Your Journey Home
Starts Here.

Turning your monthly expense into a smart investment strategy. Powered by Dominion Lending Centres and backed by Canada’s largest network of 230+ lenders, mortgages are structured to secure competitive rates and transform home financing into a strategic wealth-building asset.

Dominion Lending Centres Mortgages On Point Brokerage Licence #13119
Licensed Mortgage Professional

Providing expert, unbiased mortgage advice with access to hundreds of products tailored to your unique financial needs.

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Carole Ann Bryant - Mortgage Broker

Unbiased Expertise.
Tailored for You.

With over 18 years of experience in the mortgage industry, I’ve built my reputation on a foundation of exceptional customer service. I pride myself on being a Mortgage Broker who is easy to reach and quick to respond, ensuring my clients feel supported throughout the entire mortgage process.

Whether you are a first-time homebuyer, a seasoned investor, or looking to unlock home equity, my priority is matching you with a strategic mortgage product that aligns with your lifestyle and long-term goals.

When I step away from the mortgage world, you might find me in the garden, watercolor painting, tackling the French language, or—my personal favorite—video call “visits” with my grown daughters and grandkids, who are scattered among other provinces and countries.

Mortgage Broker Licence #M08001276
Dominion Lending Centres Mortgages On Point | Brokerage Licence #13119

Mortgage Pathways
Designed for You.

From initial purchase options to custom equity solutions, discover how the right mortgage structure elevates your long-term success.

Happy family in new home
Purchase

Home Purchase

Your home is more than an address. It's an investment in your future. We provide the expertise to ensure you secure the best possible financing terms for your new beginning.

Modern office meeting
Renewal

Mortgage Renewal

Don't just sign your renewal notice. Let's review your financial goals and find a product that aligns with where you are today, not where you were five years ago.

Beautiful home exterior
Refinance

Equity & Refinance

Unlock the power of your home's equity. From debt consolidation to investment opportunities, we help you leverage your largest asset effectively.

Strategic Planning Tools

Accurate, real-time insights to help you make informed mortgage decisions.

Estimated Buying Power
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Total Loan Amount (inc. CMHC)
$0
Total Monthly Payment
$0

*Limits evaluated via the Canadian Stress Test.

Original Mortgage
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 Original Payment: $0/mo
New Mortgage
New Balance: $196,131.20
New Payment: $0/mo

You could save $0 in interest

Your payment will decrease $0 per month
*Net Refinance Math: Total interest savings minus $0 in upfront fees equals $0 net value.

Your additional payments shorten your mortgage by 0 Years.

Current payment: $0
Total scheduled pmts: $0
Accelerated savings: $0
Total accelerated pmts: $0

Assumes consistent additional payments over the remaining life of the mortgage.

"My experience working with CaroleAnn Bryant was outstanding. At all times CaroleAnn was helpful, professional and friendly. I would highly recommend her services. She was able to get me an excellent rate for my mortgage and troubleshoot any problems that arose with ease and patience. Thank you for all your hard work, CaroleAnn!"
Heather Janering
"As a first time home buyers, My wife and I didn’t know what to expect. Carole-Ann made the process seamless and easy for us! Always there to help with questions, and ease the stress. Carole-Ann helped us secure our first mortgage and I couldn’t be happier! Highly Recommend!"
Tristan Flatt
"Carole Ann is absolutely amazing! She truly went above and beyond, took time to go through all of my questions, ensured I was comfortable and I truly felt taken care of. I highly recommend Carole to everyone. Even after I was in the home she was available and always happy to help. Anyone looking for a mortgage call Carole!!! She was a great support and always able to help during all the stress and worry I had I knew she had my best interest!"
Melissa Jones-Brock
"CaroleAnn is a fantastic broker! Her personality and knowledge of the market helps tremendously when making the best choice for your mortgage. I have called her many times over the years with questions and have always felt welcome and confident in her service and support as I choose the best option for my mortgage."
Chico Echeverria
"We have used CaroleAnn as our mortgage broker to purchase both of our homes. She goes above and beyond to ensure that her clients are fully satisfied. CaroleAnn found us great rates and did so very quickly and efficiently. She displayed amazing patience with us, as first time home buyers, explaining every detail of our mortgage and leaving us feeling confident in our purchase. I highly recommend CaroleAnn if you are looking for an honest and efficient mortgage broker!"
Michelle Flay
"CaroleAnn has negotiated several mortgages for us ( we have moved 3 times in the last 10 years). She is a hard worker and one in whom we have placed our trust and never been disappointed. Her rates are always competitive and her knowledge base and honesty mean we can rest easy at night with no concerns about unexpected problems arising tomorrow. We have recommended Carole Ann to our own family and have no qualms about recommending her to you"
Alan and Jill Gallant
"When have just purchased our first home and Carole Ann was really helpful in finding us a mortgage lender and a mortgage rate that was affordable given the recent rise in interests rates. Carole Ann was helped us walk through the process of the mortgage application and also clear in explaining the terms of the mortgage itself. Thank you Carole Ann for all your help!"
Erisa Katono
"CaroleAnn is an expert in her field. She worked incredibly hard to find us the best rate in a timely manner. She was available to answer all our questions and worked with us in such a personal way. I would recommend her to anyone looking for professional, personal and quality service when it comes to a mortgage broker."
Ben Mills

Common Questions

Answers to some of the most frequently asked questions about mortgages in Canada.

What is the difference between a mortgage broker and a bank?
A bank only offers mortgage products from their own institution. As a licensed mortgage professional, I have access to dozens of different lenders, including major banks, credit unions, and private lenders, allowing me to find the best product and rate for your specific situation.
How much does it cost to use a mortgage broker?
In most cases (standard residential mortgages), there is no cost to you! The lender pays the broker a finder's fee for bringing them the business. For alternative, private and commercial mortgages, a broker fee may be charged; all costs will be clearly outlined in advance.
What is the difference between a rate hold and a pre-approval?
A rate hold simply locks in a specific interest rate for a set period (usually 90 to 120 days).
The Process: It requires minimal documentation and can often be done in a few minutes.
The Catch: The lender has not looked at your financial situation. It does not guarantee that you qualify for a mortgage, nor does it guarantee how much money you can borrow.

A pre-approval is a formal, preliminary commitment from a lender stating exactly how much they are willing to lend you.
The Process: The mortgage professional and/or the lender review your credit score, income, employment, and down payment documents.
The Benefit: It includes a rate hold and determines your maximum purchase budget.
Fixed vs. Variable: Which is better?
A fixed rate remains the same for your entire term, providing stability. A variable rate fluctuates with the prime rate, which can save you money if rates drop, but carries more risk if rates rise. The right choice depends on your risk tolerance and financial goals.

Ready to get more from your mortgage?

Find the right financing at the right rate.

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Get in Touch

Have a question or ready to start? Send a message and I'll get back to you shortly to discuss your mortgage strategy.

289-251-2948
[email protected]
Dominion Lending Centres Mortgages On Point | Brokerage Licence #13119
Mortgage Broker Licence #M08001276