Why would I not just go to my bank for my mortgage?

There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.  This is one of the most common questions I receive from clients who have never spoken with a mortgage broker before, and there are countless benefits.

First, my mortgage broker services in London, ON are typically free for most clients.  Except for in the most difficult of cases that require alternate lending solutions, lenders actually compensate brokers, not the client.  That's right - I negotiate on your behalf to make sure you have the best option and rate available, and you pay nothing for this service!

When you deal with your bank, you are only presented with the programs, terms and rates from that ONE bank!  What if there are programs that benefit your unique situation available from another lender?  What if another lender is offering better rates?  Without the help of a broker, each bank and credit union you want to 'shop' will require a separate application, meeting, and document set.  How much time do you want to invest in this process?

Mortgage Broker in London, ON

As a licensed Mortgage broker in London, ON, I will shop those very same banks and credit unions (Scotia, HSBC, TD or Meridian, for example), as well as mortgage only lenders known as "monolines"  (First National, Merix, MCAP or RFA, for example), trust companies, and even private lenders. My goal is to find the best mortgage possible for you by reviewing your financial standing, listening to your needs, and then together choosing the best lender and product that you qualify for.

Whether you're purchasing a home for the first time, buying another rental property, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, we only get a chance every 5 or so years to choose the best mortgage product.  Reach out today so you can feel confident in your home loan choice!

I work for you, not the lender!

Mortgage Lender in London, ON

Your home purchase, and by extension your mortgage, is one of the largest and most important financial decisions you will make, which is why I think it's important to know that you're dealing with the best mortgage lender in London, ON.

• I was born and raised in London, ON.  As the father of two amazing, artistic and brilliant daughters, I'm very passionate about this community.  You'll often see me supporting our local teams, festivals and events throughout the city.  I've got a very strong interest in responsible development and getting more housing built to support our communities, which I support in many direct and indirect ways.
• I have been a licensed Mortgage Agent since 2018, but spent the first 20 years of my career leading teams of up to 1000+ employees for a Fortune 100 company.  I built my career around relationships with customers, employees and business partners, and a focus on operational excellence.  This experience, combined with a love for real estate, investing, finance and problem solving help me provide you with industry leading service.
• You won't see me on billboards or park benches.  Proudly, my business is built from Realtors who trust me to serve their clients, and referrals from past clients' friends and families.  And,
• I will call you back!  I will be available to you when you need me.  I will process your application quickly.  I will present every option that you qualify for and makes sense for you.  I will communicate with mortgage lender partners and you regularly until your mortgage is funded.  I'll make sure at every step that you know exactly where your file is at, and that you aren't left wondering about any aspect of the process.

Give me a shout, and tell me a bit about yourself and your situation.  Let's see how I can help.