Mortgages
First-time buyer, refinance, renewal, investment, or a more complex situation — get options explained clearly and tailored to you.
SERVING NORTH BAY & AREA
The Schofield Team
One-stop shop
Mortgage & Real Estate team
Mortgage and real estate guidance from dual-licensed mortgage and real estate professionals in North Bay, Ontario. Clear advice, local knowledge, and a plan built around you.
Over 35+ years combined experience We actually live here! Truly local.
How we help
A better way to make your next move.
You do not have to navigate a major financial decision alone. We bring the mortgage and real estate conversations together so the path forward feels simpler.
Real estate
Buy or sell with practical local advice and a team that understands how the financing and property sides connect.
One connected team
From your first conversation through closing, keep the important decisions moving with experienced guidance at every step.
Featured Properties
Featured properties are a selected collection. For more available homes, browse a property search below.
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Mortgage Application
Secure online application.
Start your mortgage application online through Velocity by DLCG — an industry-standard platform built for today's mortgage professionals. It gives you a convenient, secure way to get your information started before we connect.
Start your applicationSecure submission
Share your application and supporting details through a secure online process.
Apply on your schedule
Complete the steps online when it works for you, from wherever you are.
A smoother start
Keep your mortgage information organized so we can review it and follow up faster.
Schofield · Mortgage advice
Find your mortgage path.
Plan a purchase, compare renewal options, or review a refinance.
Rock Capital Mortgage, Brokerage · Licence #10556
The Schofield Team · Real estate
Plan your next move.
Local guidance for buying or selling in North Bay and area.
Sutton-Choice Real Estate Inc. · Real estate services available separately.
The Schofield Team's MCC Home Centre App
Your mortgage plan, in your pocket.
Take the next step with more clarity. Our free Canadian mortgage app gives you practical tools to explore a purchase, renewal, refinance, or future move whenever it works for you.
Get pre-qualified without a credit check
Calculate payments, down payments, and closing costs
See what you may be able to afford
Compare options and save PDF summaries
Download the free app 
Available on iPhone & Android
Behind every mortgage
More choice. More savings.
The Mortgage Centre is proudly part of DLCG, Canada's largest mortgage group. We originate more new mortgages annually than any major bank, credit union or trust company in Canada.
More choice = more savings.
Reach out to us today to discuss your mortgage options.
01
More choice than one bank
We can compare mortgage solutions from a range of lenders and focus on what fits your goals.
02
A network built for mortgages
Mortgage Centre Canada is a DLCG company, connected to an industry-standard mortgage network.
03
Guidance you can feel good about
Todd, Dylan, and Ashley explain the options clearly, keep the process moving, and stay with you through closing.
04
Broker use is growing
38% of recent Canadian homebuyers obtained their mortgage through a broker in 2025, up 6 points from 2024.
05
First-time buyers are choosing brokers
Broker use reached 48% among recent first-time buyers in 2025, up 10 points year over year.
06
Advice people value
Among mortgage holders who used a broker, 83% would recommend their broker and 72% would use one again.
07
National reach, local advice
DLCG’s national network includes more than 8,800 mortgage agents, bringing broad support behind local guidance.
Sources: Mortgage Professionals Canada, The Broker Advantage (2026); DLCG Q2 2026 results.
70+ lender options
More doors can mean a better fit.
With access to 70+ lender options across major traditional banks, monoline lenders, credit unions, and private lenders, we have more than one place to look when we build your mortgage strategy. Our job is to compare the options, explain the trade-offs, and help you choose the path that fits your goals.
Lender availability, rates, and approval requirements vary by application and can change over time. We'll review the details with you before making a recommendation.
Local knowledge
North Bay is home. We know the way around.
Based in North Bay, Todd, Dylan, and Ashley serve clients across the area with practical advice and genuine local perspective.
Meet the team Our service area
Proudly serving North Bay & Area
North BayCallanderEast FerrisMattawaPowassanWest NipissingTemagamiSouth River
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Local life. Shared along the way.
Follow The Schofield Team on Instagram for North Bay community moments, home inspiration, mortgage insight, and updates from Todd, Dylan, and Ashley.
Follow @theschofieldteamThe Schofield Team
“One connected team. One clear plan for your next move.”
Start with a conversation
Contact The Schofield Team directly.
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