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The Mortgage Firm

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The Mortgage Firm

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The Mortgage Firm began in 2013 with a simple but important philosophy: your mortgage matters. #13466

10/15/2026

A co-signer can help someone qualify for a mortgage, and it is a real commitment.

Here is a common example. A buyer has steady income but a short credit history, so a parent co-signs. The lender then looks at both people's income and credit. In return, the co-signer becomes responsible for the mortgage if payments are missed, and the debt can count against their own borrowing for years.

Coming off the mortgage later is not automatic. It usually means the main borrower qualifies on their own at renewal or through a refinance. If you are thinking about co-signing for someone, or asking someone to co-sign for you, talk it through with us first.

Book a call at link.mortgage/Book-TMF or apply at www.themortgagefirm.ca

Lic. #13466

10/13/2026

Myth: you cannot move until your mortgage term is up.

Many mortgages can be ported, which means you take your existing mortgage and its terms with you to your next home. It is not automatic. The lender has to approve the new property and your situation, there is usually a set window between selling and buying, and if you need to borrow more, the extra amount is often blended in at the lender's current terms. Not every mortgage is portable, so check your contract before you list.

Thinking about moving before renewal? Book a call at link.mortgage/Book-TMF or apply at www.themortgagefirm.ca

Lic. #13466

10/12/2026

Happy Thanksgiving from all of us at The Mortgage Firm.

Our office is closed on Monday, October 12 for Thanksgiving. We will be back on Tuesday.

Thank you to every family who trusted us with their mortgage this year, and to the realtors and partners we work with. Enjoy the long weekend.

Lic. #13466

10/08/2026

Renting your commercial space for years and then buying it is a big shift, and commercial financing works nothing like a home mortgage. Lenders look at your business income, the property type, and how the space will be used, and terms often come with shorter amortizations and renewal periods. If you have been thinking about buying the unit your business calls home, we are happy to walk you through how it actually works.

Book a call at link.mortgage/Book-TMF or apply at www.themortgagefirm.ca

Lic. #13466

10/07/2026

A lot of buyers pass on a fixer-upper because they think they need a pile of cash saved for renovations. A purchase plus improvements mortgage lets you fold certain planned upgrades into your mortgage, so the work gets done after you close. The lender will want written quotes from licensed contractors and details on the scope of work before approving. Ask us how it works if you have your eye on a place that needs some love.

Book a call at link.mortgage/Book-TMF or apply at www.themortgagefirm.ca.

Lic. #13466

10/04/2026

Four wins. One year. 🏆

Steve Dostal is our September Agent of the Month. That is his fourth win this year.

Winning once is a great month. Winning four times is a habit. Steve brings the same care and follow-through to every client, from the first call to closing day.

Congratulations, Steve. The whole team is proud of you. 👏

Buying a home or coming up for renewal? Talk to someone who treats your mortgage like it's his own.

📞 519-304-5480
📧 [email protected]
🌐 www.themortgagefirm.ca

The Mortgage Firm, Lic. #13466

10/01/2026

I once worked with a buyer whose closing date landed two weeks before the sale of their current home went through. Bridge financing covered that gap so they weren't carrying two mortgages and still got the keys on time. Ever wonder what happens when your dates don't line up? Always worth asking before you sign.

Book a call at link.mortgage/Book-TMF or apply at www.themortgagefirm.ca

Lic. #13466

09/29/2026

Checking your own credit score does not hurt it. When you look at your own credit, it's a soft pull, and soft pulls never lower your score. Hard pulls happen when a lender checks your credit for a new loan or card, and those can cause a small, temporary dip. Either way, looking before you apply is one of the smartest things you can do.

Lic. #13466

09/10/2026

People often think you have to stay stuck in a mortgage that doesn't fit anymore. We recently helped a London couple get out of a rate that was costing them way too much, and refinancing actually freed up real money in their monthly budget. For them, it meant fewer surprises and a renewed sense of control over their house. Curious if your current rate is still working for you?

Lic. #13466

09/08/2026

"Your bank will give you the best rate" is a pretty common assumption, but it's often not the case. Banks only offer their own products, while a broker compares rates and terms from multiple lenders to find what fits your situation, not just what they have on the shelf. It's a bit like shopping around for a car instead of buying the first one you see. Have you ever compared a broker's offer to your bank's?

Lic. #13466

Address

204 Oxford Street West
London, ON
N6H1S4

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://themortgagefirm.ca/

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