What is Stewards Canada?
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Private individuals invest their funds into Stewards Canada and earn an investment rate of return. In turn, Stewards invests the funds into mortgages of assembly and church properties, serving the Christian community. By investing in their buildings, local assemblies and churches are able to serve the Lord in their individual communities. Watch our Who We Are video here.
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Stewards Canada has been actively providing financing to Canadian assemblies and churches since January 31,1952. Since then, over 340 churches have received financing assistance. Stewards Canada has assisted churches in all Canadian provinces by taking care in assessing the loan risk and the faithfulness of entities to which we loan funds.
Stewards Canada has no governance or financial ties to any other charity.
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Typical financing is a loan secured with a first mortgage on the property and building. Most mortgage amortization periods are 15 to 25 years. The interest rate charged on mortgages is set periodically by Stewards Canada Board of Directors after considering current and projected changes in mortgage financing markets.
Stewards Canada also provides mortgage financing to churches outside Brethren assemblies. This only occurs when a church agrees with our Statement of Faith, has goals that match our Mission, and when funds are not required by Brethren projects. At all times, Brethren assemblies receive top priority.

OUR MISSION
Investing for Service
We are involved in the Christian community in three ways:
1. Private individuals invest their funds into Stewards Canada and earn an investment rate of return at the same time as they serve the Lord’s work.
2. We are then able to invest the funds into mortgages of assembly and church properties, serving the Christian community.
3. By investing in their buildings, local assemblies and churches are able to serve the Lord in their individual communities.
Click here to review our Statement of Faith.

Let’s Get Started
Meet Joy Gomersall, Executive Director
Joy is responsible for the daily management of all Stewards Canada operations, including business relationships with its investors, borrowers, and third-party service providers.
Growing up in the GTA, Joy attended a Stewards Canada funded church, which ultimately had a profound impact on her upbringing and direction throughout her childhood to adult life. Joy, her husband and two children attend Sanctus Church in Bowmanville. Joy continues to be an active participant and volunteer in various ministries at her church.
Joy graduated from Queen’s University in 2007 and started her career in the banking industry. Joy excelled through roles in sales and service, relationship management, and Branch Management. Following her banking career, Joy transitioned into the Non-Profit Sector, to provide financial, HR and leadership to an anti-human trafficking organization, which was founded by members from her church who had returned from a mission’s trip to India. Joy then spent time with a Toronto firm in the Executive Recruitment industry for charities and non-profit organizations. There Joy provided leadership to a team of consultants to find top talent for Charities and Non-profits and managing the client relationships.
Joy has a passion for local missions, relationships and partnering with what God is already doing around us! Joy is energized by this opportunity to support the local church in practical ways, so they may fulfill their God-given mission. Joy would welcome the opportunity for a conversation with you. Please reach out to her directly: joy@stewardscanada.org.
Meet Karen Warnholtz, Director of Finance and Administration
Karen comes to Stewards Canada with many years in full-time ministry, as well as work in the financial sector early in her career.
Her training and giftedness as a person and leader, and subsequent history of roles in the non-profit sector, make her an excellent addition to our team at Stewards Canada.
Karen is committed to Jesus and His word, participates in the local church and faithfully seeks to grow deeper in Christ. Her kids, their spouses and grandkids bring her great joy and much blessing.
Meet the Stewards.