City Centre Mortgages – Your Trusted Partner in Home Financing
At City Centre Mortgages, I specialize in guiding Canadians through every step of the mortgage process – from first-time homebuyers to seasoned investors. With over a decade of experience, I provide expert advice on:
🔹 Home Purchases – Helping clients secure the best mortgage options for their dream homes.
🔹 Mortgage Refinancing – Unlocking equity and lowering monthly payments through strategic refinancing.
🔹 Renewals – Finding better rates and terms when your current mortgage is up for renewal.
🔹 Investment Properties – Structuring mortgages to grow your real estate portfolio.
🔹 New Construction Financing – Tailored solutions for building or buying new homes.
🔹 Debt Consolidation – Using home equity to simplify and manage debt effectively.
I work with a wide range of lenders to ensure you receive the most competitive rates and products that suit your needs. At City Centre Mortgages, it’s not just about rates – it’s about building lasting relationships and empowering clients with the knowledge they need to make confident financial decisions.
Whether you're in Surrey, Vancouver, or across Canada, I’m here to help you achieve your homeownership goals. Let's build your financial future together.
My Mortgage Toolbox
Download our Canadian Mortgage App for all your mortgage needs. It's designed to help you quickly and easily navigate the complexity of mortgages.
Scan the QR Code to download our free app
Download our mobile app and get access to all premium mortgage tools to help you plan your next purchase, renewal or refinance.
What can you do with our mobile app?
Get Pre-Qualified without a credit check
Calculate your total cost of owning a home
Calculate the required income for a mortgage
Estimate the minimum down payment you need
Calculate the maximum mortgage you can afford
Estimate Location specific Closing costs
Testimonials
Matthew Gray
Dec 3 2024
Larry was a big help all the way through on our home purchase. Being self employed there were a few obstacles that he helped navigate through and got us approved for more then we asked for. Will highly recommend to anyone in the future.
Clare Stewart
Dec 21 2023
Larry was an absolute pleasure to work with. He was extremely knowledgeable and well versed in the process of buying a new build. His solid reputation and relationships gave me the confidence to know that I was receiving the best rate and terms for my mortgage. You are in good hands with the Larry and team at City Centre Mortgages
Zain Syed
Jun 16 2022
Larry was an absolute pleasure to work with. He was extremely knowledgeable and well versed in the process of buying a new build. His solid reputation and relationships gave me the confidence to know that I was receiving the best rate and terms for my mortgage. You are in good hands with the Larry and team at City Centre Mortgages
Tarandeep Raina
Apr 14 2022
Larry was an absolute pleasure to work with. He was extremely knowledgeable and well versed in the process of buying a new build. His solid reputation and relationships gave me the confidence to know that I was receiving the best rate and terms for my mortgage. You are in good hands with the Larry and team at City Centre Mortgages
Chris Mitchell
Sep 16 2021
Larry has been exceedingly helpful to me in managing my various mortgages over time. Some of the situations have been complex with tight timelines. Not only has he delivered very strong, competitive results in a reliable way but he adds the personal touch that so many of us look for when selecting business partners. Recently, I had renewal questions and Larry leveraged his extensive knowledge to inform so I got the right rate at the right time...this was simply time out of his day to help me out.
Jason Sirrard
May 6 2021
I need more Stars!! (5 is not enough). We have had the privilege to be a client of Larry Heran for the past five years. Since our entry in the real estate market in 2015 Larry has been with us every step of the way.
I remember how stressful our first purchase was, Larry was very patient and helpful to answer the endless questions we had. Larry did not only make our first close feel effortless but he also provided great advice on how we could strengthen and solidify our financial situation at that time.
Well, I am happy to share that with his guidance and knowledge of the industry we have just closed our fourth purchase in November 2019, all of them with Larry of course. If you are lucky enough to work with Larry on any real estate transaction, rest assured every angle will be covered.
Larry, I cannot thank you enough for your advice, shared knowledge and hard work throughout the years. Looking forward in doing business with you again in the future.
From the Sirard Family :-)
David Hutton
Jan 3 2020
We had the pleasure of working with Larry to find and finalize our first mortgage. He was a true professional from start to finish. Clear and constant communication was appreciated as this was our first. Not only that but we also received a great mortgage rate and the payment frequency we wanted. I highly recommend Larry and his team.
Amar Dusanj
Jun 13 2019
Larry has been exceedingly helpful to me in managing my various mortgages over time. Some of the situations have been complex with tight timelines. Not only has he delivered very strong, competitive results in a reliable way but he adds the personal touch that so many of us look for when selecting business partners. Recently, I had renewal questions and Larry leveraged his extensive knowledge to inform so I got the right rate at the right time...this was simply time out of his day to help me out.
Aimee Mahngher
Apr 19 2019
Larry helped me with my first home and I'm glad it was him. I came out very knowledgable and confident! Thanks Larry 🙏
Billy Cobb
Mar 8 2019
Larry has been exceedingly helpful to me in managing my various mortgages over time. Some of the situations have been complex with tight timelines. Not only has he delivered very strong, competitive results in a reliable way but he adds the personal touch that so many of us look for when selecting business partners. Recently, I had renewal questions and Larry leveraged his extensive knowledge to inform so I got the right rate at the right time...this was simply time out of his day to help me out.
Matthew Gray
Dec 3 2024
Larry was a big help all the way through on our home purchase. Being self employed there were a few obstacles that he helped navigate through and got us approved for more then we asked for. Will highly recommend to anyone in the future.