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20 Meg Dr
London, ON, N6E 2X9


We have been proudly serving the mortgage and financial needs of individuals in London, Ontario and all across Canada for more than a decade.

Our Blog

Welcome to Our Blog, where you'll find the latest news and gain insight into a variety of mortgage-related topics.

Financial Curve Ball

Mike De Sousa

We recently helped Sara, a client who had been living in her home for a few years with her children. Life was okay in the sense that she was able to pay her regular bills each month on time.

Then "Life" threw a curve-ball at her.  Her car broke down and her 18 year old just went off to the University in Toronto.  If that wasn't enough financial pressure, her younger child needed braces and she started thinking about her 16 year old who would soon need education money for post secondary schooling.

Our client only had 2 credit cards, but the minimum payments were barely covering the interest!  Life seemed to be taking a dire route.

After an initial consultation, we were able to show Sara that she had several options to reduce the interest she was paying and increase her cash flow.

Real estate in London and area has increased in value an average of 5% per year over the past 10 years which meant that Sara had more equity in her home than she knew.  After carefully reviewing her mortgage rate and penalty, we determined that it made perfect sense to consolidate her payments into one, at a reduced interest rate than she was paying before.

On top of this, the lender we chose offered to pay for her legal fee to do the transaction, so there were no "extra fees", no surprises!  The most amazing revelation that Sara had was that although her existing mortgage had a penalty, she still came out several years ahead on her new amortization and saved thousands in interest!!!  In fact, it would have cost her more money in the long run to keep her mortgage until the maturity date!

Interest rates are at all time lows.  EVERYONE should be taking some time to review their mortgage and see where savings can occur.  Give us a call and see if you could benefit from a mortgage review by one of our team members.....we're here to help!

Thanks for reading!

Mike De Sousa and Mindy Small

Your London, Ontario Mortgage Brokers at Dominion Lending Centres Forest City Funding FSCO# 10671