Trusted Mortgage Support In Barrie & Simcoe County, Ontario
Get unbiased advice and more lender options with Todd Smith, Mortgage Agent Level 1, Dominion Lending Centres. Fast, easy, and secure solutions for your next step.
Mortgage Advice, Simplified
Barrie’s Mortgage Solutions Backed by Local Expertise
When it comes to financing property in Barrie or Simcoe County, you need more than just a good rate. You need a trusted advisor who knows the community, understands the challenges of self-employment, and will walk you through each step. Todd Smith Mortgages - Dominion Lending Centres, Mortgage Agent Level 1, combines local knowledge and national reach, offering honest, unbiased advice and a wide range of products. With the support of Dominion Lending Centres, you gain access to 67 direct lenders and over 230 institutions across Canada. Whether you are a first-time homebuyer, a business owner, or planning for retirement, you can count on guidance that puts your interests first.
About Todd
A Local Mortgage Agent with a Teacher’s Approach
After a 30-year career teaching Accounting, Law, and Leadership at Innisdale SS and Bear Creek SS, Todd Smith shifted into mortgage services to continue helping families and individuals thrive. His background in co-operative education means he understands Barrie’s workforce and the unique financial needs of local trades, professionals, and self-employed clients. As the founder of Drive North Basketball Academy and a coach on international rugby tours, Todd is known for his organization, patience, and commitment to mentorship. With Dominion Lending Centres, he combines the power of choice with personal attention, making even the most complex mortgage situations feel manageable and stress-free.
Why Work With Us
What Makes Us Different
Experience mortgage support that combines national strength with local care.
More Lender Options
Choose from 67 direct lenders and over 230 institutions. You are not limited to one bank’s rates and products.
Mentorship Approach
Benefit from Todd’s 30 years in education. You get clear explanations and patient, step-by-step support.
No-Cost Consultation
Standard mortgage guidance is free. Only the most challenging credit cases may incur a service fee.
Local Market Knowledge
Deep connections in Simcoe County and experience with Barrie’s unique property market.
Unbiased Advice
We work for you, not the lenders. Every recommendation is based on your best interest.
Flexible Hours
Available from 7:30 AM to 10:30 PM, six days a week for your convenience.
Our Services
Comprehensive Mortgage Solutions
Find the right mortgage service for every stage of life and every financial situation.
First-Time Homebuyer Mortgages
Guidance through your first purchase, from pre-approval to closing, with access to exclusive rates.
Mortgage Refinancing and Debt Consolidation
Reduce monthly payments or access home equity for renovations, investments, or debt reduction.
Mortgage Renewals
Avoid the loyalty penalty. Get a better rate and terms at renewal without the stress.
Self-Employed Mortgage Solutions
Special programs for business owners and entrepreneurs, even with non-traditional income.
Reverse Mortgages (CHIP)
For Canadians 55+, access the equity in your home for retirement income without monthly payments.
Spousal Buyouts and Separation Solutions
Secure financing for property division and new beginnings through life changes.
Equipment and Commercial Leasing
Business and vehicle leasing solutions with access to 30+ specialty funders across Canada and the US.
Testimonials
What Clients Say About Todd Smith Mortgages - Dominion Lending Centres
Todd made the entire mortgage process so smooth and stress-free. He was knowledgeable, responsive, and helped me get a great rate. Highly recommend for anyone needing a reliable mortgage expert! Clients frequently mention Todd’s clarity, patience, and willingness to go the extra mile. Whether you are a first-time buyer or a seasoned investor, you will always get support that puts your interests first.
FAQS
Frequently Asked Questions
Benefits of Using a Mortgage Professional?
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products!
How Much Does it Cost?
From the first consultation to the signing of your mortgage, their services are free.
A fee is charged only for the most challenging credit solutions, and it’s especially under those circumstances that a mortgage professional can do for you what your bank cannot.
Do I need Mortgage Protection Insurance?
Yes. Mortgage Protection Insurance protects your investment while helping secure your family’s financial well being in the event of death of you and/or your spouse. Should something tragic result in the passing of you or your spouse, the mortgage on your home would be paid off, allowing surviving family members to use other existing insurance to carry on with life, maintain their lifestyle and recover from your loss.
What are the benefits of using my home's equity?
Many people find that one of the easiest and most affordable ways to access money is through the equity that they have accumulated in their home. This is a very popular option, especially when you have an excellent first mortgage in place.
How should I prepare for mortgage renewal?
Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires and this does not give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.
Before you ever hear from your lender about renewing your mortgage term, have a licensed mortgage professional shop around for you, you will be amazed at what they can accomplish on your behalf!
