1 2017-10-12T16:58:48+00:00
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Trusted in Waterloo Region with the Most 5-Star Reviews.

We strive to provide our clients with the ultimate mortgage experience. But don’t take it from us.

Click to check out some of our recent 5 Star reviews.

$13 Billion in Mortgages Funded Annually Within our Partner Network.

As part of the Verico Mortgage Broker Network Canada, we participate in enormous mortgage volumes that give us access to the best possible lender rates. From here, Altrua Mortgage Brokers lowers rates even further for our clients by sacrificing some of our lender paid commission.

Get the Same Great Mortgages. Simply at lower rates.

And over 20 more lenders.

Kitchener Mortgage Broker - Brent Richardson

We’re Experts Working for you, with you.

Get a highly trained mortgage Mortgage Broker who cares deeply about your goals – not the lenders’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – without charging a fee.

Click to Ask a Question or Call 519-568-3377 for a no obligation chat.

Fast Answers Today. Lasting Results.

Even though we offer lower rates than Banks and other Mortgage Brokers, we provide unmatched service levels.

  • Get detailed answers to your questions in just minutes.
  • Enjoy our efficient mortgage process.
  • Benefit from our unique long term mortgage centered planning program.

Click to learn about our mortgage centered planning program: ‘Building Your Financial House’

5 Year Fixed 2.84%
5 Year Variable 2.05%
3 Year Special 2.54%


Lowest Rates Available. Guaranteed.

Altrua Financial Guarantees you the best rate available for your home purchase. If you do find a better rate, we will beat it or give you $500. 

Mortgage flexibility and quality count. Our lower rates come from high volumes and deeper lender discounting – not ‘high penalty’ or other costly mortgage limitations.  

Learn about our Lowest Rate Guarantee.

From the Blog

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Mortgage Renewal: The Ultimate Guide

August 10th, 2017|0 Comments

Mortgage Renewal: The Ultimate Guide If your mortgage is coming up for renewal, this is an excellent time to revisit your real estate plans [...]

Mortgage Centered Financial Planning: Paying Off Your Mortgage Faster is Just the Beginning

July 3rd, 2017|0 Comments

Mortgage Centered Financial Planning: Paying Off Your Mortgage Early is Just the Beginning. A financial plan is an important resource that provides financial clarity, [...]

10 First Time Home Buyer Rookie Mistakes

May 6th, 2017|0 Comments

10 First Time Home Buyer Rookie Mistakes, and How to Avoid Them Buying a home, especially for the first time, [...]

How to Get the Best Mortgage Rate

April 30th, 2017|0 Comments

The Complete Guide on How to Shop for the Best Mortgage Rate Most mortgage shoppers don't discover the simple truth. Unfortunately, [...]

Altrua Mortgage Specialists

Providing the Lowest Rate First Mortgages, Second Mortgages and Private Mortgages for All of Canada

Mortgage Lenders Based in Kitchener-Waterloo – Available across Canada

Kitchener is a vibrant and rapidly developing City in Southern Ontario with a population of about 233,222 people in 2016. It is situated in the heart of the Waterloo Region tech triangle and has attracted major presences of some of the biggest names in technology including Google, Netsuite, and Vidyard. But perhaps, more importantly, are the hundreds of budding start-up companies that will provide a fertile, long –term economic growth platform. Altrua Mortgage Brokers is a proud product of this local innovation and provides the lowest mortgage rates across Canada. There are several Kitchener Mortgage Brokers available, but only Altrua focuses on providing the lowest discounted mortgage rates. This helps to make buying a home, or refinancing a mortgage in Kitchener more affordable and also provides better piece of mind. Real estate values should fare well over time given the thriving and dynamic local economy. This local growth is attracting investors from across Canada as well, which has recently lent to 10% per year growth in the local Kitchener housing market, according to the Kitchener Waterloo Real Estate Board.

Overhead Shot of Kitchener Ontario
Downtown Waterloo Ontario

The City of Waterloo has a rich history of innovation, industry, and quality of life. These are all major considerations when buying a house and selecting a Waterloo Mortgage Broker. Altrua Mortgage Brokers Waterloo aligns itself with the culture of local innovation with its deep mortgage rate discounts, and also with the quality of experience with its fast and friendly customer service. The City itself, with a current 2017 population just over 100,000, has long relied on a diverse economy that includes leading Life Insurance company presences such as Sun Life, Manulife, Economical and Equitable Insurance. There is also a substantial high technology economy,  that continues to bud from the University of Waterloo. Local presences include Blackberry and OpenText, as well as dozens of other growing global brands. The local housing market has fared well from this economy, and dozens of yearly festivals and community events make Waterloo feel like home. Accordingly, the Waterloo housing market has seen 10% + growth in 2016 and is on track again for the same in 2017.