Row of Houses
Derek Killins

Derek Killins

Waterloo, Mortgage Agent

...Because there are a lot more variables than just the rate when it comes to your mortgage!

Tel: 226-338-8400

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How Can I Help You?

Home Purchases

Review your mortgage options before you buy your next home, vacation or investment property.

First Time Home Buyers

There are many things to think about when buying your first home. Professional mortgage advice is a great place to start.

Mortgage Renewals

At renewal, you can renegotiate everything pertaining to your mortgage - with no penalties. It's also a great time to save money!

Mortgage Refinancing

Get out of a high rate mortgage, or unlock some of your home equity for debt consolidation or other important need.


I have access to lenders that specialize in self-employed mortgages, and can anticipate the challenges you might face.

Improve Your Credit

I can help you find a mortgage lender that fits your budget, or start improving your credit now for the best mortgage rate later.

Some of our lenders

Educational Videos

Mortgage Kit - #1 - Are You Ready To Buy A Home?

Mortgage Kit - #1 - Are You Ready To Buy A Home?

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Mortgage Kit - #2 - How much downpayment do you need?

Mortgage Kit - #2 - How much downpayment do you need?

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Mortgage Kit - #3 - Downpayment Savings Strategies

Mortgage Kit - #3 - Downpayment Savings Strategies

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Be in the Know!

Sign up for our weekly or monthly newsletters packed full of the latest mortgage related news.

Client Testimonials

Happy Clients

"As second time home owners, we weren't sure we wanted a bank mortgage again. We had Derek recommended to us and thank goodness!!! He secured us wit..."

"Derek was extremely helpful in getting us financed for our first home. We really appreciate his patience in walking us through all the numbers and ..."

"Derek was wonderful to work with. He bent over backwards to assist us with any financing relating to our house purchase. His assistance and advice ..."

"We refinanced with Derek after YEARS with Scotiabank. We always thought a mortgage agent was for anyone with difficulty getting a conventional mort..."

"I was a first time home buyer and highly anxious person. I had a 3 week closing date as well. Derek worked very hard to get me the best rate possib..."

"The only thing I can say at this moment is... IF and IF you are ever in need of advice, and real plans that can truly help you secure a loan to pur..."

Your reviews are appreciated...