Mortgages Made Easy!

Your guide to building wealth through investment in real estate. Whether you're buying your first home, a second property, or investment property, let us ensure you get the BEST mortgage for you!

Mortgages Made

We make mortgages easy by providing stress-free solutions so you can sleep at night!

1800+

Families helped

10+

Years of Experience

100%

Success Rate

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Smarter Homeownership with Expert Guidance

Discover tailored mortgage strategies that align with your goals—making your path to homeownership clearer and more achievable.

Smarter Homeownership with Expert Guidance
Your Mortgage Potential with Trusted Advice

Unleash

Your Mortgage Potential with Trusted Advice

Get the clarity and confidence you need to make informed decisions at every stage of your home financing journey.

Testimonials

Feedback and Reviews

Read what our past clients have to say about our services.

Iryna Rybchak

As initial homebuyers, I never anticipated the stress that comes with acquiring your first house. Nevertheless, Justin guided us through the process, providing support and advice even during challenging moments. His excellent work and personal qualities make him highly recommended!

Kate Carnegie

(St. Catherines)

Justin Chausse gets results PERIOD! As a single mom of two I needed a mortgage ASAP and Justin went above and beyond to guide me through each step. It was not an easy process, but Justin made me feel comfortable and confident at a time when I needed it the most. Justin is smart, dedicated, kind and easy to work with. I highly recommend working with Justin Chausse and encourage you to ask him the hard questions. He will find the answers and knows how to communicate them effectively.

Adam Walker

As a first-time investor in the real estate market, I was quite apprehensive about the entire mortgage process. Thankfully, I had the great fortune of working with Justin Chausse, a highly knowledgeable and dedicated mortgage broker who provided me with exceptional guidance and support throughout.

Comprehensive Mortgage Resources

Learn from mortgage professionals and gain the insights you need to navigate home financing with confidence.

Comprehensive Mortgage Resources

Empower

Meet Our Team

Get to know the dedicated experts guiding you through every step of your mortgage journey.

Justin Chausse | Mortgage Service

Justin Chausse

Mortgage Expert

Marsha Chausse | Mortgage Pre-approval

Marsha Chausse

Mortgage Expert

Your Trusted Mortgage Experts in Niagara Region

Choosing the appropriate mortgage could be difficult, but Chausse Mortgage Group makes it easier with personalized solutions and professional guidance. Our staff concentrates on your financial needs to identify the finest loan possibilities from several banks and lenders. We offer Mortgage Services in St. Catharines that cater to first-time buyers, property investors, and homeowners looking to refinance. Every solution is built around your goals, ensuring clarity and confidence from start to finish.

For those across the country, our Mortgage Services in Canada deliver the same commitment to transparency and personalized service. Whether you're moving provinces or settling locally, we're with you every step. Our licensed professionals are also proud to offer dependable Mortgage Services in Canada that include renewals, refinancing, and equity takeouts helping you unlock smarter financial opportunities. In Stoney Creek, our Mortgage Service in Stoney Creek connects clients with competitive rates and tailored mortgage planning. We bring local insight and national expertise together.

Thinking ahead? Get Mortgage Pre-Approval In Canada to know exactly what you can afford before house hunting begins. Quick, easy, and always reliable.

Chausse Mortgage Group – Professional, personal, and trusted mortgage solutions tailored just for you. Experience guidance that feels like a partnership.

FAQs

Find answers to commonly asked questions about mortgages.

What is a pre-qualification?

A pre-qualification is when you provide generalized information to a lender or online calculator, without the information being confirmed, and receive an estimated max purchase price.

What is a pre-approval?

A pre-approval is when a qualified mortgage professional reviews the information provided, such as your mortgage application, income & down payment documents, along with verifying your credit bureau to provide you with a more accurate max purchase price.

What is an approval?

After you have an accepted offer to purchase your dream home, your Mortgage Broker will submit your information to a lender. Once the lender reviews & confirms all the information provided, they will provide you with a full approval.

How much do I need for a down payment?

If you're buying an owner-occupied property, you may be eligible to put as little as 5% down. Keep in mind that just because the minimum down payment is 5%, you still need to qualify for the total mortgage amount (based on your income & debts).

