Centum Mortgage Partners Inc.

What Centum Mortgage Partners Inc. does

Centum Mortgage Partners Inc., operating as CENTUM Canada, is a national mortgage brokerage franchise network headquartered in Vancouver, British Columbia. Founded in 2002 and owned by the diversified Charlwood Pacific Group (which also owns CENTURY 21 Canada and Uniglobe Travel International), CENTUM distributes mortgage origination services through more than 200 franchised offices and a network of 2,200+ independent mortgage agents across Canada. The platform serves 15,000+ Canadian customers annually, spanning first-time buyers, self-employed borrowers, newcomers to Canada, credit-challenged borrowers, seniors (55+ reverse mortgages), investment property buyers, and commercial property investors.

The product portfolio covers 15+ core mortgage lines — purchase, pre-approval, refinancing, renewals and switches, HELOC, home construction, investment property, debt consolidation, vacation/second homes, commercial, reverse, private/alternative, self-employed, new-to-Canada, and bad-credit mortgages — supported by eight online calculators, a Zoho-integrated broker/agent portal (piper.centum.ca), and an online application flow. CENTUM matches borrowers to 17+ lending partners, including Scotiabank, TD Canada Trust, Manulife, First National, HomeTrust, MCAP, MCAN, Merix, B2B Bank, ICICI Bank Canada, RMG, Street Capital, CMLS, and Equitable Trust, spanning prime banks, credit unions, and alternative lenders.

The business model is a franchise royalty and transaction-fee architecture: independent franchisees earn lender commissions on funded mortgages, and the franchisor captures franchise fees and volume-based arrangements with lending partners. Ancillary revenue streams include referral fees from an exclusive home insurance partnership with Mello Insurance, plus cross-sold life and disability insurance, business leasing, and consumer loan products. The company is privately held, has no disclosed external funding, and reports no leadership changes, M&A, or restructuring activity in the source data.

Name

Centum Mortgage Partners Inc.

Legal name

Centum Financial Group Inc.

Website

https://centum.ca

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Centum Mortgage Partners Inc. (CENTUM Canada) is a Vancouver-headquartered, privately held franchise mortgage brokerage network operating 200+ offices and 2,200+ agents across Canada, originating residential, commercial, reverse, and alternative mortgages via 17+ lending partners for 15,000+ Canadian consumers annually.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokers (FSALABAD), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Mortgage brokerage services
• Residential mortgage financing
• Commercial mortgage lending
• Mortgage renewal services
• Alternative lending solutions

Headquarters

HQ city

Charlottetown

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commissions: CENTUM operates as a mortgage brokerage franchisor. Individual franchise brokers earn commissions from lenders on successfully closed mortgage transactions. The franchisor generates revenue through franchise fees and potentially volume-based arrangements with lending partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Centum Mortgage Partners Inc. (CENTUM Canada) is a national franchise-based mortgage brokerage network that arranges residential, commercial, investment, and specialty mortgage financing for Canadian consumers through 2,200+ brokers across 200+ offices. The brokerage connects borrowers to 17+ lending partners including major banks and alternative lenders, and provides supplemental services such as insurance referrals, business leasing, and consumer loans.

