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August 2026
London, Ontario — Daily Update
Compare Today's Mortgage Rates
As of October 14, 2026
Bank of Canada overnight rate 2.25%, prime 4.45%
TermFixed RateVariable Rate
2-Year
Fixed
4.24%
Big 6 Bank
Variable
—
3-Year
Fixed
4.34%
Meridian Credit Union
Variable
3.84%
Canadian Lender
5-Year
Fixed
4.34%
Canadian Lender
Variable
3.44%
Meridian Credit Union
Rates shown are for insured mortgages (down payment under 20%). Conventional/uninsured pricing may differ — contact me for your exact rate.
Rates are illustrative, change daily and are subject to lender qualification. Source: Ratehub.ca public rate table, as of October 14, 2026.
Mortgage Agent Level 1 · London, St. Thomas, Ingersoll & Southwestern Ontario
Mortgage Agent in London, Ontario
Mortgage Solutions for London, St. Thomas & Southwestern Ontario
Looking for a mortgage broker in London, Ontario? Nandan Bajani helps homebuyers and homeowners in London, St. Thomas, Ingersoll and surrounding Southwestern Ontario communities navigate their mortgage options with clear, personalized guidance.
50+ lenders compared, one point of contact.
Your Pathway to Homeownership.
Nandan Bajani · The Mortgage Firm Inc. · FSRA Licensed+ 50 more lenders
MBA-Backed Analysis
Numbers-driven mortgage guidance informed by an MBA in Finance and explained in clear terms.
50+ Lenders Compared
Your application is matched across banks, credit unions, monolines and alternative lenders.
Independent Guidance
Advice centred on your goals, with lender trade-offs explained before you decide.
London Market Focus
Local mortgage insight for homebuyers and homeowners across London and Southwestern Ontario.
Meet Your Mortgage Agent
Nandan Bajani — guiding you home.
Mortgage Agent Level 1 | Ontario · The Mortgage Firm Inc.
Not just finding a rate — finding the right mortgage strategy. I help homebuyers, homeowners and investors across London, St. Thomas, Ingersoll and Southwestern Ontario make informed mortgage decisions. Whether you're buying your first home, refinancing or renewing, I'll walk every step with you.
50+
Lender Network
MBA
Finance
Local
Guidance
Mortgage Services
Mortgage Help for London Homebuyers & Homeowners
Straightforward explanations of how each option works in London, Ontario — what lenders look at, what it costs, and when it isn't the right fit.
Mortgage pre-approval in London
How pre-approvals work, what lenders review, and how long yours holds.
Learn moreFirst-time home buyer mortgage in LondonPrograms, incentives and a clear path from saving to keys in hand.
Learn moreMortgage renewal in LondonCompare your renewal offer against the market before you sign.
Learn moreMortgage refinancing in LondonRestructure your mortgage to lower costs or free up funds.
Learn moreHELOC in LondonUse your home equity for renovations, debt or other goals.
Learn moreSelf-employed mortgage in LondonHow lenders assess business income, statements and write-offs.
Learn moreInvestment property mortgage in LondonFinancing for rental purchases and growing your portfolio.
Learn moreNewcomer mortgage options in LondonPrograms that accept alternative credit history and shorter files.
Learn moreMortgage options with credit challengesPaths to approval when past credit issues get in the way.
Learn moreDebt consolidation mortgage in LondonRoll high-interest balances into one manageable mortgage payment.
Learn morePrivate mortgage lenders in LondonEquity-based lending when the banks say no to your file.
Learn moreWhere I Work
Serving London Neighbourhoods
Property type changes the file: century homes in Old North, new builds in Hyde Park and Lambeth, condos near Masonville. Mortgage services are provided remotely and in person; there is no branch office in these locations.
Byron
Established family homes in the southwest, popular with move-up buyers.
LambethNewer subdivisions and larger lots at the southwest edge of the city.
Old NorthCentury homes where wiring, insurance and appraisal details matter.
MasonvilleNorth-end condos and townhomes near Western and the Masonville area.
Hyde ParkNewer builds in the northwest, often with builder closing timelines.
WestmountMid-century family homes and solid entry points in south London.
Also serving St. Thomas · Ingersoll · Strathroy · Woodstock · Tillsonburg · Aylmer · Dorchester · Komoka · Thamesford — and clients across Ontario remotely. View all service areas
How It Works
Our Simple 4-Step Process
A clear path from first chat to approval — no surprises.
1
Conversation
We start with a free, no-pressure chat to understand your goals and situation.
2
Documents
I'll guide you through a simple checklist — no jargon, no surprises.
3
Application
I compare options across 50+ lenders.
4
Quick Approval
Approval delivered on time, with clear next steps to closing.
Ready to unlock the door to your dream home?
Get a free, no-obligation consultation today.
Questions
London Mortgage FAQs
What does a mortgage agent in London, Ontario do?
A licensed mortgage agent reviews your income, credit, down payment and property, compares options across a network of lenders, submits your application and manages the file through to funding with your lawyer and lender. I'm licensed by FSRA as a Mortgage Agent Level 1 (M25002951) with The Mortgage Firm Inc., Brokerage Licence #13466.
Is a mortgage agent the same as a mortgage broker?
In Ontario they are distinct FSRA licence classes, though both arrange mortgages through licensed brokerages and multiple lenders. In everyday conversation the terms are used interchangeably.
Do I pay a fee to work with you?
On standard residential files placed with lenders that pay a finder's fee, there is no fee to you. Some alternative or private lending arrangements involve fees — those are disclosed in writing before you commit to anything.
What are the closing costs when buying a home in London, Ontario?
Budget for Ontario land transfer tax, legal fees and disbursements, title insurance, a home inspection, and adjustments for prepaid property taxes or utilities. London has no municipal land transfer tax, so buyers here pay only the provincial amount. First-time buyers may qualify for the provincial rebate.
What should London first-time homebuyers know before applying?
Your down payment needs a documented 90-day history, existing debt payments reduce your maximum mortgage more than most buyers expect, and getting properly underwritten before you shop prevents an accepted offer you can't finance.
How does mortgage renewal work in London, Ontario?
Your lender mails a renewal offer before maturity. You can sign it, negotiate it, or transfer to another lender. Start about 120 days out so a competing lender can hold a rate for you. Switching at maturity generally avoids a prepayment penalty.
Can I refinance my home in London?
Generally up to 80% of the appraised value. Refinancing mid-term usually triggers a prepayment penalty, so the analysis compares that cost against the interest or cash flow you gain.
Do you only work with clients in London?
No. I work with clients across London, St. Thomas, Ingersoll, Woodstock, Tillsonburg, Strathroy and Middlesex, Elgin and Oxford counties, and with clients elsewhere in Ontario remotely.