Mortgages for Niagara Region frontline workers
We hold verified pay grids for Niagara Regional Police, Niagara Paramedic Services, St. Catharines Fire and Welland Fire. Four agreements across one region, each read from the document itself and dated.
Working in Niagara Region
Niagara covers a police service, a regional paramedic service and separate municipal fire departments, so three people in the same household can each be paid under a different agreement.
Places this covers
St. Catharines · Niagara Falls · Welland · Grimsby · Lincoln · Fort Erie · Port Colborne · Thorold
Land transfer tax here
Ontario land transfer tax applies on closing. There is no second municipal land transfer tax in Niagara Region, which is charged only inside the City of Toronto. First-time buyers can claim the provincial refund. What a purchase costs to close
Pay grids in Niagara Region
Find yours and see where your rank sits. Checked August 28, 2026.
| Employer | Top of grid | Agreement |
|---|---|---|
| Niagara Regional Police1st class constable | $115,969 | In force |
| Niagara Paramedic ServicesAdvanced Care Paramedic, Step 3 | $47.16 / hour | In interest arbitrationPast expiry Sep 28, 2023 |
| St. Catharines FireFirst-Class Firefighter | $123,214 | In forceExpires Dec 31, 2026 |
| Welland FireFirst Class Firefighter | $123,214 | In forceExpires Dec 31, 2026 |
What a frontline wage buys in Niagara Region
An estimate, not an approval. Send it over and we will confirm it against your own stubs.
Ask Jeff and EmilyHow your pay gets read
Other regions
Already have a mortgage
Rate and balance are on your renewal letter or your online banking. We will read the rest of it with you.
Have us check it
Mudrick Mortgages, BRX Mortgage Inc.
Newmarket, Ontario. Serving Ontario.
Buying or renewing in Ontario?
Book a call, or send us your grid and we will come back with the number.