Centum Financial Group Inc.

What Centum Financial Group Inc. does

Centum Financial Group Inc. is a Vancouver-based privately held Canadian mortgage brokerage franchisor, operating the CENTUM® network — one of the largest national mortgage broker brands in Canada, founded in 2002 and owned by Charlwood Pacific Group. The company does not originate mortgages itself; instead it grants franchises to independently owned and operated broker offices, with the network spanning 200+ offices and 2,200+ mortgage professionals serving more than 15,000 Canadian borrowers annually from coast to coast.

The product offering is a comprehensive suite of residential and commercial mortgage products, including pre-approvals, refinances, renewals and switches, HELOC, reverse mortgages, private/alternative lending solutions, new-to-Canada mortgages, self-employed mortgages, bad-credit mortgages, investment property, home construction, vacation/second home, commercial mortgages, and debt consolidation, supplemented by life and disability insurance, consumer loans, and small-business leasing. Underlying technology is limited and primarily back-office: a Zoho-authenticated CENTUM Connect broker portal (piper.centum.ca), a public website with a suite of mortgage calculators, and Google Analytics on centum.ca. There is no disclosed AI/ML capability, mobile app, or third-party platform integration beyond Zoho and Google Analytics.

CENTUM generates revenue through mortgage brokerage commissions earned from its 18 lending partners — a roster that includes major Canadian banks (Scotiabank, TD, Manulife, B2B Bank, ICICI Bank Canada) and a broad set of alternative and monoline lenders (MCAP, First National, Home Trust, RMG, Merix, Equitable Trust, CMLS, Street Capital, MCAN, Marathon Mortgage, Haventree). The franchise model means revenue mechanics include per-transaction broker commissions layered with corporate/franchise fees from 200+ franchisees, plus ancillary commissions on insurance and leasing products. Customers are individual Canadian consumers (homebuyers, self-employed, newcomers, seniors, investors) reached through the website, a Find-a-Broker directory, and direct contact; pricing to consumers is opaque, with brokers paid by lenders rather than the borrower.

Name

Centum Financial Group Inc.

Legal name

Centum Financial Group Inc.

Website

https://centum.ca

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Centum Financial Group Inc. is a Vancouver-based Canadian mortgage brokerage franchisor operating the CENTUM® network of 200+ offices and 2,200+ brokers, connecting individual Canadian borrowers with 18 lending partners across residential, commercial, and alternative mortgage products.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Commercial mortgage broker
• Mortgage franchise network
• Home purchase financing

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage brokerage commissions: CENTUM earns commissions from lending partners when mortgage transactions are facilitated through its network of franchise brokers. The company connects borrowers with lenders across its network of trusted lending partners including major banks and alternative lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Centum Financial Group Inc. operates one of Canada's largest mortgage brokerage franchise networks, with more than 200 offices and 2,200 agents across the country, connecting Canadian consumers and businesses with 18 institutional lending partners for residential and commercial mortgage solutions. The company brokers home purchase mortgages, renewals, refinances, and commercial/investment property financing, serving over 15,000 clients annually. The franchise model is operated under the corporate ownership of Charlwood Pacific Group.

Product overview

CENTUM is a franchise-based mortgage brokerage network operating across Canada, offering a comprehensive suite of mortgage products and related financial services. The core offering consists of residential mortgage services including purchases, refinances, renewals, and switches, with specialized products for first-time buyers, self-employed borrowers, investment properties, construction, commercial real estate, reverse mortgages, private/alternative lending, and debt consolidation. The network spans 200+ offices and 2200+ mortgage professionals (agents/brokers) and offers ancillary services including insurance and business leasing solutions. Technology tools include mortgage calculators and an internal broker Portal system. The company does not operate as a technology platform with AI capabilities; it is a traditional mortgage brokerage franchise connecting borrowers with lenders through human brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Brokerage Brokerage of residential home purchase mortgages for individual Canadian homebuyers, sourcing products from 18 institutional lending partners and placing loans through Centum's 2,200+ agent network.
• Mortgage Renewal Services Brokerage services to help Canadian homeowners shop, compare, and switch lenders at mortgage renewal, leveraging the 18 lending partner relationships to identify better rates and terms.
• Mortgage Refinancing Services Brokerage of mortgage refinancing for Canadian homeowners seeking to access equity, consolidate debt, or change loan terms, sourced from 18 lending partners.
• Commercial Mortgage Brokerage Brokerage of commercial and investment property mortgages for Canadian small-to-mid-market businesses, real estate investors, and commercial property buyers, leveraging 18 lending partner relationships.
• Franchise Mortgage Brokerage Network Licensed mortgage brokerage franchise system for owner-operator brokers and entrepreneurs across Canada, providing brand, training, lender access, and back-office support in exchange for franchise fees and revenue share.

