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Kemp Mortgage Group

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Kemp Mortgage Group

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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 private 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]

10/12/2026

Picture yourself hosting Thanksgiving in your new home this time next year. 🏡

Get pre-approved this year, and let’s start planning for the home you’ll be thankful to gather in 2027.

Wishing you a Thanksgiving filled with family, friends, great food, and all the comforts of home.

Happy Thanksgiving!

📩 [email protected]
☎️ (519) 668-4129

10/06/2026

Did you miss these headlines? 🏠

Whether you’re refinancing, renewing, or seeking your first mortgage, staying on top of mortgage news makes the process that much smoother. Swipe to read some recent mortgage news you shouldn’t miss.

Have questions or concerns about recent mortgage news? Let’s talk through what it might mean for you and your ability to purchase.

📩 [email protected]
☎️ (519) 668-4129

09/28/2026

Should you prioritize your down payment or paying off debt? The answer isn’t always one-size-fits-all.

While a larger down payment can help reduce your mortgage amount and potentially your monthly payments, paying down high-interest debt can improve your overall financial picture and borrowing power.

The right choice depends on factors like your income, existing debt, interest rates and how much you’ve already saved.
Before putting every extra dollar toward your down payment, it’s worth looking at the bigger picture and understanding how your debt could impact your mortgage qualification.

Not sure which should come first? Let’s look at your numbers and build a plan that works for you.

📩 [email protected]
☎️ (519) 668-4129

09/23/2026

Is fall a good time to buy a home? The answer might surprise you!

Fall can be a great time to enter the market. With summer winding down, there may be less competition from other buyers, giving you more room to take your time, negotiate and find a home that truly fits your needs.

Plus, sellers who are listing in the fall may be more motivated to make a deal before the winter months.

Of course, the “right” time to buy ultimately depends on your financial situation, goals and what’s happening in your local market.

Thinking about buying this fall? Let’s chat about your options and make sure you’re prepared before you start your search.

📩 [email protected]
☎️ (519) 668-4129

09/15/2026

Mortgage rates play a bigger role in your home-buying journey than you might think.

While the price of a home is important, your interest rate can directly impact your monthly mortgage payment and how much you may be able to borrow.

Even a small change in rates can affect your purchasing power. When rates rise, your monthly payments may increase, potentially reducing the amount you can qualify for. On the other hand, lower rates may give you more flexibility and allow you to borrow more while staying within your budget.

That’s why it’s important to look at the full picture when planning your home purchase, not just the listing price.
If you’re thinking about buying, understanding your mortgage options and purchasing power is a great place to start. Send us a message to chat about what you could qualify for!

📩 [email protected]
☎️ (519) 668-4129

09/09/2026

Thinking about making London, Ontario home?

From its diverse neighbourhoods and green spaces to its growing communities and variety of housing options, it’s easy to see why so many people are choosing to call the Forest City home.

Whether you’re a first-time buyer, growing your family or simply looking for a change of scenery, finding the right home starts with understanding what you can afford.

Thinking about buying in London? Let’s chat about your mortgage options and help you take the next step toward homeownership.

📩 [email protected]
☎️ (519) 668-4129

09/02/2026

This just in! The Bank of Canada has held rates steady once again.

2026 has seen nothing but steady holds, maintaining a 2.25% rate since the last drop in October 2025.

For buyers and homeowners, a steady rate can bring a little more predictability to the market. Buyers can better plan their budgets and borrowing power, while homeowners can feel more confident about their current mortgage payments and upcoming renewal decisions.

Will we see a rate drop in Q4? Stay tuned for future announcements and information.

📩 [email protected]
☎️ (519) 668-4129

08/31/2026

Can you lose your mortgage pre-approval? The short answer is yes.

A mortgage pre-approval is an important first step, but it isn't a final approval. Your lender will review your finances again before your mortgage is officially approved, so it's important to keep your financial situation as stable as possible.

Some things that could affect your approval include changing jobs or experiencing a drop in income, taking on new debt (like financing a vehicle or opening a new credit card), missing credit card payments, and using savings needed for your down payment or closing costs.

The good news? Most buyers have no issues moving from pre-approval to final approval by maintaining their income, avoiding new debt, staying on top of their payments, and purchasing within their approved budget.

Have questions about the mortgage process? We’re here to help!

📩 [email protected]
☎️ (519) 668-4129

08/26/2026

Back-to-school season often comes with unexpected expenses. From supplies and lunches to new clothes and activities, the expenses add up quickly.

Taking 10 minutes to review your budget now can help you stay on track and avoid relying on credit for seasonal spending.

Need help with a budget check? Let’s talk.

📩 [email protected]
☎️ (519) 668-4129

08/19/2026

Buying a home starts long before you make an offer. Taking steps to strengthen your mortgage application can improve your chances of approval and help make the process smoother.

Simple habits like maintaining a good credit score, avoiding new debt, keeping your employment stable, and saving beyond your down payment can make a big difference. And don't forget, getting pre-approved early gives you a clear understanding of your budget before you start house hunting.

Let’s schedule a time to discuss your finances and begin working on your mortgage application. Send us a message today!

📩 [email protected]
☎️ (519) 668-4129

Address

519 York Street
London, ON
N6B1R4

Telephone

+15196684129

Website

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