Looking for a mortgage in Sudbury? You've got options. But not all brokers are created equal. I've analyzed the top local players to help you find the right fit for your home buying or refinancing needs. Whether you're a first-time
Sudbury's Mortgage Market in 2026
Sudbury's real estate market has remained steady with average home prices around $370,000. That means you need a broker who knows the local landscape. Independent mortgage brokers in Sudbury compete on rate shopping, personalized advice, and access to multiple lenders. Unlike big banks, these brokers can find you deals from dozens of lenders, often saving you thousands over the life of your mortgage. The key is choosing one that matches your specific situation.
How I Ranked These Sudbury Mortgage Brokers
I evaluated each broker on five factors: local expertise, range of mortgage products, pricing transparency, client reviews, and additional services like financial planning or insurance. I also considered their ability to handle special situations like bad credit, self-employment, or investment properties. The result is a list of five brokers that cover the spectrum of Sudbury homebuyers.
Here's a quick comparison of the top five Sudbury mortgage brokers. Each offers something unique, so read on to find your best match.
| Provider | Best For | Pricing |
|---|---|---|
| Burke Financial (Greater Sudbury) | Bad credit, subprime, and complex mortgage situations | No published rates; specializes in alternative/private lending |
| True North Mortgage (Sudbury Location) | Rate-conscious buyers who want a national brand with local service | Rates advertised from 2.49% (promotional); lowest rate guarantee |
| Today's Mortgage Choice (Paul Berthiaume - TMC Group) | Borrowers who want a local team with insurance services | No published rates; call (888) 418-6979 for quotes |
| Good Fit Mortgages Solutions (Rico Johnston) | First-time buyers and homeowners seeking online tools and local advice | Contact for rates; offers online calculators and personalized quotes |
| Todd Payzant - Dominion Lending Centres (Neighbourhood Mortgage Source) | Borrowers who want upfront rate transparency and a solo broker experience | Published rates: variable 3.70%, 5-year fixed 4.39%, 3-year fixed 4.34%, 1-year fixed 4.59% |
The Top 5 Sudbury Mortgage Brokers Reviewed
#1 Burke Financial (Greater Sudbury)
A screenshot of the Burke Financial website.
Burke Financial is an award-winning mortgage brokerage with a dedicated Sudbury office. They specialize in subprime and bad-credit mortgages, home equity loans, second mortgages, debt consolidation, and reverse mortgages. With over 97% five-star client ratings, they have a proven track record of helping clients with complex credit situations. Their team-based approach means you get multiple eyes on your file. If you've been turned down by a bank, Burke Financial can often find a solution. They can fund loans in as little as two business days. Source: Burke Financial Sudbury page
Quick Comparison:
- Pro: Exceptional for clients with credit challenges; fast funding
- Con: Rates may be higher than prime lenders due to alternative lending
- Pricing: No published rates; specializes in alternative/private lending
#2 True North Mortgage (Sudbury Location)
A screenshot of the True North Mortgage website.
True North Mortgage is a national brokerage with a physical location in Sudbury. They boast over 17,000 five-star reviews and offer a lowest rate guarantee. Their online application and chatbot make it easy to get started from home. They advertise promotional rates as low as 2.49%, though actual rates depend on your situation. The Sudbury branch provides local in-person service backed by national buying power. If you want competitive rates and a streamlined process, True North is a strong contender. Source: True North Sudbury rates page
Quick Comparison:
- Pro: Low advertised rates and massive online presence
- Con: Promotional rates may not apply to all borrowers; less personalized than smaller brokers
- Pricing: Rates advertised from 2.49% (promotional); lowest rate guarantee
#3 Today's Mortgage Choice (Paul Berthiaume - TMC Group)
A screenshot of the Today's Mortgage Choice website.
Today's Mortgage Choice is a local Sudbury brokerage run by Paul Berthiaume and his team. Located at 398 Lloyd Street, they offer residential, commercial, investment, and specialty mortgages. They also provide insurance services, making them a one-stop shop for your financial needs. Their team of brokers shops multiple lenders to find you the best rate. They don't publish rates online, so you'll need to call for a quote. If you value a local team with diverse mortgage expertise, this is a solid choice. Source: Today's Mortgage Choice homepage
Quick Comparison:
- Pro: Full-service brokerage with insurance; team approach
- Con: No online rate transparency; must call for pricing
- Pricing: No published rates; call (888) 418-6979 for quotes
#4 Good Fit Mortgages Solutions (Rico Johnston)
A screenshot of the Good Fit Mortgages website.
Good Fit Mortgages is a local mortgage brokerage based in Sudbury, Ontario, led by Rico Johnston. The website offers mortgage calculators, a blog with financial advice, and a straightforward application process. They target homeowners and potential buyers in the region with personalized service. While they don't publish specific rates online, their online tools help you estimate payments and understand your options. If you're looking for a broker who combines digital convenience with local expertise, Good Fit is worth a call. Source: Good Fit Mortgages homepage
Quick Comparison:
- Pro: User-friendly website with calculators and blog; local focus
- Con: Limited online rate transparency; smaller team than some competitors
- Pricing: Contact for rates; offers online calculators and personalized quotes
#5 Todd Payzant - Dominion Lending Centres (Neighbourhood Mortgage Source)
A screenshot of the Todd Payzant website.
Todd Payzant operates under Dominion Lending Centres as Neighbourhood Mortgage Source in Sudbury. He offers transparent rate comparison on his website, showing current rates like variable at 3.70% and 5-year fixed at 4.39%. He compares his rates against bank posted rates, showing you the savings per $100,000 borrowed. He serves first-time buyers and experienced homeowners alike. If you appreciate seeing rates upfront without a phone call, Todd's site is refreshingly transparent. Source: Todd Payzant rates page
Quick Comparison:
- Pro: Transparent online rates; shows savings vs. bank posted rates
- Con: Solo agent may have less capacity during busy periods
- Pricing: Published rates: variable 3.70%, 5-year fixed 4.39%, 3-year fixed 4.34%, 1-year fixed 4.59%
How to Choose the Right Sudbury Mortgage Broker for You
Start by identifying your priorities. Are you a first-time buyer needing hand-holding? Go with a local broker like Good Fit or Today's Mortgage Choice. Have bad credit? Burke Financial is your best bet. Want the lowest rate possible? True North's rate guarantee is hard to beat. If you like seeing numbers upfront, Todd Payzant's transparent rates give you a head start. Always ask about lender options, fees, and turnaround times. A good broker will explain everything clearly.
Automate Your Mortgage Search with These Tools
You don't have to do everything manually. Use online calculators from Good Fit Mortgages to estimate payments. True North's chatbot can answer basic questions 24/7. Todd Payzant's site lets you compare rates instantly. Set up rate alerts with Dominion Lending Centres to get notified when rates drop. Combine these tools with a broker's expertise to save time and money.
Your Next Step in Sudbury's Mortgage Market
Sudbury has no shortage of talented mortgage brokers. Whether you choose a national powerhouse like True North or a local specialist like Burke Financial, the key is to pick one that aligns with your financial situation. Good Fit Mortgages offers a solid blend of online tools and local service, making it a strong option for many buyers. Don't settle for the first broker you find. Compare, ask questions, and secure the best deal for your home.