Mortgages for St. Thomas and Elgin frontline workers
We hold verified pay grids for St. Thomas Police, St. Thomas Fire and the paramedic service operating in Elgin. Three agreements covering the city and the county, each read from the document itself and dated.
Working in St. Thomas and Elgin
St. Thomas runs its own police and fire services while paramedic coverage is organised at the county level, which is a common Ontario pattern worth knowing when you compare offers.
Places this covers
St. Thomas · Aylmer · Port Stanley · Dutton · West Lorne · Elgin County
Land transfer tax here
Ontario land transfer tax applies on closing. There is no second municipal land transfer tax in St. Thomas and Elgin, 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 St. Thomas and Elgin
Find yours and see where your rank sits. Checked August 28, 2026.
| Employer | Top of grid | Agreement |
|---|---|---|
| St Thomas Police1st class constable | $120,459 | In force |
| St. Thomas Fire1st Class Firefighter | $112,442 | Past expiry, these rates still applyPast expiry Dec 31, 2024 |
| Medavie EMS Elgin Ontario Inc.AEMCA (ACP), 24 Months | $46.08 / hour | In forceExpires Mar 31, 2027 |
What a frontline wage buys in St. Thomas and Elgin
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
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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.