Dorothy Smith
Mortgage Broker
Licence #M08004759
Choosing the right mortgage is important. Choosing the right mortgage professional to guide you can make all the difference.
Whether you’re purchasing a new home, renewing your mortgage, refinancing, or simply exploring your options, there is so much more to consider than finding the lowest interest rate. The right mortgage should reflect your financial circumstances, future plans, and personal goals—not simply what works best for a lender or what looks best on paper.
Having someone you can trust, learn from, and feel comfortable asking questions can make your mortgage experience far less stressful. You deserve clear answers, honest guidance, and the confidence that you understand your options before making one of life’s biggest financial decisions.
My role is to educate, guide, and help you make informed choices. I take the time to explain mortgage rates, lending criteria, and the options available to you, helping you find a solution that makes sense for your needs today and your plans for tomorrow.
Experience, Education & Expertise
With more than 30 years in the mortgage industry, I have helped thousands of clients navigate a wide variety of financial situations, goals, and challenges.
As a Level 2 Mortgage Broker, I hold Ontario’s highest level of mortgage licensing, reflecting additional education and qualification requirements beyond those of Level 1 mortgage agents. Combined with my extensive industry experience, this allows me to bring a broad perspective and deeper knowledge to helping clients explore their mortgage options.
I work with a wide network of lenders to compare mortgage products and solutions tailored to your circumstances. Whether you’re buying your first home, purchasing another property, refinancing, renewing or transferring your mortgage, or financing a second home or investment property, I’m here to help. I also welcome clients who are self-employed, have non-traditional income, or face credit or debt challenges. Every situation is unique, and I take the time to explore the possibilities.
I’m committed to staying current with mortgage products, lending guidelines, and industry changes so you can make informed decisions with greater confidence.
Personal Service. Informed Decisions. Lasting Trust.
I believe great mortgage advice begins with listening. I take the time to understand what matters most to you, answer your questions, and explain your options in clear, straightforward language. My commitment is to ensure you feel informed, supported, and comfortable throughout the process.
Building lasting relationships with my clients is one of the most rewarding parts of my work. Earning your trust and becoming someone you can turn to for mortgage advice is what matters most to me.
Let’s Start a Conversation
Whether you’re ready to make a move or simply have questions, I invite you to contact me for a complimentary consultation. Together, we can explore your options and find a mortgage solution that works for you.
Dorothy Smith
Mortgage Broker, Level 2
Mortgage Advice You Can Trust.
Today's Rates
· Rates are subject to change O.A.C.
View all rates
VRM 5 year
3.69%
3 Year Fixed
4.49%
5 Year Fixed
4.69%
10 Year Fixed
5.44%
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Client Stories
What My Clients Say
“I just want to inform you that your service was excellent, all the work you put into helping us get started was outstanding. I continue to reference you to other Military families. Pam and I can not thank you enough. Again thank you so much…
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Danny & Pam K
“Dorothy is one of the hardest working people I know and is the epitome of integrity and professionalism she definitely goes the extra mile for everyone”
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Linda Bowerman
“We were very happy to find Dorothy. I was very busy with wedding plans and my husband found a cut house that was for sale at the same time. I didn't have the time to do the work Dorothy did for us. She provided us with all the details we…
LP
Lisa Poirier
“Just want to sent a big THANK YOU for everything you have done for us . You are truly amazing and professional girl. I will certainly recommend you for future reference. It can be challenging to work with all this lenders and financial…
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Marcia & Boris
“Dorothy, I would like to offer this personal note of gratitude for Dorothy's assistance and guidance regarding the sale and purchase of my principal residences due to military relocation. Military house-hunting trips (HHT)are…
MS
Mike Simpson
“Hey Dorothy, Hope you are finding time to enjoy your summer. I am getting really excited for my move. Thank you for everything you have done for me regarding the financing of my new home. You were very helpful every step of the way and…
SM
Scott Millar
“I felt as if I never gave you a proper thanks for everything you helped me with. I was more than thrilled working with you during the learning experience and found the whole process was very professional and personable at the same time! I…
SL
Shawn Lamrock
“My mortgage advisor was Dorothy Smith and I would just like to commend her on the excellent job she did in helping me find the right mortgage for me. I was in the process of a government relocation and she had an excellent understanding…
SR
Shawn R
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