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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.

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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.


Mike De Sousa

We have all heard this famous line.  It is buried somewhere in our psyche…the question is what does it really mean to you? Especially in the past few years, many Canadians have been teeter-tottering from best of times to worst of times.  

Your job is good and you are paying all of your bills on time.  You have been lucky enough to even pay extra on your mortgage for the last three years.  The 15% increase in payment has moved you that much closer to paying off that mortgage in 20 years instead of 30.  It was the best of times

Enter the unknown.  Your spouse falls ill, your income drops substantially, and the bills start piling up. Before too long you are overwhelmed.  All of a sudden you realize this may be what they are referring to:  It was the worst of times. 

Will this bring you down to a place financially that you do not want to go?

There is a way to avoid financial difficulty before it is too late.  The most common situation we see is people struggling to pay their credit cards, lines of credit and/or car loans when there is sufficient equity in the home to consolidate all those debts. Most people come to us when they start receiving the harassing phone calls (by this time it is too late). 

In most cases, if you pay out your existing debt and lower your payments per month to just your mortgage, chances are you can qualify for that on your reduced income. 

The easiest way to reduce the monthly stress when you are faced with financial hardship is to look at all of your options with a licensed mortgage agent.  If you wait too long, you may be in a situation where the equity in your home cannot help you.  Most lenders will not lend to people with "bruised" credit…so before the late payments start to affect your credit score, look at all of your options. 

The most important thing to stress about debt consolidation is: in times of trouble, try and lower your monthly debt obligations as soon as possible while your credit is still untouched.  This will increase your cash flow and reduce the likelihood of defaulting on your existing debt. 

Keeping your credit clean helps to eliminate any problems in the future.

Thanks for reading!

Mike De Sousa and Mindy Small

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