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Our Mission

At Main St. Mortgage Services Ltd. we provide a level of service which exceeds the expectations of the clients we serve, to assist them on their road to financial independence. We have formal relationships with virtually all of Canada's major lending institutions including both A and B banks, Credit Unions, Life and Trust companies, all major Mortgage Servicing companies and several Private lenders--we're the small town company with BIG CITY connections!

Recent Research Recognizes a Trend

38% of Canadian and 70% of American mortgage seekers employ the services of a professional mortgage consultant.

This trend continues to grow as people realize that a mortgage broker is a highly regulated, educated and responsible individual who provides a full view of the mortgage marketplace for clients, finding them the best possible rates and terms. This type of service is not only indispensable but, at Main St. Mortgage Services Ltd.,is also free of charge.

Building Loyalty with Each Client

Everyone wants to feel important. At Main St. we do whatever it takes to ensure all your questions are answered, and all your requirements are met. That's because we work for you, not the Lender. Our services are subsidized by the lender who funds your mortgage, like a referral reward system.

We can help take care of all your mortgage particulars, saving you precious time and money. Main St. negotiates with lenders on your behalf, allowing you to bypass the traditional channels and the usual hassle of shopping around. With Main St. Mortgage Services Ltd. there is no need to shop around--our rates are simply the best rates, all the time. Guaranteed!

Main St. handles all technical and dynamic aspects of the mortgage business with the utmost professionalism and creativity. We are committed to making your mortgage process as simple and as worry-free as possible. Each client benefits from our many years of senior lending experience and will enjoy the best rates available, confidential and honest discussions, and exceptional levels of personal service. Simply put, we are successful because of our people.

Customized Services
We cater to your specific needs by offering various products and services:
Residential or commercial
Fixed or variable rates
Purchases
Refinances
Line-of-credit
Debt consolidations to 90% of home value at prime rates
Creative financing
100% purchase financing still available
RRSP Home Buyers Plan
Government assistance programs
Equity financing
Second mortgages

What Main St. Mortgage Services Ltd. Brings You
In addition to our unsurpassed service we offer you the following:
Over thirty successful years of knowledge and experience
Alliances with Canada's leading mortgage providers:
   *First National
   *MCAP Mortgage Corporation
   *Maple Trust
   *CIBC
   *Merix Financial
   *TD Canada Trust
   *National Bank
   *ING Bank
   *Bank of Montreal
Prequalification that means Pre-approved
Continued market searches that bring you the best terms right up to your closing date
Flexibility and choices.



President Bob Widdicombe has been a full time and successful member of the Fianancial Services Industry for over 35 years. He is the finance training specialist for Royal Lepage Niagara Real Estate--a multi-branch real estate business with over 250 agents. He has earned a solid and impeccable reputation for integrity by consistently delivering effective results.

His many credentials include:
35 years licensed mortgage broker
12 years management with national lender
Former director A.M.B.A.
Charter member Canadian Institute of Mortgage Brokers and Lenders (CIMBL)
Main St. Mortgage Services also has on staff a former Bank Vice President with over 30 years experience, an Environmental Specialist, a Chartered, A Corporate Communications Expert, and Mortgage Specialists with extensive backgrounds in real estate and banking.


Employee Biographies...