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Local Mortgage Agent Serving Hamilton, Niagara & the Golden Horseshoe

Buying, renewing, or refinancing a home is one of the biggest financial decisions you’ll ever make — and it deserves
local expertise, clear advice, and real options.

I’m Danny Benjamin, a licensed Mortgage Agent Level 2 with TLC Mortgage Group. I help families,
professionals, and investors across Hamilton, Niagara, Burlington, Oakville, Cambridge, and the Greater Golden Horseshoe
secure the right mortgage — not just the lowest rate, but the right structure for their long-term goals.

Book a Free Mortgage Review

What Does a Mortgage Agent Do?

A mortgage agent works on your behalf — not for a single bank.

Unlike going directly to a bank, a mortgage agent compares mortgage options from
multiple lenders, including major banks, credit unions, and alternative lenders, to find the best fit for
your specific financial situation.

Many people use the term “mortgage broker,” but in Ontario, the licensed professional helping you is called a
Mortgage Agent. The role is the same — independent advice, more choice, and personalized strategy.

  • Access to dozens of lenders
  • Advice tailored to your income, goals, and property
  • Local market insight for Hamilton & Niagara
  • Support before, during, and after funding

Mortgage Services

First-Time Home Buyers

I guide first-time buyers through pre-approval, budgeting, stress-test qualification, and lender options — so there
are no surprises when it’s time to buy.

Mortgage Renewals

Most homeowners automatically renew without reviewing their options. As a mortgage agent, I help you evaluate your
renewal and negotiate a mortgage that supports your future plans.

Refinancing & Debt Consolidation

Refinancing can reduce monthly payments, consolidate high-interest debt, or unlock home equity for renovations or
investments.

Self-Employed & Complex Mortgages

If you’re self-employed or have variable income, I work with lenders who understand real-world financial structures
and flexible qualification.

Areas I Serve

I focus on local markets where mortgage strategy, timing, and lender choice matter most:

While I can assist clients across Ontario, my focus is on delivering strong local advice in the communities I serve.

Mortgage Questions Homebuyers Ask Most

Is a mortgage agent better than going directly to a bank?

A mortgage agent compares multiple lenders and mortgage structures, while a bank can only offer its own products.
This often leads to better long-term outcomes.

When should I speak with a mortgage agent?

Ideally, 3–6 months before buying or renewing. Early planning creates more options and stronger negotiation power.

Do mortgage agents charge a fee?

In most standard residential mortgages, no. Mortgage agents are typically compensated by the lender, not the client.

Talk to a Local Mortgage Agent

Whether you’re buying your first home, renewing an existing mortgage, or planning a refinance, the right advice can
save you time, money, and stress.

Schedule Your Free Mortgage Consultation

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Lenders

Testimonials:

"Thanks so much for your help!  You were amazing." - GP – Oakville, ON

"I truly want to thank you for the few hours of talk on the phone, for the messages and all the time u have spent on your end for us. After all these years you jumped right in and tried to help us as best as u could and for that i am grateful. I appreciate it more than you know." - NS – Cambridge, ON

"Danny was quick to respond with brilliant solutions for my upcoming mortgage renewal. He took much of the stress out of figuring my financial needs. I am so grateful" - KP – Grimsby, ON

Brokerage Achievements and Accreditations:

Danny Benjamin - Outstanding Brokerage AchievementDanny Benjamin - Wizard AwardCMBA - Danny Benjamin

Community Involvement:

Hike For Carpenter Hospice - Danny Benjamin

Current Rates

Current variable mortgage rate is

3.90%

Current prime rate is

4.45%

    • Terms
    • Bank Rates
    • Payment Per $100k
    • Our Rates
    • Payment Per $100k
    • Savings
    • 6 Months
    • 7.89%
    • $756.21
    • 5.99%
    • $639.21
    • $116.99
    • 1 Year
    • 6.15%
    • $648.75
    • 4.99%
    • $581.04
    • $67.71
    • 2 Years
    • 5.44%
    • $606.90
    • 4.44%
    • $550.14
    • $56.76
    • 3 Years
    • 4.62%
    • $560.16
    • 3.94%
    • $522.77
    • $37.39
    • 4 Years
    • 6.01%
    • $640.40
    • 4.19%
    • $536.37
    • $104.03
    • 5 Years
    • 4.56%
    • $556.81
    • 4.19%
    • $536.37
    • $20.44
    • 7 Years
    • 6.41%
    • $664.38
    • 5.10%
    • $587.31
    • $77.07
    • 10 Years
    • 6.81%
    • $688.72
    • 5.34%
    • $601.11
    • $87.61
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. E.& O.E.

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