Why St. Catharines?

Niagara Wine Region

Brock University

Garden City Trails & Parks

QEW Access to GTA

Our Services in St. Catharines

First Time Buyers

Buying your first home in St. Catharines? We guide you through every step.

Mortgage Renewals

Renewing your mortgage? Don't accept the first offer - let us shop for you.

Refinancing

Access your home equity for renovations, debt consolidation, or investments.

Pre-Approvals

Know exactly what you can afford before you start house hunting.

Self-Employed

Specialized mortgage programs for entrepreneurs and business owners.

Bad Credit Solutions

Past credit issues? We have options that can help you buy a home.

Common Questions About Mortgages in St. Catharines

What is the average home price in St. Catharines?

The average home price in St. Catharines is around $610,000. This can vary significantly based on location, property type, and market conditions.

How much down payment do I need for a home in St. Catharines?

The minimum down payment is 5% for homes under $500,000, 10% on the portion between $500K-$1M, and 20% above $1M. First-time buyers may qualify for additional programs.

Can I get pre-approved before finding a home in St. Catharines?

Absolutely! In fact, we recommend it. A pre-approval gives you a clear budget, shows sellers you're serious, and locks in a rate for up to 120 days.

What makes Kenlock Mortgage different from banks in St. Catharines?

We work with 30+ lenders to find the best rates and terms for your situation. Unlike banks who sell their own products, we work for YOU to find the perfect fit.

Ready to Explore Your Options in St. Catharines?

Contact our local experts today for personalized advice and competitive rates.

Mortgage Services in St. Catharines