Bajani MortgageYour Pathway to Homeownership.

Service Areas

Mortgage Broker Services Across London & Southwestern Ontario

Bajani Mortgage is based in London, Ontario and works primarily with clients in London, St. Thomas, Ingersoll and the surrounding Southwestern Ontario communities — while continuing to serve clients throughout Ontario. Tap any neighbourhood below to reveal a real case study: the client hurdle, the lending strategy and how the approval was secured.

Mortgage services are provided remotely and in person. There is no branch office in the communities listed.

Today's Mortgage Rates

As of September 18, 2026

See the full rate table on your city's mortgage page

Fixed from

4.09%

Variable from

3.40%

Primary Local Markets

Dedicated local mortgage pages for the communities where most of my clients live and buy.

London, OntarioPrimary market — purchases, pre-approvals, renewals, refinancing, HELOCs, self-employed and investment files.View local mortgage page
St. Thomas, OntarioShift and overtime income, older housing stock, commuters and first-time buyers in Elgin County.View local mortgage page
Ingersoll, OntarioOxford County buyers, move-up families, 401 commuters and semi-rural properties with well and septic.View local mortgage page

Middlesex County → LondonPrimary market & home base

Elgin County → St. Thomas + areaCommuters, industrial, shift income

Oxford County → Ingersoll + area401 corridor, semi-rural, well & septic

Also serving Strathroy, Woodstock, Tillsonburg, Aylmer, Dorchester, Komoka, Thamesford and surrounding Southwestern Ontario communities — plus the Ontario-wide neighbourhoods listed below.

Neighbourhoods We Serve

Find your local mortgage playbook

London & Southwest

London hub →
  • Byron mortgage brokerSecuring a mortgage after past business cash flow gaps.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Corporate Cash Flow Reconstruction

      Manually audited 12 to 24 months of corporate bank statements, bypassing a low personal tax assessment to identify true operational cash flow.

    2. 2

      Step 2 · LENDING STRATEGY

      Stated Income Structuring

      Packaged the file under an alternative 'Stated Income' framework specifically designed for self-employed individuals with strong corporate health.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Alternative Lender Match

      Sourced an equity-focused B-lender willing to look past automated credit score algorithms in favor of a strong down payment and steady business performance.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Rebuild-and-Exit Plan

      Structured a flexible 2-year fixed term paired with a concrete credit optimization roadmap to ensure a seamless transition back to a prime A-lender at renewal.

    ✨ Result: Home purchase secured smoothly. Business-owner cash flow accurately recognized and approved.

    Apply Now Enquire Now
  • Old North London mortgage brokerRebuilding financing paths after a major credit dip.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Credit Explanatory Audit

      Conducted a comprehensive audit of a credit bureau damaged by an isolated life event, isolating past delinquencies from current stable income.

    2. 2

      Step 2 · LENDING STRATEGY

      Alternative Equity Mapping

      Formulated an alternative application utilizing a solid 20% down payment to mitigate credit score concerns with risk-managed lenders.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      B-Lender Rate Negotiation

      Hand-delivered the file to specialized alternative underwriters, securing a highly competitive near-prime fixed rate tier.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Future Graduation Blueprint

      Established an active credit rehabilitation program, setting precise targets to graduate the file back to major banks within 24 months.

    ✨ Result: Overcame traditional big-bank rejections to secure a beautiful home while building a path back to prime rates.

    Apply Now Enquire Now
  • Masonville mortgage brokerAlternative lending solutions for self-employed recovery.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Business Recovery Audit

      Documented a clear, upward revenue trend following an economic slowdown, using recent gross business invoicing to prove real financial strength.

    2. 2

      Step 2 · LENDING STRATEGY

      Alternative Asset Framing

      Structured a comprehensive file emphasizing the strength of the local real estate asset alongside an immaculate credit score.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Specialized Sourcing

      Bypassed traditional retail bank channels to target progressive trust companies that specialize in self-employed risk models.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Safe Funding Path

      Issued an unconditional alternative commitment with clean closing parameters, protecting the buyer's corporate capital reserves.

    ✨ Result: Self-employed purchase approved, bypassing traditional personal tax line requirements.

    Apply Now Enquire Now
  • Hyde Park mortgage brokerB-Lender options for buyers with a 580 credit score.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Deep Credit Bureau Clean

      Parsed out old, unrated collections and established a clear path to settle outstanding secondary balances right at the closing table.

