MICs + institutional private

Centurion Asset Management mortgage review — a broker's perspective

Operator of Centurion Apartment REIT and Centurion Mortgage Investment Corporation. Active in multifamily commercial mortgages and apartment-building real-estate investment across Canada.

Founded: Founded 2009
Headquarters: Toronto, ON
Products: 3 product types
Tier: MICs + institutional private
Broker licence: FSRA #13737 broker

Start Pre-Approval See live rates 4.9 ★★★★★ Google Centurion Asset Management website

Reviewed by Mortgage Squad Advisors Editorial Team · Licensed Mortgage Advisors · Reviewed by the Principal Broker

FSRA Brokerage #13737 · 15+ years · Last reviewed May 13, 2026

Where Centurion Asset Management stands out

Who is Centurion Asset Management good for?

Centurion Asset Management suits short-term bridge (6-18 months) while we map an A or alt-A exit and CRA debt / writ / lien that must be paid before a bank will fund. It is strongest on: Multifamily commercial, Apartment-building debt, Construction financing, REIT + MIC structure.

Strong fit for

Short-term bridge (6-18 months) while we map an A or alt-A exit
CRA debt / writ / lien that must be paid before a bank will fund
Power-of-sale rescues with equity but no income proof
Equity take-out where banks decline due to credit or income

Probably not the right fit if

Borrowers without a clear exit plan to A or alt-A
Files where the equity cushion is thin (under 25% home equity)
Long-term holds — private is bridge debt, not a 5-year solution

Not sure where your file fits? Start a free pre-qualification and we’ll check your fit across 99+ lenders — no credit check to begin.

Overview

What kind of lender is Centurion Asset Management?

Centurion Asset Management sits within the mics + institutional private tier of Canada's mortgage market. Regulated mortgage investment corporations. Active in commercial bridge, construction, and mid-market private.

Working across 99+ Canadian lenders, our brokerage knows Centurion Asset Management's underwriting appetite — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. Centurion Asset Management is institutional private capital with proper compliance and transparency — used as a bridge while we map your file's exit to A or alt-A.

Live rate context

Centurion Asset Management rate context — May 13, 2026

We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets). Here is today's market context for mics + institutional private pricing. Your exact Centurion Asset Management rate depends on your file, term and insurance.

Private 1st mortgage

7.49% – 9.99%

Private 2nd mortgage

9.99% – 12.99%

Typical term

6 – 18 months

Fees disclosed

Always in writing

Full live rate board Get your exact rate

Product menu

What mortgages does Centurion Asset Management offer?

Centurion Asset Management funds 3 mortgage types. We can access its full broker-channel menu.

Commercial
Multifamily
Construction

Commercial mortgage Multi-family Construction

Bank direct vs broker channel

Should you go to Centurion Asset Management directly or use a broker?

Centurion Asset Management sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of Centurion Asset Management. We’re an independent FSRA-licensed brokerage that sends your file to Centurion Asset Management when it’s the best fit — and to a different lender when it’s not.

Going direct to Centurion Asset Management vs. through us

Aspect	Direct with Centurion Asset Management	Through Mortgage Squad Advisors
Rate sheet	Broker-channel only — no direct retail access	Direct broker-channel access — our day-one cost
Lenders shopped	Just Centurion Asset Management	99+ lenders incl. Centurion Asset Management
If declined	Application ends; reapply elsewhere	Re-route to next-best lender same day
Cost to borrower	$0 — bank pays its own staff	Disclosed up front (private/alt files only)
Underwriting strategy	Centurion Asset Management's lens only	We structure your file to Centurion Asset Management's preferences before submission
Renewal benchmarking	Centurion Asset Management sends a single offer; you accept or counter	We benchmark across 99+ lenders 120 days before renewal

Same Centurion Asset Management loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.

How we work with Centurion Asset Management

Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
Match
We compare your file with 99+ lenders, not just Centurion Asset Management. If Centurion Asset Management fits best, we go there.
Submit
We send a full package to Centurion Asset Management's broker desk, set up the way their underwriters like it.
Funding
Approval, conditions, lawyer, funding. We manage every step.

Alternatives

Other mics + institutional private we shop alongside Centurion Asset Management

Same tier, often similar rates. We compare Centurion Asset Management with these every time.

VWR Capital Corp

BC + Alberta coverage

Capital Direct Lending

Commercial bridge financing

KingSett Capital

Multifamily commercial

Timbercreek Financial

Commercial bridge financing

By city

Centurion Asset Management mortgage broker — major Canadian cities

We place Centurion Asset Management files across Canada. Pick your city for local market context.

Toronto Vaughan Mississauga Brampton Markham Oakville Richmond Hill Burlington

Don’t see your city? Browse all Canadian markets — we lend nationally.

