Education Centre

Industry Links

Check out these links for more information as it relates to your mortgage.

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Credit Bureaux

Equifax and Trans Union are the two credit agencies used by Canadian banks. Before making major purchases, such as buying a home or car, it is important to know your credit and how it may affect a banks decision process. To learn more about credit and click here.

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Equifax, the larger of the two credit agencies, compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history using their unique credit reporting method.

TransUnion Logo

Trans Union compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history,

Government Agencies

These are two federal government agencies that play a role when it comes to your mortgage.

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The Bank of Canada is the nation's central bank. It is responsible for Canada's monetary policy, bank notes, financial system and funds management.


Canada Revenue Agency (CRA) administers tax laws for the Government of Canada.

Assessment Agencies

These assessment agencies, both local, provincial, and federal, are used to determine a properties market value for the purposes of; property tax, refinancing, purchasing and/or selling.

appraisal institute of canada

Appraisal Institute of Canada is the premier real estate appraisal association in Canada. The institute is a self-regulating body whose mission is to protect the public interest by ensuring highest standards, practices and professional conduct in real estate appraisals.

muncipal assessment agency

The Municipal Assessment Agency is a professional organization meeting the property assessment and valuation needs of our clients in an effective and cost-efficient manner.

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St. John's Municipal Assessment Search Application for the property assessment and valuation needs of the residents in St. John's, NL.

Mortgage Insurers

These are the three mortgage insures in Canada.


Backed by 60 years of experience, we work with community organizations, the private sector, non-profit agencies and all levels of government to help create innovative solutions to today's housing challenges, anticipate tomorrow's needs, and improve the quality of life for all Canadians.

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A Canadian private investor group, comprised of the Ontario Teachers’ Pension Plan and National Mortgage Guaranty Holdings Inc., acquired AIG United Guaranty Mortgage Insurance Company Canada.


Sagen, formerly Genworth Financial, assists families with mortgages, protects families through insurance and helps customers secure their financial future.