Quantifiable outcome

• 15,000+ Canadians served annually
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

18 partnerships are on record, tiered core and flagship.

• ScotiabankcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• TD Canada TrustcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• RMG MortgagescoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Street CapitalcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Merix FinancialcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• MCAPcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• MCAN FinancialcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Marathon MortgagecoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• ManulifecoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• B2B BankcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• ICICI Bank CanadacoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Haventree BankcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Home TrustcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• First NationalcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Equitable TrustcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• CMLS FinancialcoreOthersLending partner within CENTUM's network, providing mortgage products to customers facilitated through the broker network.
• Charlwood Pacific GroupflagshipStrategic or Co-development PartnerParent company of Centum Financial Group Inc. Charlwood Pacific Group is the owner and operator of CENTUM, and is also affiliated with CENTUM Financial Services LP, CENTURY 21 Canada LP, CENTURY 21 Canada Inc., CENTURY 21 Real Estate Services Ltd., and Uniglobe Travel International LP.
• ZohocoreTechnology or IntegrationTechnology partner providing enterprise software including Zoho Mail and Zoho authentication services used for CENTUM Connect portal and internal operations.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Mortgage Architects: Canadian mortgage broker network operating a franchise-style model with multiple lending partner relationships. Directly comparable to CENTUM in business model, customer segments, and product breadth across residential and commercial mortgages.
• Butler Mortgages: Canadian independent mortgage brokerage operating across multiple provinces, serving residential borrowers with access to multiple lenders. Comparable mid-size Canadian broker competitor.
• Verico Financial Group: Canadian mortgage broker network with independently owned member brokerages across the country. Similar franchise-style network economics and multi-lender platform to CENTUM.
• Capilano Group of Companies: Canadian mortgage and financial services company with a network of brokers offering residential and commercial mortgages. Comparable independent-broker distribution model across Canada.
• Dominion Lending Centres: Canada's largest mortgage broker network with a comparable franchise model and national footprint. Most direct competitor in the Canadian residential mortgage brokerage channel, serving similar borrowers via multi-lender brokerages.
• Mortgage Alliance Company of Canada: National Canadian mortgage brokerage network with independently operated broker offices and multi-lender access. Closely comparable in operating model, target borrowers, and lender partnerships to CENTUM.
• TMG The Mortgage Group: Canadian mortgage brokerage network with a national footprint of independent brokers. Directly comparable in business model and Canadian residential mortgage focus.
• Invis Mortgage Advisors: Canadian mortgage brokerage focused on independent mortgage professionals serving residential borrowers. Operates a similar independent-broker model with multi-lender access and national coverage.

Others

• MCAN Mortgage Corporation: Canadian mortgage lender and mortgage investment corporation listed on the TSX, one of CENTUM's lending partners. Comparable as a non-bank mortgage originator that operates in the same channel and even supplies CENTUM's broker network, representing the lender-side counterpart in the Canadian mortgage ecosystem.

Emerging players

• Nesto: Canadian digital mortgage brokerage operating primarily online, serving borrowers seeking mortgage rate comparison. Represents the emerging digital-first broker channel that may compete with traditional franchise-based brokers like CENTUM for straightforward residential transactions.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/centumcanada
• LinkedInlinkedin.com/company/centum

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Centum Financial Group Inc.