Kemp Mortgage Group

Kemp Mortgage Group Brokers are essential – and we are #1 at what we do! For over 20 years, Kemp Mortgage Group has be Kemp Mortgage Group can find the perfect mortgage for you.

Mortgage Alliance is the most recognized and trusted mortgage brokerage in Canada and as a Mortgage Alliance professional, and we have the expertise to get the right mortgage for your immediate and future needs. We work for you, not the banks, and provide unbiased guidance in your mortgage decision. We work with over 70 lenders (some offered exclusively through brokers) plus major banks and privat

e lenders. This provides you with the best choices for a mortgage and great counsel that you deserve! Here is what we can offer YOU:

∙ A wide variety of incentives available to First Time Buyers, such as leveraging RRSP’s with no tax implications.
∙ A new mortgage or a 2nd mortgage on an existing home
∙ A new mortgage for a newly-single income provider
∙ Private Funding available for real estate investors
∙ Refinancing for existing mortgages
∙ Solutions for those who are Self-Employed
∙ Resources for cottage or vacation home financing
∙ More mortgage opportunities! We will place your mortgage with the lender that is the best fit for you, whether it’s a major bank or a private lender. Talk to us BEFORE you start searching for your next home! (519) 668-4129
[email protected]

Spring cleaning doesn’t just apply to your home - it’s also a great time to tidy up your finances.Here are three places ...
05/27/2026

Spring cleaning doesn’t just apply to your home - it’s also a great time to tidy up your finances.

Here are three places to start when taking a look at your finances in the changing seasons:
1️⃣ Pull and review your credit report
2️⃣ Pay down small balances
3️⃣ Get pre-approval ready

Send us a message for some more tips on how to organize your finances this spring.

📩 [email protected]
☎️ (519) 668-4129

As your finances come into focus this time of year, it’s a great opportunity to revisit your mortgage strategy.Updates t...
05/22/2026

As your finances come into focus this time of year, it’s a great opportunity to revisit your mortgage strategy.

Updates to your income, savings, or overall goals can influence your options and help you plan your next step with more confidence. If you’d like a quick check-in, I’d be happy to review everything with you.

Send us a message to schedule a call:
📩 [email protected]
☎️ (519) 668-4129

Here’s some big news for Ontario homebuyers!The Government of Ontario has expanded their HST rebate on new homes. For ne...
05/19/2026

Here’s some big news for Ontario homebuyers!

The Government of Ontario has expanded their HST rebate on new homes. For new homes priced up to $1 million, eligible buyers could receive up to $130,000 in HST relief. That’s equivalent to removing the full 13% HST.

For homes that are priced higher than $1 million, the maximum rebate remains at $130,000 for homes up to $1.5 million and for homes between $1.5M and $1.8M, the rebate gradually decreases. Any homes above $1.85M purchase price can get a $24,000 rebate.

If you’re thinking about buying in 2026, understanding programs like this can make a big difference in your budget. Send us a message if you want to know how this could impact your purchase.

📩 [email protected]
☎️ (519) 668-4129

While this year’s spring market has been different than most, one thing hasn’t changed: preparation matters. Even in a s...
05/12/2026

While this year’s spring market has been different than most, one thing hasn’t changed: preparation matters.

Even in a slower or shifting market, knowing what a monthly payment feels comfortable for your budget can help you shop with confidence. It’s not just about what you qualify for - it’s about what fits your lifestyle both now and long term. A smart buying decision starts with understanding your numbers before you start house hunting.

If you’d like to see how today’s rates align with your goals, I’m always happy to walk through your options with you.

📩 [email protected]
☎️ (519) 668-4129

There’s always something happening in the mortgage world, and staying informed can make a big difference when you’re buy...
05/06/2026

There’s always something happening in the mortgage world, and staying informed can make a big difference when you’re buying, renewing, or refinancing. From rate changes to new policies and market updates, the headlines can directly impact your options. Here’s some mortgage news you don’t want to miss this week:
➡️ The war in the Middle East is impacting mortgage rates in Canada
➡️ Canada’s inflation rate rose to 2.4% in March
➡️ Housing construction slowed in March 2026

Have questions about how current mortgage trends can impact your buying power? Let’s discuss first.

📩 [email protected]
☎️ (519) 668-4129

Breaking News: The Bank of Canada has held interest rates once again. While that may not feel like big news, it actually...
04/29/2026

Breaking News: The Bank of Canada has held interest rates once again. While that may not feel like big news, it actually tells us a lot about where the market is heading.

A rate hold usually signals a “wait and see” approach. Right now, there’s a lot of uncertainty globally, especially around ongoing geopolitical tensions, including the conflict in Iran, which has pushed oil prices higher and added pressure to inflation.

When factors like this are in play, it becomes harder for the Bank to confidently predict where inflation and the economy are headed. Instead of moving too quickly, they’ll often pause to gather more data and assess how things unfold.

For home buyers, this can mean a bit more short-term stability in borrowing costs. But it’s important to remember that fixed rates can still move based on bond yields and market expectations, not just Bank of Canada decisions.

Have questions about what this means for you and your mortgage? Send us a message or give us a call today.

📩 [email protected]
☎️ (519) 668-4129

Over the last six years, we’ve seen a lot of changes to the real estate market, and expectations don’t always match real...
04/21/2026

Over the last six years, we’ve seen a lot of changes to the real estate market, and expectations don’t always match reality.

One expectation a lot of buyers have is that when the rates drop, it automatically makes everything cheaper. The reality is that lower rates often bring more buyers, which can push prices up.

Real estate isn’t just about getting the best rate; it’s about timing, strategy, and understanding the full picture. That’s why having a plan matters more than trying to time the market perfectly.

Let’s schedule a time to chat and work through your buying power. Give us a call today!

📩 [email protected]
☎️ (519) 668-4129

04/15/2026

We’ve all done it… a little “just browsing” turns into falling in love with a home you can already picture yourself in. Then reality hits, and it’s outside your price range.

It’s more common than you think, which is exactly why getting pre-approved before you start house hunting matters.
Skipping that step can lead to disappointment, especially in a competitive spring market. It can also create delays, add stress during the process, or leave you unsure of what your monthly payment would actually look like.

The easiest way to protect yourself and shop with confidence is to connect with a mortgage broker before you start your search.

Ready to find a home you love and can confidently afford? Talk to Kemp Mortgage Group!

📩 [email protected]
☎️ (519) 668-4129

As we head into the busy spring market, Canadian buyers are wondering: Is April a good time to buy? The short answer is:...
04/07/2026

As we head into the busy spring market, Canadian buyers are wondering: Is April a good time to buy?

The short answer is: it depends! April can be a good time to buy in Canada, but it comes with trade-offs. Spring is a busy season, so you will usually see more listings and have more options to choose from. At the same time, more buyers are active, which can mean increased competition and higher prices.

The best time to buy ultimately depends on your financial readiness and your local market conditions.

If you have questions about the spring market or want to get a better understanding of how much you can afford, give us a call!

📩 [email protected]
☎️ (519) 668-4129

Your tax refund might be the boost your home-buying plan needs.Instead of spending it, consider using your refund to hel...
03/31/2026

Your tax refund might be the boost your home-buying plan needs.

Instead of spending it, consider using your refund to help with your down payment, closing costs, or to strengthen your overall mortgage application. Even a few thousand dollars can make a real difference when you’re preparing to buy.

If you’re thinking about buying this year, let’s explore how to put that refund to work for you.

📩 [email protected]
☎️ (519) 668-4129

Address

519 York Street
London, ON
N6B1R4

Telephone

+15196684129

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