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Stewards Canada About

Assist our ministry

Increase awareness

If you are aware of assemblies and churches who may need to borrow funds to renovate or enlarge their facilities, please refer them to this website and our Contact page.


Pray for all the assemblies and churches who are growing and using the funds of Stewards Canada. They have taken a step of faith in assuming debt to assist in the growth of their ministries. They need to be supported by prayer as they manage their financial affairs carefully while not compromising their ministry for the Lord.


Donations to Stewards Canada should be sent to the address on the Contact page.


Stewards Canada offers opportunities for individuals to invest in the growth of churches in Canada. Please see Investments for more information. Read more...

How do we use our funds?

Typical financing is a loan secured with a first mortgage on the property and building. Most mortgage amortization periods are 15 to 20 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.

Interested in a Stewards Canada mortgage? Please go to Mortgages page.

What is Stewards Canada?

How it works

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.


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.

Our mission & logo

Our Mission

Stewards Canada mission is “Investing for Service”. This is our visual branding tagline which describes our involvement in the Christian community in three ways. First, 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.

Second, we are then able to invest the funds into mortgages of assembly and church properties, serving the Christian community.

Finally, by investing in their buildings, local assemblies and churches are able to serve the Lord in their individual communities. Investing for Service, private individuals, Stewards Canada and local assemblies are a three-fold cord not easily broken!

Our visual branding

The elements of our visual brand, is a person’s hand brandishing a green olive branch, Stewards Canada name and Mission statement of Investing for Service. Key symbology of the visual branding are:

  1. The green in the branch signifies growth, alluding to our interest in growing both Brethren assemblies and Christian evangelical churches and in fostering investment growth for individual investors.

  2. The olive branch held by a hand signifies peace, hope and care. You may recall that Noah and the other inhabitants of the ark saw a dove with an olive branch as they were preparing to exit the ark. God had brought peace and new growth symbolized in the olive branch after a period of destruction on the earth. Hope and newness of life are cornerstone concepts of the gospel that churches bring to their local communities.

  3. Our name, Stewards applies in a dual sense: first, we safeguard and grow the investments of private individuals that are entrusted to our care; and second, we are stewards of our investment of funds into churches and assemblies who intend to improve or build new facilities to proclaim Christ in their neighbourhoods. We are reminded “it is required of stewards, that they be found trustworthy” (I Corinthians 4:2).

  4. The Canada in our name reflects that our sphere of service is limited to Canada. We are not involved in any work outside Canada’s borders and as a charity, we are registered only in Canada.

  5. Our tagline “Investing for Service” reflects our investment and service philosophy in three areas, as explained in Our Mission above.

Statement of faith


The mission of Stewards Canada is summarized in its tagline “Investing for Service” which includes serving evangelical Christian churches and para-church organizations with mortgages and investment bonds, assisting with the spread of the gospel. The Statement of Faith outlines what we believe the Bible teaches regarding essential doctrines with which Stewards Canada client organizations must be in full agreement.

God the Father:

We believe in one God, creator of all, holy, sovereign, eternal, existing in three equal Persons: the Father, the Son and the Holy Spirit.

Lord Jesus Christ:

We believe in the absolute and essential deity of Jesus Christ, in His eternal existence with the Father in pre-incarnate glory, in His virgin birth, sinless life, substitutionary death, bodily resurrection, triumphant ascension, mediatorial ministry and personal return.

The Holy Spirit:

We believe in the absolute and essential deity and personality of the Holy Spirit, who convicts humanity of sin and who regenerates, sanctifies, illuminates and comforts those who believe in the Lord Jesus Christ.


We believe that Satan exists as an evil personality, the originator of sin and the archenemy of God and man.


We believe that man was divinely created in the image of God; that he sinned, becoming guilty before God, resulting in total depravity, thereby incurring physical and spiritual death.


We believe that salvation is by the grace of God; that by the appointment of the Father, Christ voluntarily suffered a vicarious, expiatory and propitiatory death; that justification is by faith alone in the all-sufficient sacrifice and resurrection of the Lord Jesus Christ.

The Bible:

We believe the Bible to be the complete Word of God; that the sixty-six books, as originally written, comprising the Old and New Testaments were inspired by the Spirit of God and are infallible, that the Bible is the final authority in all matters of faith and practice and the true basis of Christian union.

Future things:

We believe in the personal, bodily and glorious return of the Lord Jesus Christ; in the bodily resurrection of the just and the unjust; in the eternal blessedness of the redeemed and in the judgment and conscious, eternal punishment of the wicked.

The local church:

We believe that a church is a company of believers, called out from the world, separated unto the Lord Jesus, voluntarily associated for the ministry of the Word, the mutual edification of its members and the propagation of the faith. Believers in a local church practice the ordinances of baptism and communion. 

The Stewards

Joy Gomersall


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:

Becca Adrian


Rebecca Adrian joined the Stewards in 2023. Born and raised in the Kawartha Lakes area she attended Knox Christian school and was baptized at 16. Rebecca attended the Ontario Tech University and obtained her Hons Bachelor of Commerce with a focus in accounting. She subsequently obtained her CPA, completed CPA Ontario’s three year In Depth Tax program and now works as a domestic tax specialist at Grant Thornton LLP. Rebecca has served on several Boards including the Kawartha Wildlife Centre and Peterborough Regional Health Centre. She lives in the Kawartha Lakes area with her husband and son and attends Bethel Evangelical Missionary Church in Lindsay Ontario.

