Looking for a mortgage broker in St. Catharines?
Craig Austin and his team are licensed Ontario mortgage agents working across Niagara. First home in the north end, a renewal in Port Dalhousie, a rental near Brock, or a refinance to consolidate debt: we compare 50+ Canadian lenders and place the file where it will actually get approved.
50+
Lenders compared
5.0
Star rating
$0
Broker fee
Level 2
Licensed agent
The St. Catharines housing market
The benchmark price in St. Catharines was about $523K in June 2026, down from roughly $556K a year earlier, which makes it one of the more attainable entry points within reach of Hamilton and Burlington. Sales were up year over year even as prices eased, and homes across Niagara were taking about 45 days to sell. St. Catharines is the largest city in the region and its economic centre, anchored by Brock University and the Niagara Health St. Catharines Site. That combination produces steady demand at both ends of the market: student and staff rentals near the university, and family housing through the older neighbourhoods around Port Dalhousie and the north end. Housing stock is older on average than the newer Halton suburbs, so appraisals and lender conditions come up more often here than they do on a 2015 build.
We also serve nearby
Why use a mortgage broker in St. Catharines?
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 St. Catharines, 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 St. Catharines and all of Niagara 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
Mortgage help in St. Catharines
Every situation is different. Here is what we see most often.
Buying a Home
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.
Mortgage Renewal
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.
Refinancing
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.
Physician Mortgages
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.
Self-Employed
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.
Investment Properties
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
Why St. Catharines homeowners choose Craig Austin Mortgage Group
191+ 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
How it works
Three steps. No paperwork surprises.
Book a free call
Tell us about your situation - buying, renewing, refinancing, or just exploring your options in St. Catharines. We ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.
We shop 50+ lenders
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.
You close with confidence
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
Mortgage questions in St. Catharines
If your question is not here, book a call - we answer everything.
Ready to talk?
Book a free call with Craig. No commitment, no sales pitch - just honest answers about your St. Catharines mortgage.
Book a Call with CraigOr email Craig at craig@wearemortgages.ca