Mortgage broker for London.
London is southwestern Ontario's largest market — accessible detached, Western/Fanshawe student-rental investor activity, and a meaningful healthcare and insurance-employee buyer base.
London's market combines accessible family-detached through Byron, Hyde Park, and Stoney Creek with steady student-rental investor activity around Western and Fanshawe, plus high-end detached in Old North and Old South. Insurance, healthcare, and university employment provides stable income files.
Files we close in London
- →Western and Fanshawe student-rental investor purchases
- →Healthcare, insurance, and university employee files
- →Old North and Old South higher-end detached
- →GTA equity buyers moving to London
- →First-time buyers with accessible pricing
London mortgage services
We offer the full Mortgage Guru lineup in London — every pillar, every program, every niche lender.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
Every program we place in London
Neighbourhoods we serve in London
Student-rental investor files need lenders who underwrite rental properly. We work with the specialty lenders weekly.
London mortgage FAQ
Can you finance London Ontario rental and revenue property?+
Yes. London has strong rental yields and a stable tenant base (Western, Fanshawe, hospitals). We use DCR-based underwriting for portfolio investors.
Do you handle Western University and Fanshawe College student rentals?+
Regularly. London student rentals have some of the highest yields in Ontario. We use lenders that count student rental income (room-by-room or full-house) properly.
What about Old North and Old South heritage / character homes?+
Common. Older London character homes have knob-and-tube and original features. We use lenders that don't auto-flag and handle purchase-plus-improvement financing.
Do you arrange private and second mortgages in London?+
Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in London through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.
Can you set up a reverse mortgage (CHIP / Equitable PATH) in London?+
Yes. London — especially Old North, Old South and Byron — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.
Can you handle a separation or spousal buyout refinance in London?+
Yes, and the structure matters. London has a younger family demographic and we run spousal-buyout refinances regularly under the Sagen / Canada Guaranty Purchase Plus / Spousal Buyout program — which lets the staying spouse refinance up to 95% of the home's value (instead of the standard 80% refi cap) to pay out the leaving spouse. We need a signed separation agreement, an updated appraisal, and clean qualification on one income. We coordinate with your family lawyer on the timing so the title transfer, payout and new mortgage all fund the same day.
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