Craig Austin helps Kitchener families buy first homes, renew existing mortgages, and refinance - whether you are in Doon, Forest Heights, Stanley Park, or downtown. We compare 50+ lenders, walk through every option in plain English, and charge you nothing. Honest advice from a team that works across the region.
50+
Lenders compared
5.0
Star rating
$0
Broker fee
Level 2
Licensed agent
Kitchener has become one of the most dynamic housing markets in Ontario, fueled by the tech sector and post-pandemic migration from the GTA. Detached homes across Forest Heights, Stanley Park, and Doon run $750K-$950K for standard family homes. Downtown condos near King Street start in the low $400Ks. New builds in Doon South and Huron Park push $900K-$1.1M. The city remains relatively affordable compared to the GTA while offering real employment depth.
A mortgage broker is a licensed professional who shops multiple lenders on your behalf. Instead of going to one bank and accepting their offer, a broker compares rates and terms from 50+ lenders in a single application. The lender pays the broker, so there is no cost to you.
In Kitchener, where property values and mortgage amounts are significant, even a small rate difference translates to thousands of dollars in savings over a 5-year term. A broker also negotiates terms like prepayment privileges, portability, and penalty structures that matter when your life changes.
Craig Austin is a Level 2 Mortgage Agent operating under Tango Ontario (FSRA #13691), serving Kitchener and all of Waterloo Region. With access to every major lender in Canada and a specialty in physician and healthcare financing, Craig handles everything from first-time purchases to complex refinances and investment properties.
What we help with
Every situation is different. Here is what we see most often.
First-time or experienced buyer, we walk you through the stress test, down payment options, CMHC insurance, and closing costs. Then we find the rate and lender that fits your situation.
Your bank sends a renewal letter and hopes you sign it without shopping around. You can switch lenders at renewal with zero penalty. We compare the full market so you know exactly what you are leaving on the table.
Pulling equity for renovations, consolidating debt, or restructuring your mortgage to save money. We calculate the penalty, compare the options, and make sure the numbers actually work before you commit.
Doctors, residents, and dentists qualify for specific programs that accept offer letters instead of T4s, ignore student debt, and often allow higher loan amounts. We know every lender in Canada that offers these programs.
Business owners, freelancers, and commission earners face tighter scrutiny from traditional lenders. We know which lenders accept business financials, stated income, or alternative documentation to get you approved.
Rental properties have different qualification rules, down payment requirements, and rate options. We know which lenders are investor-friendly and how to structure applications to maximize your buying power.
Why homeowners work with us
170+ five-star Google reviews across the GTA, Halton, and Hamilton. Real clients, real outcomes, real numbers.
Canadian lenders compared in a single application
Five-star Google reviews from real clients
Broker fee — compensation comes from the lender, not you
Licensed Mortgage Agent operating under Tango Ontario (FSRA #13691)
Physician mortgage specialty for doctors, residents, and healthcare pros
Host of The Mortgage Secrets Podcast on Spotify
What clients say
“We had a fantastic experience working with Craig and his team. Incredibly helpful, supportive, and made sure we understood every step. Everything felt smooth and stress-free.”
— Tamara S., Google Review
“Craig gave me honest expert advice about switching my mortgage on renewal for a better rate. His knowledge was impressive and I felt he had my best interests in mind. Highly recommend.”
— Anthony S., Google Review
“Craig made the notoriously challenging process of understanding and securing a mortgage a breeze with his expert knowledge and his ability to explain difficult concepts throughout the home buying process.”
— Ryan K., Google Review
The process
Three steps. No paperwork surprises.
Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Kitchener. We ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.
We compare rates, terms, and qualification criteria across the entire Canadian mortgage market. We handle all the applications, paperwork, and lender communication. You get a clear recommendation with the numbers behind it.
We walk you through every document before you sign. No surprises at the lawyer. Craig stays available by phone, email, or podcast question throughout the process and beyond.
Common questions
If your question is not here, book a call - we answer everything.
Book a free call with Craig. No commitment, no sales pitch - just honest answers about your Kitchener mortgage.
Book a Call with CraigOr email Craig at craig@wearemortgages.ca