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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.

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

Government Changes Mortgage Options for London, Ontario

Mike De Sousa

It was talked about, debated over and then enacted, all within a few weeks, but the Government of Canada decided that protecting the hot housing market was needed.  I like the changes!

I have always thought that refinancing a mortgage is part of a bigger problem and that is managing cash flow inefficiently!  Now, if you want to consolidate your debts into one mortgage payment, you can only get 90% of the value of your home and not the 95% that was in place.

All borrowers will now have to be qualified based on the 5 year fixed rate, despite what term they are taking.

Finally, anyone who is buying a non-owner occupied property will need 20% down payment.

These are good changes!  Let's keep perspective here and look at what was happening: There are numerous seminars teaching vulnerable consumers how to buy rental properties using no money down techniques;  All sorts of banks and mortgage brokers have been trying to convince their clients to refinance their debt every 2-3 years; and banks are telling their customers that variable is the way to go because it's cheaper!

Thanks for reading!

Mike De Sousa and Mindy Small

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