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]

Dreaming of summers spent up north? Or winters spent down south? Here are important questions to ask your mortgage broke...
06/24/2026

Dreaming of summers spent up north? Or winters spent down south? Here are important questions to ask your mortgage broker before you make the purchase!

1️⃣ How much down payment will I need?
Vacation and recreational properties can have different down payment requirements than a primary residence.

2️⃣ Will this qualify for traditional financing?
Factors like seasonal access, water sources, septic systems, and location can affect financing options.

3️⃣ How will this impact my borrowing power?
If you already own a home, it's important to understand how a second property affects your debt ratios and future plans.

4️⃣ Can rental income be used to help qualify?
If you're planning to rent the property out, ask whether that income can be considered in your mortgage application.

5️⃣ What will my total monthly costs look like?
Beyond the mortgage payment, consider property taxes, insurance, utilities, maintenance, and cottage association fees.

Curious to know if buying a second property is the right move? Send us a message to schedule a call!

📩 [email protected]
☎️ (519) 668-4129

When most people think about buying a home, they focus on saving for the down payment, but that's only part of the pictu...
06/17/2026

When most people think about buying a home, they focus on saving for the down payment, but that's only part of the picture.

Several other costs come with purchasing a home, including legal fees, land transfer taxes, home inspections, moving expenses, and more. Being prepared for these costs can help make your home-buying journey smoother and reduce surprises on closing day.

The good news? With the right plan, these expenses can be anticipated and budgeted for well in advance.

Thinking about buying your first home or wondering how much you'll need to save? Send us a message. We'd be happy to help you understand your options and create a plan that works for you.

📩 [email protected]
☎️ (519) 668-4129

After a slower-than-normal spring market, here’s what experts are predicting for the housing market this summer! ➡️ Buye...
06/12/2026

After a slower-than-normal spring market, here’s what experts are predicting for the housing market this summer!

➡️ Buyers are still rate-sensitive, not rate-paralyzed. Even with rates expected to be more stable than the peak 2023–2024 period, affordability remains the #1 driver of decisions. Buyers are shopping based on monthly payment first (not purchase price), and are more focused on fixed vs. variable certainty than chasing the lowest possible rate.

➡️ Inventory is expected to stay higher than pre-pandemic norms. Across many Canadian markets, new listings have been gradually improving. In summer conditions, that typically means more selection than spring peak periods, homes sitting slightly longer if overpriced, and more conditional offers returning.

➡️ First-time buyers are more active, but selective. With programs like FHSA + insured mortgage rules still in play, first-time buyers are waiting longer to ensure affordability, prioritizing condos/townhomes over detached in many regions. They're more likely to negotiate than in spring.

Thinking about buying this summer? Let's talk about your options and create a mortgage strategy that fits your goals and budget.

📩 [email protected]
☎️ (519) 668-4129

The Bank of Canada has announced that it is holding its policy rate unchanged at 2.25%.While many Canadians were watchin...
06/10/2026

The Bank of Canada has announced that it is holding its policy rate unchanged at 2.25%.

While many Canadians were watching for a rate cut, today's decision means borrowing costs remain where they are for now. For homeowners, buyers, and those approaching renewal, this is a reminder that mortgage decisions should be based on your long-term goals, not just the next rate announcement.

Markets and mortgage rates can still shift even when the Bank of Canada holds its rate, which is why it's important to review your options and have a plan in place.

Wondering how today's announcement affects your mortgage or home-buying plans? Let's connect.

📩 [email protected]
☎️ (519) 668-4129

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

Address

519 York Street
London, ON
N6B1R4

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+15196684129

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