Many people don't realize that the rules change for a purchase price above $500,000. In this case, you will require 5% on the 1st $500K and 10% on the remainder (up to $1M). If you're purchasing a home for over $1M you will require a minimum of 20% down.

If you're purchasing a rental property, you will require a minimum of 20% down.

What if I don't qualify for the home I want?

This is where your mortgage professional can help provide you options, such as adding a co-signer, increasing your down payment and/or paying off debts. A Mortgage Broker/Agent has access to multiple lenders, so even if don't fit certain lender guidelines, they can shop around to see if another lender may approve your application.

General Mortgage Process

What does Chausse Mortgage Group do?

We help homebuyers, investors, and homeowners across Ontario find the best mortgage solutions — from first purchases and refinances to debt consolidation and investment property financing. We’re your stress-free guide from application to closing.

Can I still get a mortgage if I have bad credit?

Yes. We work with a network of alternative and private lenders who understand that life happens. Whether you’ve had missed payments, self-employment income, or a past bankruptcy, we’ll explore solutions tailored to your situation.

What’s the mortgage process like?

We start with a conversation to understand your goals. Then we collect your documents, shop multiple lenders, and present your best options in a clear, easy-to-understand format — often with a personalized video. You get updates every step of the way.

Why use a mortgage broker instead of going to the bank directly?

Banks offer one set of products. Brokers access dozens of lenders, meaning more options, better rates, and customized solutions. Plus, our advice is based on what’s best for you — not a specific lender’s bottom line.

Do I have to pay to work with Chausse Mortgage Group?

In most cases, our service is free — we’re paid by the lender, not you. If there’s ever a cost, you’ll know upfront. No surprises, no pressure.

How long does mortgage approval take?

We aim for 24-hour turnarounds on pre-approvals once all documents are received. Full mortgage approvals can take 3–10 business days depending on the lender and file complexity.

What documents do I need for a mortgage in Ontario?

Typically: government-issued ID, recent pay stubs, a job letter, last 2 years of tax documents (especially for self-employed), bank statements, and your down payment source.

How can first-time home buyers secure the best mortgage rates in Ontario?

If you're a first-time home buyer in Ontario, the best way to secure top mortgage rates is by working with the best mortgage broker in Ontario—like Chausse Mortgage Group. We compare multiple lenders to find you competitive rates, walk you through pre-approval, and tailor everything to your financial goals, making your first home purchase smooth and stress-free.

Why should I use a mortgage broker instead of going directly to the bank for my home loan?

A mortgage broker like Chausse Mortgage Group offers trusted mortgage services in Canada by accessing dozens of lenders—not just one bank. That means more options, better rates, and unbiased advice that puts your interests first. You get personalized service and expert guidance every step of the way.

Where can I apply for online mortgage pre-approval in Ontario?

Looking for an online mortgage application in Ontario? Chausse Mortgage Group makes it fast and easy. Our online pre-approval tool helps you understand what you can afford—giving you confidence before you start house hunting.

How do I qualify for mortgage renewal with better rates in Ontario?

To qualify for a mortgage renewal with better rates, connect with the best mortgage renewal broker in Ontario—like Chausse Mortgage Group. We review your current terms, compare lender offers, and help you renegotiate for better rates and terms to save you money.

How do I select the right mortgage broker for my home buying needs?

To find the top mortgage broker in Ontario, look for experience, transparency, and local knowledge. At Chausse Mortgage Group, we bring over 10 years of proven success and a 100% approval rate—making us a trusted partner for your mortgage journey.

How do I choose a mortgage broker in Ontario for the best service?

Choosing the right mortgage broker in Ontario means choosing someone who listens, understands your goals, and finds the best fit for your needs. At Chausse Mortgage Group, we offer personalized service with expert insight—ensuring you make the smartest decisions for your future.

How can I buy a home in Ontario with the right mortgage?

Buying a home in Ontario starts with finding the best mortgage broker in Ontario. Chausse Mortgage Group walks you through each step—pre-approval, rate shopping, and closing—ensuring you get the right loan for your budget and long-term goals.

Why should I choose a local mortgage broker over national lenders in Ontario?

Working with a top-rated local mortgage advisor like Chausse Mortgage Group means you're not just another number. We know the Ontario market inside out and provide one-on-one support that national lenders simply can’t match.

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