Business Details
10 Years
experience
Your Trusted Mortgage Partner in London, Ontario
Brad Knight Mortgage Broker has been dedicated to helping clients navigate the complexities of home financing since 2016. With a focus on personalized service, we provide independent expert advice tailored to each client's unique financial situation. Our approach eliminates the need for clients to shop multiple lenders by leveraging our extensive network to secure competitive rates and terms. We specialize in mortgage customization, ensuring each solution aligns with the client's long-term financial goals. Our team's expertise spans purchase mortgages, refinancing, renewals, and specialized programs like Purchase Plus Improvements. Backed by TMG The Mortgage Group Inc.'s 35-year industry reputation, we combine local market knowledge with national resources.Client testimonials consistently highlight our responsiveness, transparency, and ability to deliver seamless digital transactions. We operate with full transparency, charging no direct fees as our compensation comes from lender finders' fees. Our commitment to excellence has earned us repeat business from clients across London and St. Thomas, Ontario.
Services
Fixed Mortgages
Variable Mortgages
Open Mortgages
Line of Credit
Refinancing
Details
- Year established: 2016
Highlights and features
- We provide independent expert advice without lender affiliations
- Our one-stop shopping saves clients time through lender comparisons
- No direct fees charged to residential mortgage clients
- Specialize in mortgage customization for unique financial goals
- Leverage TMG's 35-year industry relationships for competitive terms
What people say
Exceptional customer service
Seamless digital process
Secured competitive rates
Prompt response times
Expertise in complex cases
Services
Fixed Mortgages
Fixed-rate mortgages provide interest rate security for terms ranging from 6 months to 10 years. Clients benefit from predictable principal and interest payments with pre-payment options of 10-25% annually. Penalty structures apply for full prepayment, either 3 months' interest or an Interest Rate Differential. This product suits clients seeking payment stability and no plans for early mortgage termination.
Variable Mortgages
Variable-rate mortgages track the Bank Prime Rate with terms from 1-5 years. Payments may fluctuate with prime rate changes or remain fixed for up to 5 years while interest rates vary. This option benefits clients comfortable with payment variability who want to capitalize on current low prime rates. Most products offer rates below prime while maintaining flexibility.
Open Mortgages
Open mortgages allow penalty-free prepayment of some or all principal at any time. While carrying higher interest rates tied to prime, this product suits clients expecting significant lump sum payments. Ideal for those prioritizing liquidity over rate stability, particularly during periods of anticipated financial changes.
Line of Credit
Secured lines of credit provide flexible access to home equity with interest-only payments. Rates track prime with slightly above-prime pricing. This product works best for clients needing cash flow flexibility while maintaining lower rates than unsecured credit. Can be combined with traditional mortgages when sufficient home equity exists.
Refinancing
Refinancing services help clients optimize mortgage terms through rate renegotiation or equity extraction. We analyze existing agreements to identify savings opportunities or debt consolidation potential. Our process includes lender comparisons and customized term restructuring to align with current financial objectives and market conditions.
People
Brad Knight
Mortgage Broker
With 17+ years of mortgage industry experience, Brad Knight has helped hundreds of clients secure optimal financing solutions. Specializing in complex mortgage scenarios, he maintains a 98% client retention rate through personalized service and digital transaction capabilities. His expertise spans first-time homebuyers to multi-property investors.
Questions
What mortgage types do you offer?
We offer fixed-rate, variable-rate, open mortgages, and secured lines of credit. Our services include purchase mortgages, refinancing, and renewal options tailored to your financial situation.
How does the mortgage application process work?
Start with our online application, then we'll analyze your financial situation and connect you with suitable lenders. We handle all comparisons to find competitive rates and terms that match your needs.
Do you charge fees for mortgage services?
Most residential mortgage transactions have no direct fees. We're compensated through lender finders' fees, allowing us to provide cost-free comparison shopping while maintaining lender independence.
Can you help with difficult mortgage scenarios?
Yes, we specialize in complex cases including unconventional property valuations, self-employed applicants, and clients needing rapid lender solutions within tight deadlines.
How do you ensure competitive mortgage rates?
Our access to 1,400+ lenders and TMG's industry relationships lets us negotiate exclusive rates below standard advertised offers while maintaining personalized service.
