Buy with Confidence with a Top Mortgage Broker in London Ontario
From condos to commercial spaces, our Mortgage Broker in London Ontario offers the right solutions to match your goals.
Reliable Mortgage Broker in London Ontario for Home and Business Financing Needs
Getting a mortgage can feel tricky, especially with so many options out there. But it doesn’t have to be.
At AJP Mortgage, we make it simple. We work with over 40 lenders, so you’re not stuck with just one bank. You get more choices, better rates, and a mortgage that actually fits your needs.
Whether you’re buying your first home, moving up, or refinancing, we’re here to help. We explain everything in plain language and guide you every step of the way.
We also know London. We understand the local market and what lenders look for here, so your application is in good hands.
You can chat with us online, over the phone, or meet in person, whatever’s easiest. With AJP Mortgage, you’re not doing this alone.
Quick London Market Pulse
Quick market insights so you can plan with confidence.
- Detached homes in London are averaging around $720,000
- Townhomes are selling for about $560,000
- Condos are sitting near $400,000, making them a top pick for first-time buyers
- Inventory is rising in 2025, giving buyers more choice and creating more balanced conditions
- This is a good time to explore pre-approvals or rate holds while the market stays steady
- Homes are staying on the market slightly longer, giving buyers more time to make decisions
- Sellers are more open to negotiation, especially on closing dates or minor repairs
- New construction projects are adding more supply, especially in the outskirts and newer suburbs
- Interest rates have stabilized, bringing more predictability to mortgage planning
- London’s rental demand is also growing, pushing more renters to consider buying instead
- First-time buyers are returning, especially with better options and improved affordability
- Investors are eyeing multi-unit properties, with strong demand for student rentals near Western and Fanshawe
Our Core Services in London Ontario
Our core services in London Ontario are designed to get you the best rates and the right mortgage for your goals.
Home Purchase Loans
We offer fast pre-approvals with a 120-day rate hold, helping buyers stay ahead in a competitive market. Other local brokers often highlight 24 to 48-hour response times, and we’re right there with them.
Renewal Planning
Our renewal service includes no-cost switches and detailed penalty reviews, something rarely promoted by other brokers in the area but incredibly valuable for homeowners looking to save.
Refinance & Debt Consolidation
Clients can access up to 80 percent of their home’s equity, with a smooth digital signing process. This aligns with the growing trend of refinance-focused brokers offering flexible, tech-friendly options.
HELOC (Home Equity Line of Credit)
We provide interest-only flexibility and the ability to re-borrow as needed, modeled on the low-rate HELOC structures that have become popular among online lenders.
Self-Employed & New to Canada Mortgages
Our team understands non-traditional income, offering tailored programs for business owners and newcomers. This approach is similar to what niche-focused brokers are doing to support more diverse clients.
Private & Second Mortgages
We help clients unlock equity quickly for urgent or unconventional situations. These solutions are a major focus for brokers who handle tough-to-place files in today’s market.
Commercial & Construction Financing
We combine real estate and lending guidance into one point of contact, using a broker-realtor model that simplifies the process for commercial, land, or new-build financing.
Why Choose AJP Mortgage in London Ontario
Looking for expert advice and a smooth process? AJP Mortgage has you covered.
- We know the London market inside out, from neighbourhood trends to lender preferences.
- We compare rates daily across 40+ trusted lenders, giving you real-time options.
- Our advisers are salary-based, so you get honest guidance without sales pressure.
- Your documents stay safe with our secure, Salesforce-powered digital vault
- We offer a Lowest Rate Promise – if you find a better written offer, we’ll match it or credit you $500
- With Post-Close Rate Watch, we’ll automatically check for rate drops right up to funding day and lock in savings
- Join our free monthly webinars made for first-time buyers and enjoy local perks with lawyers, movers, and more
What Makes Us Different Than Other Brokers?
We’re not here to rush you through a process. We’re here to guide you, answer your questions, and make sure you feel confident every step of the way.
Local Expertise
You get advice from someone who truly knows the London market, from neighbourhoods to lender expectations.
