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
Calculators
Our Interactive Mortgage Calculators will allow you to explore your Mortgage options to make the right home financing decision.
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Apply NowRuth Carvalho, Mortgage Agent Level 1
With over 20 years of experience in the financial services industry, I bring a strategic, client-first approach to my role as a Mortgage Agent with Dominion Lending Centres. My background in banking, wealth management, lending, and compliance allows me to deliver mortgage solutions that are not only competitive but thoughtfully aligned with each client’s broader financial goals.
Having spent over 20 years managing high-value portfolios of up to $200 million in assets, I developed deep expertise in financial planning, credit structuring, and relationship management. This experience enables me to look beyond the transaction and provide guidance that supports long-term financial stability, growth, and wealth-building.
Today, I specialize in mortgage financing, working closely with a wide network of lenders to secure tailored solutions for homebuyers, investors, and homeowners. Whether you’re purchasing, refinancing, renewing, or consolidating debt, I am committed to delivering clear advice, strategic options, and a seamless, stress-free experience from start to finish.
My approach is rooted in trust, transparency, and advocacy. I take pride in ensuring my clients feel informed, empowered, and confident in every decision they make.
I am also the Founder of HerWealthLab, an instagram account dedicated to advancing financial literacy for women and girls, reflecting my passion for education, empowerment, and long-term financial independence.
My professional credentials include the QAFP™ designation from FP Canada, Personal Financial Planner designation, and Branch Compliance Officer certification from CSI Global Education, along with my Mortgage Agent Level 1 licence in Ontario.
Ruth Carvalho
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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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We're here to help you with home purchases, mortgage renewals, refinancing and more.