Local Mortgage Broker
Mortgage broker in London, Ontario
Helping London buyers, refinancers, and renewers across Ontario. Free service. Same-day pre-approvals. Speaks English, Hindi, Punjabi.
See how Rahul helps buyers across Ontario.
★★★★★ 320+ five-star reviews · NS Broker #3000996 · NB License #260008857 · AB RECA #LIC-00668583 · BC Broker #MB612306 · Ontario License #M26001833 (FSRA) · 50+ lenders · Free service
Licensed in Ontario — License #M26001833 (FSRA). Also licensed in NS, NB, AB & BC.
What to expect buying in London in 2026
London is the largest city in southwestern Ontario with about 425,000 residents, anchored by Western University, Fanshawe College, and London Health Sciences Centre. Detached homes commonly run $575K–$775K across Byron, Masonville, Oakridge, and Hyde Park, with north-end condos and older east-London stock available from roughly $350K — roughly 40% below GTA benchmarks.
That price gap has made London a magnet for Toronto-area families relocating for space, and for investors buying student rentals near Masonville and the Richmond Row corridor. On a typical London purchase, the provincial $4,000 first-time buyer land transfer tax rebate covers a large share — sometimes all — of the tax owing, and there's no municipal second tax the way there is in Toronto.
Rahul is Ontario-licensed (License #M26001833, FSRA) and handles London files remotely — secure upload, e-signed commitments, evenings and Saturdays on Eastern time.
Services we offer in London
First-time home buyers
Down payments, the FHSA, HBP, and getting your offer accepted.
Learn moreSelf-employed mortgages
T1 doesn't tell the whole story. We find lenders who get it.
Learn moreNew to Canada mortgages
PR, work permit, foreign income. Service in English, Hindi, Punjabi.
Learn moreBad credit & complex files
B-lenders, private lenders, and credit rebuild paths.
Learn moreRefinance
Pull equity, consolidate debt, fund a renovation.
Learn moreRenewal
Don't auto-renew. We shop your renewal 4 months out.
Learn moreLocal context that matters
London neighbourhoods we serve
- Byron
- Masonville
- Oakridge
- Hyde Park
- Old North
- Wortley Village
- Westmount
- Stoneybrook
- Riverbend
- White Oaks
- GTA relocation files handled end to end, including bridge financing when sale and purchase dates don't line up.
- Physician, resident, and fellowship income — contract-based medical income placed with lenders that recognise it.
- Student-rental investment properties: rental-income treatment differs sharply between lenders, and we place accordingly.
- Provincial Ontario LTT only, with up to $4,000 back for first-time buyers — often covering the full tax on a London purchase.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
Nearby areas we also serve
What London clients say
“Sold in Mississauga, bought in Byron, and the dates were three weeks apart. Rahul bridged it so we moved once instead of into a rental in between.”
“Second-year resident on a contract and the bank treated me like I had no job. Rahul went to a lender who understands medical income and approved on my actual earning path.”
Why London homeowners choose Rahul
- Licensed in Ontario (License #M26001833, FSRA) — fully credentialed for London mortgages.
- Relocation and bridge financing handled so a date mismatch never costs you the house.
- Physician, resident, and contract medical income placed with lenders who recognise it properly.
- Student-rental and investment files matched to lenders with workable rental-income treatment.
- Free, lender-paid service across 50+ lenders — evenings and Saturdays available.
FAQ
How much land transfer tax will I pay in London, Ontario?
Only the provincial Ontario Land Transfer Tax — London has no municipal land transfer tax. On a $600,000 purchase that's roughly $8,475, and first-time buyers can claim up to $4,000 back, cutting it to about $4,475 in cash on closing.
Can you finance a student rental near Western or Fanshawe?
Yes. Student rentals are financeable, but lender appetite varies a lot — some cap the number of unrelated tenants, some treat per-room leases differently from a single lease, and rental-income percentages differ. Bring the lease structure and we'll match it to a lender that works.
Do you work with physicians and residents?
Regularly. Several lenders have specific programs for physicians, residents, and fellows that look past a short employment history and contract-based pay to the actual earnings trajectory. That's usually a much better outcome than a branch application.
I'm relocating from the GTA — can you handle both ends?
Yes. If your sale closes after your purchase, bridge financing covers the gap so you're not forced into a rushed sale or a temporary rental. We arrange the bridge and the mortgage together as one file.
Are you actually licensed in Ontario?
Yes — Ontario mortgage broker/agent License #M26001833 with FSRA, plus Nova Scotia (#3000996), New Brunswick (#260008857), Alberta (RECA #LIC-00668583), and British Columbia (#MB612306, BCFSA).