Mortgage Broker - London

Mortgage Broker Serving London, Ontario

The short version: HB Mortgage Centre is an FSRA-licensed Ontario brokerage serving London, Ontario fully remotely by phone and email from its Mississauga office. First-home purchases and self-employed files make up most of our London work, all subject to qualification.

London, Ontario is a large southwestern-Ontario city that is more affordable than the GTA, which makes it a real first-home market for buyers priced out closer to Toronto. It also has a sizeable self-employed population, from trades to small business owners and contractors. HB Mortgage Centre is an FSRA-licensed Ontario brokerage based in Mississauga, and we help London clients fully remotely, by phone and email. We are a brokerage, not a bank, and we shop across lenders to fit your situation, subject to qualification.

Written by the HB Mortgage Centre team. Reviewed by Hardeep Batoo, Principal Broker (licence M13002408). HB Mortgage Centre is an FSRA-licensed brokerage (#13449). Last updated: June 23, 2026.

Talk to a broker Call (647) 542-6100

FSRA Brokerage #13449Â·Hardeep Batoo, Broker Licence #M13002408Â·Serving LondonÂ·Ontario-licensed

The basics

Who do we help in London?

This page is for London, Ontario buyers making their first purchase and wanting to do it sensibly, self-employed owners whose income does not show up neatly on a single T4, and anyone who has been told their file is harder than it really is. We also help move-up buyers and renewals. The common thread is a borrower who would rather have options compared across lenders than be handed one bank's answer.

Who it's for

How we help London borrowers

We lead with the situations London sees most:

First-time home buyer help, including the programs you may qualify for and a realistic budget before you shop.

Self-employed mortgages, presented accurately to lenders who look beyond a single tax slip.

Home financing for move-up purchases when your needs change.

Everything is subject to qualification and lender review, and we will tell you when an option is not the right fit.

How it works

How does fully remote service work?

Phone and email service

We are based in Mississauga and serve London, Ontario entirely by phone and email. There is no London office, and the distance does not change the service. You deal with the same broker from your first call to closing, share documents securely, and get the same guidance you would across a desk.

Self-employed files

For self-employed files, we spend the time up front to present your income properly to the lender.

More than 50 lenders

HB Mortgage Centre has arranged over $1 billion in mortgage funding since December 2021, working with more than 50 lenders. We also work with homeowners in Kitchener and Brantford.

London market context

Financing in the London market

London is home to about 422,324 residents, according to the 2021 Census, and grew 10.0 percent between 2016 and 2021. It draws first-time buyers who want more home for their budget than the GTA offers, along with families, students, and a steady base of self-employed owners. Its relative affordability is the headline, but the practical effect is that a London file is often about getting a fair read on income and qualifying for the right product, not about surviving a bidding war. We give you a realistic read on your situation in the current London market.

Affordability does not make the bank's first offer the right one. One bank reads your income under one set of rules and hands you one number. A brokerage can shop the same file across more than 50 lenders, including ones that assess self-employed income properly.

Areas we serve across Ontario →

Why a broker

When it is worth a conversation

A short call usually helps if any of these sound familiar:

You are buying your first home in London and want to understand the programs and a sensible budget first.

Your income is self-employed or commission-based and a bank found it hard to read.

You are moving up and want your financing shopped, not assumed.

A bank pre-approved you for less than you expected, or said no.

No cost, no obligation.

Areas we serve →

FAQ

Frequently Asked Questions - Mortgage Broker London

Do you have a London, Ontario office?+

No. HB Mortgage Centre works from a single office in Mississauga, and we serve London, Ontario clients fully remotely by phone and email. There is no London office or staff in the city.

Just to confirm, this is London in Ontario, not London, UK?+

Yes. This page is for London, Ontario in southwestern Ontario. We are an Ontario-licensed brokerage and we serve clients across the province.

Can you help a self-employed buyer in London?+

Yes, subject to qualification. We present self-employed and business income accurately to lenders who assess it beyond a single tax slip, and we show you the trade-offs before you decide.

Does remote service actually work for a first-time buyer?+

Yes. Most of our out-of-town work happens by phone and email, with the same broker throughout, and first-time buyers get the same walkthrough of programs and budget they would in person, subject to qualification.

I was priced out of the GTA. Is London a realistic first-home market?+

For many buyers, yes. London's relative affordability means a first purchase is often about getting a fair read on your income and the right product rather than surviving a bidding war. We set a realistic budget and walk through the programs before you shop, subject to qualification.

Talk to a broker who serves London

Tell us your situation and we will give you the honest version of your options. No cost, no obligation.

When you call, a broker reviews your situation and gives you the realistic version of your budget and options. The call and assessment are free. Approval and rates are never guaranteed.

Apply Call (647) 542-6100

Qualification subject to lender approval, credit assessment, and market conditions. O.A.C. E.&O.E. FSRA Brokerage #13449.

FSRA Brokerage #13449 Â· Hardeep Batoo, Broker Licence #M13002408 Â· Ontario-wide

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