We Negotiate for You
We handle all lender communication, compare offers, and negotiate the best rate and terms for you, so you can skip the hassle.
Fast and Available
Quick email replies and support seven days a week mean you always have answers when you need them, so nothing slows down your mortgage process.
Secure and Simple
Our encrypted client portal makes it easy to upload documents and stay on top of your application.
Trusted with Complex Cases
We’ve helped clients with self-employment, credit issues, and unique situations get approved with confidence.
Support Beyond Closing
Even after your mortgage closes, we’re here with rate checks, renewal reminders, and equity reviews.
London Neighborhood Insights
Discover What Makes London’s Communities Stand Out.
- Old South: One of London’s most loved areas. It’s cozy, full of charm, and close to downtown. Great if you like older homes and walkable streets.
- Byron: A quiet, family-friendly neighbourhood with parks and trails. Lots of space and a strong community feel.
- Masonville: Close to Western and big shopping centres. A solid pick for students, renters, and smart investors.
- East London: More affordable and growing fast. A great option for first-time buyers and people looking for future value.
- Westmount: Peaceful and well-established with big yards and mature trees. Perfect if you want space and quiet.
- Downtown Core: Right in the middle of everything. Walkable, busy, and full of condos, cafes, and city energy.
- Stoney Creek: Clean and modern with great schools nearby. Super popular with families.
- Fox Hollow: A newer area with big homes and wide streets. Ideal for families ready to upgrade or grow.
Our Simple Eight Step Process to Stress-Free Mortgages
Getting a mortgage doesn’t have to be complicated. Our easy eight step process keeps things clear, smooth, and stress-free from start to finish.
Discovery Call
We commence with a brief 15-minute consultation to understand your budget, objectives, and timeline. This initial discussion ensures that all subsequent advice and actions are tailored to your needs.
Document Collection
Clients securely upload required documents via our digital portal. This paperless approach eliminates printing and mailing, and ensures a smooth initiation of the process.
Instant Digital Pre-Approval
After a single credit inquiry, we provide a prompt pre-approval. This confirms your borrowing capacity and sets clear parameters for property search and planning.
Rate Shopping
We compare live rates and terms from over 40 banks, credit unions, and private lenders, evaluating term length, payment flexibility, and prepayment options to find the best match for your financial objectives.
Tailored Advice
We present each financing option clearly, explaining benefits and considerations so you can make informed decisions with confidence.
eSigning and Closing
All documentation is executed electronically via phone or computer. We coordinate with your lawyer and realtor to ensure a seamless closing process.
Post-Approval Rate Check
Should a more favourable rate become available prior to closing, we automatically secure it on your behalf to maximize your savings.
Life of Loan Support
After closing, we stay in touch with equity reviews, renewal reminders, and mortgage check-ins to help you keep your financing on track.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What credit score do I need in London?
Most lenders prefer a score of 620 or higher. If your score is lower, there are still options available and we’ll help you find the best fit.
How much down payment is typical here?
Many buyers start with 5 percent. For homes over 500,000, you’ll need a bit more. We’ll walk you through what works best for your price range.
Can I break my mortgage early?
Yes, you can. There may be a penalty, but we’ll explain the cost and help you decide if it’s worth it.
How does a private mortgage work?
Private mortgages are short-term and based more on your home’s equity than your income. They’re helpful when traditional lenders aren’t an option.
Will a broker hurt my credit score?
Not at all. We only do one credit check and use that to compare multiple lenders, so your score stays protected.
What paperwork do I upload to the secure portal?
You’ll need ID, proof of income like pay stubs or tax documents, and a few bank statements. Everything is kept safe in our encrypted system.
Out of 5
What Our Clients Say
Lower Rate and Support Every Step of the Way
Andrew found us a rate half a percent lower than our bank and answered every question with patience.
Sarah Williams
Fast Turnaround in a Tight Market
Smooth closing even in a tight market, with full approval and funds transferred within three weeks. Everything was handled efficiently from start to finish.
Raj Sharma
Made My First Purchase Easy
As a first-time buyer, I had no idea where to start. Andrew explained everything, got me approved fast, and even helped me connect with a great lawyer.