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Buy, Renew or Access Your Homes Equity – With Confidence. 


We are still open, taking applications and closing mortgages 100% online and over the phone. Our Bank level/ enterprise grade security ensures your information protection, while we offer the same high level of dedication, answers to your questions, expert mortgage guidance and advice that our customers have come to appreciate over the years.

No matter what your mortgage need is, Altrua is here to simplify the process and help make your approval a breeze. 

We are a fully licensed Mortgage Brokerage, with over 12 years history serving clients across Ontario.

Same Great Mortgages. Simply at Lower Rates.

We begin by using our high mortgage volumes and close lender relationships to access the best possible lender rates. From here,  Altrua Financial lowers its customers’ rates even further by sacrificing some of its lender paid commission. 

Our Competition Might Lower Your Rate On Exception. We Lower Your Rate By Policy.

And over 100 more lenders available.

Kitchener Mortgage Broker - Brent Richardson

We’re Experts Working for you, with you.

Get a highly trained Mortgage Broker who cares deeply about your goals – not the Banks’ bottom line. We provide unbiased mortgage options and guidance for your best result. Then we handle all the mortgage legwork – quickly and efficiently.

Click to Ask a Question or Call 1-877-248-9210 for a no obligation chat.

Our Mortgages Give Back.

Altruism (al-tru-ism): is the belief and practice for the well being of others. This reflects Altrua’s approach to mortgage service and the community.

For each mortgage funded, Altrua sponsors several important causes. We offer you the opportunity save more on your mortgage, while improving our community in meaningful ways.

Read Our Story and How We Give Back

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5 Year Fixed 2.54%
5 Year Variable 2.05%
3 Year Special 2.59%

Lowest Rates Available. Period.

We will quote you the best mortgage rates available in the market. But if you do happen to 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.  


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Ontario Mortgage Specialists

Providing the Lowest Rate First Mortgages, Second Mortgages, Home Equity Loans and Private Mortgages in Waterloo Region, Ottawa, GTA and across Ontario

Mortgage Lenders Based in Kitchener Waterloo, Cambridge, Ottawa and GTA serving all of Ontario

Kitchener is a vibrant and rapidly developing City in Southern Ontario with a population of about 241,222 people in 2020,  and population growth is at a stable 7% year-over-year rate. The City 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. As leading Ontario Mortgage Brokers, and Mortgage Brokers Kitchener, Altrua Financial Inc. is a proud product of this local innovation and provides the lowest mortgage rates across Ontario. There are several Kitchener Mortgage Brokers available, but only we focus on providing the lowest mortgage rates. This helps to make buying a home, or refinancing a mortgage in Kitchener more affordable and also provides a better piece of mind. Real estate sales and values should remain strong given the stable and diversified local economy, and proximity to Toronto.  This local growth is attracting investors from across Ontario too, which has recently lent to 10% per year growth in the local Kitchener housing market, according to the Kitchener Waterloo Real Estate Board.

kitchener real estate

The City of Waterloo, Ontario 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. As Mortgage Brokers Waterloo we are aligned with this local culture of innovation with its lowest mortgage rate discounts and industry-leading mortgage services. The City itself, with a current 2020 population well over 100,000, has long relied on a diverse economy that includes top 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 Waterloo Real Estate market is currently stable and growing in 2020, and it looks as if this trend will continue well throughout the year. Helped by some of the lowest mortgage rates in history, and an excellent well-diversified economy. Waterloo is certainly an excellent place to get a mortgage and call home.

*NEW* Ottawa, Ontario Mortgage Service

 Altrua Financial are rapidly growing Ontario Mortgage Brokers due to our expert, and highly dedicated customer service – but most of all because of our rates that beat the banks and even rates offered by other local and national Mortgage Brokers. As we expand our staff and areas of business focus, Ottawa stood out as an excellent area to continue our development of the same high standards that we have become known for in other areas of Ontario. So we invite you to check out our Ottawa Mortgage Brokers page and see why we are well positioned to become the leading Mortgage Brokers in Ottawa. Address: *100 Gloucester St. Ottawa, ON, K2P 0A4*

Discover the Power of a Plan

For many of our customers, the mortgage is the single biggest part of their financial picture. But typical financial planning is based on life insurance and investments, and barely scratches the surface when it comes to proper mortgage management. If you are applying for a mortgage and want to become wealthy – let’s recognize the 300-pound gorilla in the room.

Written by Brent Richardson, Certified Financial Planner and Principle Mortgage Broker of Altrua Financial, Mortgage Broker Kitchener, learn how you can become wealthy and attain true financial freedom in our easy to use mortgage planning course. Click the link below.

Start Your Journey