FAQ

Centurion Asset Management — common questions

Don’t see yours? Ask Maya.

What are Centurion Asset Management's current mortgage rates in Canada?

Centurion Asset Management's rates change daily and are channel-specific — branch rates differ from broker-channel rates. As a brokerage we access Centurion Asset Management's broker-channel sheet, typically 15-30 bps below their walk-in rate. Our live rate board (last reviewed May 13, 2026) shows current best-in-network across 99+ lenders. See our live rate board.

How do I qualify for a mortgage with Centurion Asset Management?

Standard Canadian qualifying: 5%+ down (under 20% requires CMHC/Sagen/Canada Guaranty default insurance), OSFI B-20 stress test at the higher of contract rate + 2% or 5.25%, GDS ≤ 39% and TDS ≤ 44%. Centurion Asset Management's underwriting has specific preferences we know from working with them — we'll tell you whether your file is a strong fit before submitting.

Is Centurion Asset Management a good mortgage lender?

Centurion Asset Management is genuinely strong on: Multifamily commercial, Apartment-building debt, Construction financing. As your broker we evaluate Centurion Asset Management against 99+ other Canadian lenders for your specific file — sometimes they're the best fit, sometimes a different lender is. The honest answer depends on your file profile, not the lender's marketing.

Can I switch to Centurion Asset Management at renewal?

Yes, if your file qualifies. A transfer-in at renewal typically costs you $0 — Centurion Asset Management covers the discharge fee from your old lender and the appraisal as a transfer incentive. We benchmark Centurion Asset Management's offer against your existing lender's renewal rate and the broader market 6 months before renewal so the switch (or stay) is timed properly.

Does Centurion Asset Management work with self-employed borrowers?

Centurion Asset Management focuses on standard A-lender files. For self-employed borrowers we'd typically place at a specialty BFS lender (Home Trust, Equitable, RFA, Haventree) and refinance to Centurion Asset Management once 2 clean NOAs accumulate. See our self-employed mortgages.

How long does Centurion Asset Management take to approve a mortgage?

Centurion Asset Management's commitment turnaround on a clean broker-channel file is typically 24-72 hours from submission. Complex files (BFS, foreign income, atypical down payment) can take 5-10 business days. Conditional approval to funding is usually 14-30 days depending on appraisal, lawyer, and conditions.

What's the difference between Centurion Asset Management branch rates and broker rates?

Centurion Asset Management is broker-channel only — they do not sell mortgages direct to the public, so there is no retail rate to compare against. Their entire pricing comes through licensed brokers.

Does Centurion Asset Management offer pre-approvals?

Yes — Centurion Asset Management, like all major Canadian lenders, offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to Centurion Asset Management for a real underwritten pre-approval, not just a soft rate-hold. This means if rates rise you're locked, and if they fall most lenders honour the lower rate. Start your pre-approval here.

What prepayment privileges does Centurion Asset Management offer?

Most major Canadian lenders including Centurion Asset Management offer 15-20% annual lump-sum prepayment plus 15-20% payment-increase privileges per anniversary year. The exact privilege depends on the specific product family (insured/insurable/conventional) and term selected. We disclose the privileges and IRD calculation method up front so you know your exit cost before you sign.

What if Centurion Asset Management declines my mortgage application?

As a broker we don't single-submit — if Centurion Asset Management declines, we have 98+ other lender options across A-tier, alt-A, MIC, and private. We'll diagnose the decline reason (credit, income, LTV, property type, beacon), fix what's fixable, and re-strategize. A bank decline ends your bank application; with us, it's one route taken off the map and we pivot.

Pillar guides relevant to Centurion Asset Management files

The First-Time Buyer Roadmap

Our most comprehensive first-time-buyer guide. Pre-approval to closing day, the FHSA + RRSP Home Buyers' Plan stack, 30-year insured amortization for first-time buyers, the stress test in plain English, and closing-day costs.

The Renewal Playbook

Your bank's first renewal offer is an opening bid. This playbook covers the 21-day federal notice rule, the lender early-renewal window (often up to 120 days), and how to compare your bank's offer against the market instead of auto-renewing.

The Refinance Decision Framework

Refinancing isn't always a win. This guide gives you the break-even method we use: penalty + fees vs. monthly savings, with three illustrative scenarios (rate drop, debt consolidation, equity take-out).

Related lenders

Same broker. Different lender appetite.

HomeEquity Bank (CHIP)TLG (The Lending Group)CMHC Sagen

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Editorial commitment

This page is an editorial profile written from our brokerage’s perspective. We are not employed by Centurion Asset Management and receive no payment from Centurion Asset Management for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.

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