Employee Benefits Overview
How the Program Works
My Home Benefits gives employees and participating members access to preferred mortgage opportunities, real estate savings, practical tools and confidential guidance — at every stage of their homeownership journey.
Whether you're buying your first home, moving, renewing a mortgage, refinancing, consolidating debt or simply planning ahead, the program helps you understand your options before making an important financial decision.
There is no obligation to proceed, and your personal financial information is never shared with your employer or member organization.
Start with what matters to you
You don't need to know which mortgage or financial solution you need before contacting us. Simply choose the situation that best describes you:
- Buying a first or next home
- Renewing an existing mortgage
- Refinancing or accessing home equity
- Consolidating higher-interest debt
- Purchasing an investment property
- Helping a family member buy a home
- Exploring commercial or reverse-mortgage options
- Buying or selling real estate
- Improving your credit or preparing for a future purchase
You can explore the available resources on your own or speak directly with a Mortgage Ambassador.
Get confidential, personalized guidance
Book a complimentary consultation with a Mortgage Ambassador to discuss your goals, questions and current situation. We'll help you understand:
- What options may be available
- What you may qualify for
- How much you could comfortably afford
- Which mortgage features matter for your circumstances
- Whether your employee or member benefits could reduce your borrowing or real estate costs
- What steps you should take next — even if you aren't ready to apply
Your conversation is confidential. Your employer or member organization will not receive your mortgage application, credit information, financial documents or consultation details.
Compare your available options
When mortgage financing is required, Dominion Lending Centres Expert Financial can review solutions from a broad range of banks, credit unions and mortgage lenders. We look beyond the advertised rate and consider the complete mortgage, including:
- Interest rate
- Prepayment privileges
- Penalty calculations
- Portability
- Refinancing flexibility
- Qualification requirements
- Total borrowing cost
- Your short- and long-term plans
Eligible employees and participating members may also receive access to preferred mortgage rates funded through the My Home Benefits program. Rates and approvals remain subject to lender criteria, the mortgage type, the property and the applicant's qualifications.
Use the benefits that fit your situation
Depending on your needs and the benefits available through your organization, you may receive access to:
- Preferred mortgage rates
- Mortgage planning and annual reviews
- Home-buying and refinancing guidance
- Credit and debt-management consultations
- Down-payment assistance strategies
- Real estate referral and rebate opportunities
- Educational webinars, guides and checklists
- Mortgage calculators and planning tools
- Introductions to trusted homeownership professionals
You are always free to use as much or as little of the program as you need.
Receive support from planning through completion
If you decide to proceed with a mortgage or real estate service, your Mortgage Ambassador will help coordinate the next steps. That may include:
- Preparing your mortgage application
- Identifying the documents you'll need
- Comparing suitable lender options
- Explaining conditions and approval requirements
- Coordinating with your lender, lawyer and real estate professionals
- Helping you prepare for closing
- Staying connected for future renewals and annual mortgage reviews
Our role is to make the process easier to understand and easier to manage.
You don't have to be ready to buy
My Home Benefits is designed to help you before, during and after a homeownership decision. You can use the program to build a plan, improve your financial readiness, understand a renewal offer or get a second opinion. Speaking with a Mortgage Ambassador does not commit you to applying for a mortgage or using any service.
Your privacy comes first
Your participation in My Home Benefits is voluntary and confidential. We do not disclose your personal financial information, mortgage details, credit information or consultation history to your employer or member organization. Your employer may promote the program, but it is not involved in your individual consultation or application.
Ready to find your best next step?
Tell us what you're working toward, and we'll help you understand your options.
Mortgage financing is subject to lender approval, borrower qualification, property acceptability and applicable lender terms. Preferred rates and benefits may vary by mortgage type, lender, participating organization and individual circumstances. Real estate rebates and referral services are subject to applicable provincial regulations. Dominion Lending Centres Expert Financial, Lic. #12129.