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TEL: 709.705.6066

Stacked Beach Stones

Mortgage Broker in Newfoundland

Helping You Make Smarter Mortgage Decisions

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Serving clients across St. John’s and Newfoundland & Labrador

with clear, strategic mortgage advice for buying, refinancing, and renewal.

You're Not Just Getting a Mortgage -
You're Building a Strategy
 

Hi, I’m Tonia Mercer, founder of The Mortgage Missus Inc. and a mortgage broker with Premiere Mortgage Centre.

 

With nearly 20 years of experience, I help homeowners, buyers, and investors understand their options and make confident decisions—not just get approved.

 

Whether you’re buying your first home, refinancing to access equity, or reviewing your mortgage at renewal, my focus is on helping you create flexibility and long-term financial stability.

Serving clients across St. John’s and Newfoundland & Labrador.
Tonia Mercer, AMP, Mortgage Broker

We Offer

Unbiased  Support

We represent you to the lenders.
Think of us as your mortgage concierge, providing unbiased support from start to furnish and for the life of your mortgage. 

Experience

With 18 years in the business we know mortgages!

Your unique finances deserve a unique mortgage. 

WE OFFER

Competitive Rates

We get you the best rates available based on your personal finances.  
No haggling guaranteed!

A Team Approach

We have an experienced team of realtors, lawyers, appraisers, home & auto, financial advisors and property managers. 
We can provide the entire team or provide experts to help you fill key roles. 

Credit Protection

We have access to a multitude of banks and lenders. No need to hop from bank to bank risking a decrease in your credit score.
Let us do the hopping! 

Mortgage Monitoring

Our top priority after your mortgage closes is to help you pay less interest over the life of your mortgage. 
We monitor your mortgage regularly and complete annual

mortgage reviews to ensure you are not paying more interest than necessary.

TESTIMONIALS

“Tonia was with me for my first home from day 1. Took me a few years, she was there to guide me and I got there. Even after our family was devastated by a family tragedy she stayed strong and got us where we needed to be. Grateful for her kindness and experience, she won’t steer you wrong.”

—  J.P. Coady  —
 

The Client Experience

ABOUT US

Photo of Tonia Mercer

Tonia Mercer, AMP

Tonia is an accredited Mortgage Broker, digital nomad, avid animal rescuer and health enthusiast.
She is on a mission to educate and help her clients build wealth through real estate acquisition.

Tonia is a Mortgage Broker with
Premier Mortgage Centre
on the far easterly, rugged coast of Newfoundland.

Tonia donates a portion of the proceeds of every mortgage to the animal rescue charity, Mercer's Mission, she created in the Dominican Republic.

Tonia, with 17 years’ experience puts mortgage education front and center in the client’s mortgage journey. She wants you to feel educated, heard and confident about the largest investment in your life.  

Oh, and she loves gifting stays at the
Trinity Beach House to her clients and referral partners, for completed mortgages.

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