    2. 2

      Step 2 · LENDING STRATEGY

      Equity Protection Layout

      Paired a mandatory 20% down payment with a specialized B-lender that prioritizes local property sellability over historical bureau scoring.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Fee & Rate Optimization

      Negotiated an aggressive short-term alternative rate, minimizing upfront lender fees to keep total acquisition costs low.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Firm Closing Execution

      Coordinated a seamless legal closing that paid off old collections, immediately starting the client's credit score recovery.

    ✨ Result: Home secured with a 580 credit score, while simultaneously setting up a major credit score turnaround.

    Apply Now Enquire Now
  • Lambeth mortgage brokerApprovals using equity and 20% down despite bank rejections.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Bank Rejection Triage

      Identified the exact reason a major retail bank rejected the file—typically due to an overly rigid interpretation of non-standard contract income.

    2. 2

      Step 2 · LENDING STRATEGY

      Equity-First Structuring

      Used a strong, verified 20% equity position to pivot the application toward flexible, alternative institutional programs.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Pragmatic Risk Matching

      Routed the file to an equity-focused trust lender that values stable contract income when backed by solid real estate security.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Unconditional Safety

      Cleared all lender conditions quickly, turning a stressful bank rejection into a rock-solid, firm alternative approval.

    ✨ Result: Bypassed rigid automated bank rejections to close a dream property on schedule.

    Apply Now Enquire Now
  • Westmount mortgage brokerRepairing financial standing while securing a family home.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Financial Profile Rehabilitation

      Reviewed a mixed credit profile alongside stable, long-term T4 employment income to find the perfect lending balance.

    2. 2

      Step 2 · LENDING STRATEGY

      Near-Prime Program Selection

      Matched the file with a progressive alternative lender's near-prime program, which rewards strong employment stability despite past credit challenges.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Rate-Cap Protection

      Secured a stable, short-term fixed rate to insulate the family from rate volatility while their credit continues to improve.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Long-Term Success Mapping

      Provided a clear step-by-step financial plan to optimize their credit bureau data, paving the way for a prime bank switch in the future.

    ✨ Result: Secured a stable family home while establishing a clear path to full financial recovery.

    Apply Now Enquire Now
  • St. Thomas mortgage brokerFresh start mortgages for local industrial professionals.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Shift & Overtime Income Audit

      Analyzed complex industrial income structures, including shift premiums, mandatory overtime, and specialized trade allowances.

    2. 2

      Step 2 · LENDING STRATEGY

      Income Averaging Map

      Used a multi-year tax averaging model to convince prime lenders to recognize the full scope of the client's overtime earnings.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Aggressive Prime Squeezing

      Pitched the strong manufacturing profile to competitive monoline lenders to secure top-tier insured rates.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Fast-Track Pre-Approval

      Issued a bulletproof pre-approval, ensuring the client could write confident offers in a highly competitive market.

    ✨ Result: Industrial overtime fully recognized, maximizing total buying power at a prime market rate.

    Apply Now Enquire Now
  • Strathroy mortgage brokerCustom alternative financing for rural credit recovery.

    REAL CASE STUDY: CREDIT RECOVERY

    1. 1

      Step 1 · CLIENT SCENARIO & AUDIT

      Rural Asset & Credit Review

      Evaluated a small-town property lot alongside a credit profile currently recovering from a past business closure.

    2. 2

      Step 2 · LENDING STRATEGY

      B-Lender Rural Alignment

      Located an alternative lender comfortable with edge-of-town property boundaries and flexible credit score requirements.

    3. 3

      Step 3 · UNDERWRITING & NEGOTIATION

      Fee Mitigation Fight

      Fought to keep alternative lender setup fees to an absolute minimum, ensuring a highly cost-effective closing.

    4. Step 4 · FINAL APPROVAL & CLOSING

      Confident Alternative Closing

      Finalized a clean, hassle-free alternative approval that accommodated both the unique property type and the recovering credit profile.

    ✨ Result: Small-town property secured with flexible terms, bypassing traditional big-bank lending restrictions.

    Apply Now Enquire Now

Enquire Now

Ready to run the numbers for your neighbourhood?

Send a quick 3-step intake — I'll come back the same business day with a written game plan tailored to your city, file and goal.

Enquire Now

Free consultation · No obligation · One quick form

Nandan Bajani is a Licensed Mortgage Agent with The Mortgage Firm Inc. (Brokerage Licence #: 13466). Independently Owned & Operated.