Kind Mortgage Office:

299 Manitou Dr. Unit A2, Kitchener, ON N2C 1L5

Tammy Krys
Tammy K.
00:40 27 Jan 21
We had been referred to JC Mortgagaes by a local rea estate agent, we worked thru everything with Michelle Nichol. We had several items to work thru with Michelle regarding current house mortgage and investment properties, and she left us at complete ease, we had nothing to worry about, she was very knowledgable in every area and putting our complete trust in Michelle and Jc Mortgages, we were not disappointed at all, way less stressful then working thru the bank, and has left us in a much better financial position. We look forward to doing more business with you. If youve never worked on your mortagage with a mortgage broker, well now is the time to switch to Jc Mortgages. Such friendly staff, amazing facilities, very inviting and welcoming !!
Tamara C
Tamara C
03:46 26 Jan 21
Great team to work with. Highly efficient and responsive. Excellent overall experience dealing with them and would definitely recommend!
Gail Swan
Gail S.
16:36 25 Jan 21
I want to say again how much we enjoyed having Janna and J.C. Mortgages help us with all our mortgages over the years. Some of our requests were complicated but Janna and the team were able to find the best solutions for us. We have been a client for 15 years plus. We are now mortgage free but like Janna says "Mortgage Agent For Life". Still involved with them with the give aways and donating and of course when we can get back to them - Movies Nights!