Terms of Service

1. Acceptance of terms

By accessing this website, you agree to be bound by these terms. Dominion Lending Centres Homestead Financial holds Ontario Mortgage Broker Licence #11711. This site is intended for individuals 18 years or older residing in Canada; access by minors under 18 or from locations outside Canada is strictly prohibited.

2. Informational purposes & not a binding offer

The resources and calculators provided are informational only and do not constitute legal or financial advice. Submitting an inquiry, using our calculators, or filling out a contact form does not constitute a binding offer to lend. Mortgage approvals depend on lender underwriting, and interest rates are only guaranteed through a formal pre-approval accepted by a lender.

3. Online applications & credit consent

You warrant that the information you provide is accurate and complete. You authorize us to obtain information from credit reporting agencies and consent to the disclosure of your application data to lenders, insurers, and service providers.

4. Brokerage fees and compensation

Our services are typically free when working with "A" lenders, as we are compensated by the lender. For "B" or private lenders, fees may apply and will be fully disclosed and discussed with you upfront, and may be eligible to be rolled into the mortgage.

5. Privacy

Please review our Privacy Policy to understand how we collect and safeguard your data.

6. Intellectual property & acceptable use

All content is owned or licensed by us. You may access and print materials for personal, non-commercial use only. Automated data-collection practices such as "screen scraping" or "database scraping" are strictly prohibited.

7. Third-party links

We do not endorse or take responsibility for external websites linked from this site.

8. Disclaimer of warranties

All content is provided "as is" and "as available" without warranties of accuracy, completeness, or timeliness.

9. Limitation of liability

We are not liable for damages arising from your use of this site, decisions based on its information, or technical failures.

10. Indemnification

You agree to indemnify us from liabilities arising from your violation of these terms or misuse of the site.

11. Modifications to the terms

We may modify these terms at any time, with changes effective upon posting.

12. Governing law

These terms are governed by the laws of Ontario and the federal laws of Canada. Disputes must be brought in the courts of Ontario. If any provision is found unenforceable, the remaining provisions remain in effect. This document, together with our Privacy Policy, constitutes the entire agreement.