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FRANCHISE RESALES

Buy a Centum Financial Group Inc. Franchise

Centum Financial Group is one of Canada’s largest networks of independently owned mortgage broker franchises. Federally incorporated in 2002 and franchising since that year, it operates coast to coast and is owned by Charlwood Pacific Group, the family-controlled company behind Century 21 Canada.

The model is built around independent brokerages that trade under the CENTUM brand while keeping local ownership. Member firms arrange residential mortgages for first-time buyers, renewals, refinances, reverse mortgages and self-employed or credit-challenged borrowers, drawing on relationships with major banks and specialist lenders including Scotiabank, TD, First National, Equitable Bank and Manulife.

The network spans more than 200 centres and over 2,200 mortgage professionals, with membership structured in tiers for established brokerages and growing teams. Franchisees work without retail premises or inventory, supported by a flat-fee commission approach and proprietary technology rather than a traditional royalty-heavy structure.

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Why buy a Centum Financial Group Inc. Franchise?

Buying a Centum Financial Group franchise offers entry to an established national brand in a sector tied to one of Canada’s most fundamental needs: home financing. The brand’s scale gives member brokerages access to a broad lender panel, national marketing and a technology stack, including Mortgage Monitor, DirectPay, CENTUM Connect and the broker Portal, that an independent operator would otherwise have to assemble alone.

The ownership model carries low overhead: no retail lease, no inventory and a commission structure designed to let brokers keep more of what they earn. Membership tiers let owners scale from a single team toward a larger regional brokerage, and the parent company’s long record in Canadian franchising adds stability in a market that has proved resilient across rate cycles.

Centum Financial Group Inc. Franchise Costs & Information

  • Minimum Qualifications

    • Initial Investment

      Approx. $100,000 CAD minimum

  • Royalty

    • Royalty Fee

      Varies

  • Training & Support

    • Initial training

    • Ongoing support

    • Marketing support

Centum Financial Group Inc. – Additional  Information

  1. Training & Support

    Franchisees and their agents access CENTUM University, an online training platform with lessons and quizzes written by industry professionals, covering new-agent fundamentals and FINTRAC compliance requirements. Ongoing support spans proprietary technology such as Mortgage Monitor, DirectPay, CENTUM Connect and the broker Portal, a Deal Desk for underwriting and lender support, custom websites, marketing resources and compliance guidance. Resale buyers should confirm what onboarding and CENTUM University access transfer to incoming owners and which staff hold current provincial licensing.

  2. Ideal Owner

    Centum suits sales-oriented finance professionals who hold, or are willing to obtain, provincial mortgage agent or broker licensing. The strongest owners are relationship-driven, comfortable building referral networks with realtors and past clients, and ready to adopt the brand's technology. Day to day the role centres on originating mortgages, recruiting and supporting agents, and maintaining lender and community relationships. Prior brokerage ownership is not required, but mortgage knowledge and a service-focused, compliance-minded approach fit the model best.

  3. Recognition & Awards

    CENTUM was named National Broker Network of the Year at the Canadian Mortgage Awards, most recently in 2024, and took the National Network Award of Excellence at the 2025 Mortgage Awards of Excellence. It has also been recognised twice as Digital Innovator of the Year for its broker technology, with individual member agents earning national production honours. For resale buyers, network-level recognition should be weighed alongside the specific brokerage's local reputation, client reviews and referral strength.

  4. Industry / Market

    Canada's mortgage broker channel is a significant route to home financing, with brokers especially active among first-time buyers and at renewal. The Canadian mortgage and loan brokers market was valued at roughly USD 2.6 billion in 2024 and is forecast to grow at about 4.9% a year into the early 2030s (Verified Market Research). A large wave of pandemic-era mortgages renewing through 2025 and 2026 is lifting demand for broker advice. Affordability pressure and rate movement keep the category cyclical, so local conditions matter to resale buyers.

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