Mortgages for Waterloo Region frontline workers
We hold verified pay grids for Waterloo Regional Police, Kitchener Fire, Waterloo Fire and registered practical nurses at Grand River Hospital. Four agreements across one region, each read from the document itself and dated.
Working in Waterloo Region
Waterloo Region is one of the few places where we hold a police grid, two municipal fire grids and a hospital nursing grid in the same place, which makes it a useful illustration of how differently the same region pays its frontline.
Places this covers
Kitchener · Waterloo · Cambridge · Woolwich · Wilmot · Wellesley · North Dumfries
Land transfer tax here
Ontario land transfer tax applies on closing. There is no second municipal land transfer tax in Waterloo 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 Waterloo Region
Find yours and see where your rank sits. Checked August 28, 2026.
| Employer | Top of grid | Agreement |
|---|---|---|
| Waterloo Regional Police1st class constable | $123,111 | In force |
| Kitchener Fire1st Class Fire Fighter | $119,632 | In forceExpires Dec 31, 2026 |
| Waterloo Fire1st Class Fire Fighter | $119,632 | In forceExpires Dec 31, 2026 |
| Grand River Hospital CorporationRPN, Step 1 | $35.70 / hour | Past expiry, these rates still applyPast expiry Mar 31, 2026 |
What a frontline wage buys in Waterloo 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.