A better mortgage than your bank will offer.
Buying, renewing or refinancing in Waterloo Region or Guelph? We compare 20+ lenders to get you a better rate and a better experience, and we handle the legwork. And if a bank has said no, we find another way.
- 20+ lenders compared
- Family-run since 2015
- Licensed brokerage #12659
- Free for most mortgages
Real people who pick up the phone, with the lender access of a big firm.
Where should you start?
Tell us what's going on and we'll point you to the right solutions and the paperwork to gather. Nothing is saved until you ask us to call.
Pick as many as apply.
Mortgage solutions for every situation
Nine ways we help, from a straightforward purchase to the files banks won't touch.
Buying, renewing or refinancing
Your bank can only offer its own products. We compare 20+ lenders, negotiate on your behalf and handle the paperwork.
Purchases
First home or next home: competitive rates, flexible terms and a broker who answers the phone.
Learn moreMortgage pre-approval
Know what you can really afford before you fall in love with a house.
Learn moreSwitching mortgages
Renewal coming up? Don't just sign. We'll shop it, at no extra cost to you.
Learn moreRefinancing
Lower payments, pay off debt or fund the dream kitchen with the equity you've built.
Learn moreWhen a bank has said no
Self-employed income, bruised credit or too much debt. One lender's no is not the final answer.
Self-employed mortgage
Your tax return doesn't tell the whole story. We know lenders that understand that.
Learn morePrivate mortgage
Short-term, equity-based financing when traditional lenders won't fit.
Learn moreSecond mortgage
Access your equity without breaking your first mortgage and paying a big penalty.
Learn moreDebt consolidation
Turn a pile of high-interest payments into one manageable monthly payment.
Learn moreHomeowners 55 and over
Use the equity you've built without selling or moving out.
Why go through a broker instead of your bank?
Your bank can only sell you its own mortgage. A broker works for you.
Run the numbers yourself
Four calculators built on the math Canadian lenders actually use. Honest estimates, no sign-up.
How it works
It's not just about getting you the best rate. It's about making the whole process easier, from the first call to the day you close.
Call or book online
A free, no-pressure conversation. Derek or Colin picks up, or calls you back the same day you ask.
We look at the whole picture
Income, debts, goals, timing. Every file starts with a thorough analysis, not a rate sheet.
We shop 20+ lenders
Banks, credit unions, alternative and private lenders. You get your options and our honest recommendation.
We see it through
Leah keeps the paperwork accurate and on deadline, and we stay with you through closing and renewal.
A family team, here since 2015
Brothers Colin and Brendan Eby, with Derek and Leah. Parents, coaches and volunteers who live where you live, and who pick up when you call.
Meet the team
Colin Eby
Owner, PresidentFounded CVE in 2015 after a finance degree and most of his CMA designation.
Brendan Eby
Vice PresidentColin's brother and part of CVE since the beginning.
Derek Heimpel
Business Development ManagerUsually the first voice you'll hear when you call.
Leah Martin
Office ManagerKeeps every file accurate and on track for your closing date.
Our promise
People don't like talking about money. We get it. It's personal, uncomfortable, awkward. It's our job to talk about it, and here's how we do it.
- Your calls will never go unanswered.
- You can trust us for expert advice and insight.
- You'll leave with the tools and knowledge to better your financial future.
- We'll go above and beyond to find the best solution for you.
- We'll walk you through every step, so you feel confident in every decision.
What clients say
Real words from real clients, unedited.
“Highly recommend Colin at CVE! He is a very knowledgeable and experienced broker. He made getting our mortgage a stress free and easy process. He is very approachable and helped us get the best rate possible for our financial needs. Thank you Colin!”
“Colin is a superb mortgage broker. He is knowledgeable, responsive, professional and excellent at problem-solving. Colin takes his time and provides all the details you need when searching for the right mortgage fit. Highly recommend. Best mortgage experience I have had!”
“Colin is without a doubt one of the most driven Mortgage Brokers I have ever met. He went above and beyond for my partner and I when it was time to refinance our home. Thank you Colin, from the bottom of our hearts. We give you a 5 star +++.”
“Our family would highly recommend CVE Mortgage Group for your mortgage needs. Colin is very knowledgeable and responsive and was our trusted advisor as we navigated a recent home purchase. We are very happy with the service we received and definitely would recommend CVE Mortgage Group to anyone.”
“Absolutely Amazing!! Colin was incredible to work with. He made my wife and I feel at ease and took our comfort level to another level. Very down to earth and willing to help with any questions we had. Couldn't be happier and would recommend CVE to anyone!!”
“We highly recommend CVE Mortgage. Colin was extremely helpful and responsive throughout the entire process. Colin was always available to answer any questions that we had and guided us through the entire process. We will definitely be in touch with CVE and Colin in the future to handle our next mortgage.”
“Colin has provided us with exceptional and timely assistance in a complicated lending situation. He has held our hand the whole way through and has always been available for questions. I highly recommend Colin and have and will recommend him to friends and family. He will do right by you.”
“Colin provided us with exceptional service from beginning to end of our transaction. He is professional, honest and knowledgeable. We very much appreciated his prompt and accurate service. I would highly recommend his services and will be returning for future needs.”
Contact and hours
Based in Waterloo Region, serving Kitchener, Waterloo, Cambridge, Guelph and surrounding areas.
Get in touch
- (519) 501-7758Call or text. We call back the same day during office hours.
- derek@cvemortgage.comEmail us any time.
- 8 Foundry St, Baden, ON N3A 2P5Serving Waterloo Region, Guelph and surrounding areas. Most files are handled by phone, email and e-signature.
Office hours
| Monday | 8 am – 8 pm |
|---|---|
| Tuesday | 10 am – 8 pm |
| Wednesday | 8 am – 8 pm |
| Thursday | 10 am – 8 pm |
| Friday | 8 am – 8 pm |
| Saturday | 10 am – 5 pm |
| Sunday | Closed |
Book a free consultation
Tell us a little about your situation. A real person from our team will call you back, usually the same day during office hours.