David Simmonds Mortgages

David Simmonds Mortgages A CPA with over 20 years of financial experience I find mortgage options you need when you need it. I am available for one one ones at any time.

A Chartered Professional Accountant with over twenty years of industry experience in accounting, finance, tax, private equity, venture capital, entrepreneurship and more. I provide awesome personal old school service using new school tools. I can help you get the mortgage and other real estate financing you need when you need it. Talking to me and getting advice is always free. I provide you with options to choose from at no cost. Take the steps to find out what your options are.

09/02/2026

Interest rates are staying put... but is your mortgage strategy doing the same?

With the Bank of Canada keeping its key interest rate unchanged today, the market gets a temporary breather. But don’t mistake a pause for a reason to sit idle.

This steady period is actually the prime opportunity to review your home financing, whether that means refinancing or fine-tuning your current setup to keep more of your hard-earned money over time.

Reach out today to see how we can get your mortgage working harder for you.

David Simmonds
📞 519.403.5020
✉️ [email protected]
📍 19 Ridout St E, Tillsonburg, ON

A mistake in this market is expensive.Protect yourself with an ally who watches your back.Contact me, David Simmonds. ...
08/19/2026

A mistake in this market is expensive.

Protect yourself with an ally who watches your back.

Contact me, David Simmonds.

This is plausible and illustrative but depends heavily on your existing mortgage balance, property value, amortization, ...
08/13/2026

This is plausible and illustrative but depends heavily on your existing mortgage balance, property value, amortization, and exact terms.

Here's a breakdown with realistic math (using approximate 2026 figures; always run personalized numbers):

Credit card side:

$50,000 at 24% interest, minimum payments (often 2–3% of balance + interest) can easily exceed $1,000 to 1,500/month if you're only paying interest or slowly paying down. Carrying $50k long-term at 24% is extremely expensive ($12,000/year in interest alone if interest only).

Private mortgage side (example):

Add $50k to your mortgage at 12% interest-only.
Monthly interest on the added $50k: ($50,000 × 0.12) / 12 = $500/month.
Total new mortgage payment increases by roughly this amount (plus any fees amortized), but you eliminate the high credit card minimums.

Net cash flow savings:

If your prior credit card payments were ~$1,100/month (common when aggressively paying down or with high minimums), switching to $500 interest only could save $600/month.

Additional benefits: One payment instead of many; potential credit score improvement from paying off cards; stops the 24% compounding.

Contact me and let's analyze your case. David Simmonds

08/05/2026

The fine print is where money is lost.

A private mortgage should be transparent from day one.

As a professional accountant, my goal is to ensure you understand every cent leaving your pocket.

Shall we talk? Leave me a message. David Simmonds

Private lending isn't one size fits all, especially in Ontario's evolving 2026 landscape of regulatory updates and marke...
07/29/2026

Private lending isn't one size fits all, especially in Ontario's evolving 2026 landscape of regulatory updates and market pressures.

Borrowers often overlook total costs or enforcement risks, while investors underestimate default scenarios or liquidity challenges.

Nuances matter: flexible terms help bridge gaps, but without proper setup, they create bigger problems.

Important considerations include AML (Anti-Money Laundering) compliance, tax efficient structuring, and suitability matching.

Real world examples show that thorough preparation, including record keeping and professional advice, leads to smoother outcomes and preserved wealth.

I bring accounting precision and mortgage expertise to help Ontarians avoid pitfalls and capitalize on opportunities.

Whether consolidating debt or investing privately, let's tailor a solution.

Start finding answers with me, David Simmonds. Message 'CONSULT' to begin.

Artemis II might have been looking for signs of life, but they found something even better: world-class financial expert...
07/22/2026

Artemis II might have been looking for signs of life, but they found something even better: world-class financial expertise!

In all seriousness, you don’t need to travel to outer space to get "out of this world" results.

When it comes to your home and investments, experience is the ultimate launchpad.

With over 20 years of expertise, David Simmonds provides the strategic insight you need to navigate the mortgage landscape with confidence.

Our Core Services:
- Mortgages: Tailored solutions for your dream home.
- Private Lending: Specialized financing when you need it most.
- Professional Guidance: Backed by the precision of an MBA, CPA, CGA.

Stop searching the stars for a sign, the expert advice you need is right here on Earth.

FSRA's 2026 supervision focus is clear: transparency is mandatory. If you’re looking at a private mortgage, don't just l...
07/16/2026

FSRA's 2026 supervision focus is clear: transparency is mandatory.

If you’re looking at a private mortgage, don't just look at the percentage interest rate.

Look at the total cost of credit. Are there renewal fees?

Is the legal cost for both sides on you?

As a CPA and MBA, I don’t just find you a loan; I audit the deal to ensure you aren't paying a penny more than necessary.

Experience the difference of a professional approach.

Ready for a transparent lending experience? Message me to start today.

07/15/2026

Rates are paused... but should your mortgage plan be? 🛑

The Bank of Canada decided to hold the policy interest rate steady today. While the market takes a brief moment to stabilize, this plateau is actually your cue to take action. Assessing a refinance or tweaking your current borrowing strategy right now could put thousands of dollars back in your pocket down the road.

Let’s connect today to ensure your money is working as efficiently as possible.

David Simmonds
📞 519.403.5020
✉️ [email protected]
📍 19 Ridout St E, Tillsonburg, ON

07/06/2026

Don’t let a number on a screen stop your homeownership dreams.

In 2026, private capital is the real alternative for those the big banks ignore.

It’s fast, flexible, and based on what you already own.

Let’s find your solution together. David Simmonds

Sometimes conventional lending doesn't fit. Identifying these signs early saves you thousands. Let's find a solution tod...
07/02/2026

Sometimes conventional lending doesn't fit.

Identifying these signs early saves you thousands.

Let's find a solution today. David Simmonds

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London, ON
N6B2P4

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+15194035020

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