Product overview

CENTUM Canada is a national mortgage brokerage network offering a comprehensive suite of mortgage products and financial services through a network of 2200+ agents across 200+ offices. The core offering consists of mortgage products including purchase mortgages, refinancing, renewals, and specialized solutions for first-time buyers, self-employed individuals, those with credit challenges, and newcomers to Canada. The portfolio includes 15 core mortgage products covering residential, commercial, investment, and reverse mortgages. Supporting services include insurance products, business leasing, and consumer loans. The platform provides 8 online calculator tools to help clients assess affordability and plan mortgages. CENTUM operates a broker/agent Portal for transaction processing and partners with 17 major lending institutions including major banks and alternative lenders.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Pre-Approval Initial mortgage pre-approval process that determines how much a buyer can afford before house hunting, targeted at prospective homebuyers in Canada.
• First Time Home Buyers Mortgage Mortgage solutions and guidance for Canadians purchasing their first home, including qualification support and product selection.
• Self-Employed Mortgage Mortgage solutions for self-employed Canadians with non-traditional income documentation, helping them qualify for home financing through appropriate lenders.
• Mortgage Refinancing Restructuring of existing mortgages to lower rates or access home equity for major expenses, available to Canadian homeowners.
• Mortgage Renewals and Switches Assistance with renewing expiring mortgages or switching lenders for better rates or terms.
• Investment Property Mortgage Financing solutions for Canadians purchasing residential or commercial investment properties.
• Debt Consolidation Mortgage Mortgage solution that consolidates multiple debts into a single payment, potentially reducing interest costs for the borrower.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, allowing Canadian homeowners to access funds as needed.
• Home Construction Mortgage Financing for Canadians building a new home, covering construction costs from groundbreaking through completion.
• Private & Alternative Mortgage Solutions Non-traditional mortgage options for borrowers who may not qualify through conventional lenders, arranged through private/alternative lending partners.
• New to Canada Mortgage Mortgage products for newcomers to Canada who may have limited Canadian credit history.
• Bad or Poor Credit Mortgage Mortgage options for Canadians with credit challenges, sourced through alternative lenders and credit-rebuilding programs.
• Vacation & Second Home Mortgage Financing for purchasing vacation properties, cottages, or secondary residences in Canada.
• Commercial Mortgage Mortgage products for commercial property purchases, including office, retail, and industrial properties.
• Reverse Mortgage Financial solution for Canadian senior homeowners (55+) allowing access to home equity without selling or moving.
• Life and Disability Insurance Insurance products to protect mortgage holders and their families against death or disability.
• Business Leasing Solutions Equipment and vehicle leasing solutions for Canadian small businesses.
• Consumer Loans Personal loan products for Canadian consumers for various needs outside of mortgage financing.
• Home Insurance Referral Exclusive home insurance referral partnership with Mello Insurance for newly mortgaged customers in ON, MB, SK, AB & BC.

Quantifiable outcome

• Trusted by 15,000+ Canadians each year for mortgage advice and financing solutions
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Mello InsuranceminorGTM or Marketing PartnerCanada's Digital Insurance Broker providing exclusive home insurance referrals to CENTUM customers. Available in ON, MB, SK, AB & BC. Customers can get quotes online and pay monthly with credit card.
• Zoho CorporationcoreTechnology or IntegrationTechnology provider powering CENTUM's email system (centum.ca Zoho Mail) and broker Portal (piper.centum.ca) with authentication and account management capabilities

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Ratehub (CanWise): Canadian financial comparison platform that includes mortgage rate shopping and brokerage services; competes for the same consumer rate-comparison intent that drives traffic to CENTUM.

Others

• Home Trust Company: Alternative Canadian lender that provides mortgage products through CENTUM's broker network; included as an ecosystem counterparty and adjacent player in the same origination value chain.

Direct peers

• Verico: Canadian mortgage brokerage network aggregating independent brokerages under a shared brand and lender panel, competing head-to-head with CENTUM for franchisees and borrowers.
• Dominion Lending Centres: Canada's largest national mortgage brokerage franchise network with a comparable multi-channel model, large broker base, and broad lender panel. It is the closest analogue to CENTUM's franchise-driven distribution strategy.
• Mortgage Architects: Canadian mortgage brokerage network operating a similar franchise model with multiple lender partnerships and a focus on independent broker-owners across provinces.
• True North Mortgage: Canadian mortgage broker offering multi-lender rate shopping with a hybrid digital-plus-advisor model, competing for the same broker-assisted borrower segment.
• Mortgage Alliance: Canadian mortgage brokerage network with independent broker-owners across the country, directly comparable in structure, lender panel breadth, and product mix.
• nesto: Digital-first Canadian mortgage brokerage that connects borrowers with multiple lenders online. Represents the digital disruption alternative to CENTUM's franchise model.

Emerging players

• Borrowell: Canadian fintech offering credit products and increasingly mortgage solutions via digital channels; an emerging alternative for tech-native borrowers comparing broker versus direct options.
• Pine: Toronto-based digital mortgage brokerage focused on a streamlined online experience for Canadian homebuyers, increasingly competing for the same first-time buyer audience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/peimortgages

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Mortgage Partners Inc.