Mel Gilbert, London Mortgage Broker

Mel Gilbert, London Mortgage Broker Assisting families and business owners to obtain mortgage financing for the past 19 years.

As an Independent Consultant working with Mortgage Intelligence and an Accredited Mortgage Professional (AMP), also recognized by the Canadian Association of Accredited Mortgage Professionals as a Residential Mortgage Specialist, I can boast more than 28 years of banking and brokering experience. Having managed four different bank branches for institutions such as Citigroup, BMO and RBC and with m

any varied lending positions on my resume, I’m conversant with all aspects of residential, small business, agricultural and commercial mortgages and I can probably handle any challenge you choose to present me with. Why waste your time shopping for the best rate or the terms or conditions to suit your special needs? Let me do the legwork for you - in most cases I already know which company has the right mortgage for you, and the best news is, in most cases my fee is paid by the lender.

The Bank of Canada has announced another rate hold.Its key policy rate stays at 2.25%. This continued pause in the curre...
06/10/2026

The Bank of Canada has announced another rate hold.

Its key policy rate stays at 2.25%. This continued pause in the current cycle offers welcome stability for Canadian mortgage borrowers, even as mixed economic data and global developments create uncertainty.

In this steady climate, there’s time for careful, strategic planning on renewals, pre-approvals, and longer-term mortgage decisions.

Message me today to discuss how this announcement impacts your mortgage.

06/08/2026

A Brampton homeowner recently lost $950,000 on the sale of a house purchased during the pandemic housing frenzy. New data suggests the case is part of a broader trend across Ontario.

The renovation you’ve been dreaming about might already be within reach!After years of homeownership, many of my clients...
06/03/2026

The renovation you’ve been dreaming about might already be within reach!

After years of homeownership, many of my clients are surprised to discover how much equity they’ve built - and how that equity can become a powerful, flexible source of funding for upgrades, additions, or the major improvements they’ve always wanted.

Why keep waiting to bring your vision to life?

Have questions about using your home’s equity? Message me today and let’s explore what’s possible for your renovation dreams!

06/03/2026

Housing starts could have been nearly one-third higher since 2006 if Canada's homebuilding industry matched U.S. responsiveness, CMHC says

Specialized Mortgages Exist for Self-Employed Professionals.Many business owners and self-employed individuals face chal...
05/27/2026

Specialized Mortgages Exist for Self-Employed Professionals.

Many business owners and self-employed individuals face challenges with traditional lenders due to variable income, commission earnings, or complex tax returns. Fortunately, there are tailored mortgage solutions - including flexible documentation options and specialized programs designed for entrepreneurs and variable income earners.

I can access lenders who understand self-employment and work with you to find the best financing solution for your situation.

Connect with me today to explore the options available for your unique employment situation.

05/25/2026

New data shows Canadians are trading champagne toasts for down payments, and most married couples say they wish they had done the same.

One broker. One point of contact.That’s the difference I create for my clients. From the moment we start pre-approval un...
05/20/2026

One broker. One point of contact.

That’s the difference I create for my clients. From the moment we start pre-approval until you get the keys on closing day, you only deal with me. No chasing different people, no mixed messages, and no uncertainty about where things stand.

I stay with you through every step, keeping the process clear, organized, and on schedule. You’ll always know exactly what’s happening, what’s next, and why it matters.

Whether you’re purchasing your first home, renewing your current mortgage, or considering a refinance, you get consistent guidance and peace of mind the entire way.

Ready for a much simpler and more personal mortgage experience? Message me today - I’m happy to chat.

Fixed or Variable at Renewal? Let’s Make the Right Choice Together.Renewal is one of the most important moments to decid...
05/13/2026

Fixed or Variable at Renewal? Let’s Make the Right Choice Together.

Renewal is one of the most important moments to decide between a fixed-rate or variable-rate mortgage, and I’m here to help you choose wisely.

A fixed rate gives you payment stability and peace of mind, protecting you if rates go up.

A variable rate often starts lower and can save you money if rates drop - but your payments could rise if rates increase.

I’ll walk you through exactly how each option fits your budget, timeline, and risk tolerance, then recommend the best solution for your situation.

Ready to make a confident, well-informed decision at renewal? Reach out to me today - I’d love to help!

04/15/2026

Development charges on a Toronto home have risen more than 5,000% in 25 years — dwarfing inflation's 70% increase

💡🏡 Pre-approval can offer you more than just a clear budget.In many cases, it may also include a rate hold for a limited...
04/13/2026

💡🏡 Pre-approval can offer you more than just a clear budget.

In many cases, it may also include a rate hold for a limited time, often up to 120 days, depending on the lender. That can give you added stability while you’re searching in a changing market.

I walk you through how it works and make sure it fits into the bigger picture, so you’re not just pre-approved, you’re properly positioned.

If you’re thinking about buying or starting your home search soon, connect with me to get pre-approved and step into the market prepared, confident, and ready to act when the right home comes up.

Address

88 Ridout Street S
London, ON
N6C3X4

Telephone

+15196901457

Website

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