Mark Cretney


Born and raised in Ajax, Mark Cretney came to know the Lord at a young age while attending ForestBrook Bible Chapel (Pickering). Mark graduated from Queen’s University in 2005 with a BA. Mark and his wife Alanna were married in 2007 and began attending Carruthers Creek Community Church, Ajax (C4). Mark actively served in a variety of roles in Youth Ministries, including teaching, preaching, and small-group leader. Mark, Alanna and their three children – Daniel (7), Madelyn (4) and Sam (2) – recently moved to Cobourg and are attending Fellowship Baptist Church. Since graduating Mark has worked in a number of different roles within Capital Markets. Mark worked on a Retail Trading desk covering a wide range of products including Equities, Bonds and FX, and the markeplace regulator, IIROC, before moving to a large Canadian bank where he currently works in the Finance Department supporting Capital Markets. Mark is currently pursuing his CPA.

Terry W. Cretney


Terry Cretney joined the Stewards Canada Board of Directors in 2015. Terry was born in Belleville, Ontario and accepted Christ as his Saviour when he was 19 years old while attending university. His career has taken him to a variety of cities across Canada and so, he has fellowshipped at Belleville Bible Chapel, Union Street Gospel Chapel (Kingston), Rideauview Bible Chapel (Ottawa), Faith Gospel Chapel (Toronto), Devine Street Gospel Chapel (Sarnia); Shoreacres Bible Chapel (Burlington); Bethany Chapel (Calgary); Brockview Bible Chapel (St. Catharines) and Forest Brook Bible Chapel (Ajax). Terry has served in a variety of ministries including Sunday School teacher, speaker, treasurer, Awana youth leader and, for over 25 years, as an elder at Forest Brook, many of those years as chair of the board. He has previously served as a board member for Scripture Union, as registrar for a youth conference held for a number of years in Port Hope, has been active in the Billy Graham crusade in Calgary and assisted in fundraising activities for the Franklin Graham Festival of Hope in Toronto. Terry graduated from Queen’s University in 1972 with an Honours Bachelor of Commerce degree. He has completed the Canadian Securities course and is a retired CPA, CGA. He has held a variety of positions in accounting and finance including auditor, accountant, chief financial officer and, for the last 20 years of his career, treasurer for HSBC Financial Corporation Limited and chair of the company’s pension committee. His work in the financial markets has made him knowledgeable in monetary policy and the Canadian economy. Terry has been married to Diane since 1975 and they have four grown children. Terry and Diane retired in 2012 and currently reside in Port Hope, ON. They currently attend Fellowship Baptist Church in Cobourg.

David DiMarco


David DiMarco joined Stewards Canada as a Director in October 2014. David was born, raised and has lived his entire adult life in the Greater Toronto Area. David trusted Christ as his Saviour at age 18 and shortly thereafter was received into the fellowship of the Mimico Gospel Hall (today known as Applewood Gospel Hall) where he was active in the children’s ministries. He also served as the assembly treasurer for a number of years before he moved with his family to the Milton Gospel Hall. He continues to be active in that assembly and in its prison ministry. David is the treasurer of Joy Bible Camp, Bancroft ON and was director at Elim Homes, Waubaushene ON. David graduated from The University of Toronto in 1979 with a Bachelor of Commerce and four years later earned his Certified Management Account designation. He is now retired from his position as Director of Finance at the Salvation Army National Recycling Operation after many years of service. That organization operates over 100 Salvation Army Thrift stores across Canada. David is now retired from his position as Director of Finance at the Salvation Army National Recycling Operation after many years of service. David and Donna have three adult children and two grandchildren and live in Mississauga.

Matt Nero


Matt joined the Stewards Canada Board of Directors in 2023. Matt grew up in Guelph, Ontario and came to know the Lord at a young age. Matt and his wife Katelin were married in 2015 and after three years living in Milton, Ontario moved back to Guelph and started attending Grace Community Church. Matt and Katelin have two boys: John-Michael (3) and James (1). For his undergraduate studies, Matt attended Wilfrid Laurier University and received his Bachelor of Business Administration in 2011. After post-secondary school, Matt began a career in public accounting working with a variety of clients in audit, assurance and advisory services. Matt obtained the CA, CPA designation in 2014. After eight years in public accounting, Matt moved to the real estate industry and is currently working at a regional property developer in Waterloo, Ontario as Chief Financial Officer.

Doug Stubbs


Mark Vanderpol


Mark was born in London, Ontario and came to know the Lord at a young age while attending Maranatha Canadian Reformed Church (Surrey). Mark graduated from McMaster University in 2007 with a Bachelor’s Degree in Economics, and a Master’s in Business Administration in 2011. Mark is also a Chartered Professional Accountant (CPA CMA). Mark and his wife Lauren were married in 2012, at that time attending Burns Presbyterian Church in Ashburn, Ontario. Mark actively served as Treasurer, in Sunday School, and in Youth Ministry. Mark, Lauren, and their three children are currently attending Forest Brook Community Church (Ajax). Since graduating Mark has worked in a number of different financial and management roles in a variety of industries. Mark worked at Aecon supporting financial functions from Acquisitions and Budgeting, to Strategic Project Finance and Shared Services Management. From there Mark transitioned into a Sr. Director role at Anthem Entertainment supporting its Finance and Administration Teams. Currently Mark is a leader in the Finance function at Hope and Healing International supporting their vision to value everyone as Jesus values them.
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