What homeowners in Windsor ask us first
- Cross-border (Detroit-commuter) income files need USD-to-CAD treatment and consistent exchange documentation.
- Lower price points keep many Windsor buyers in high-ratio purchase territory with full insurer scrutiny.
- Older housing stock near the core can draw appraisal condition notes on knob-and-tube or galvanized plumbing.
Own rentals in Windsor? Investor underwriting lives in our investment market guides — this page covers only the home you live in.
Owner-occupied paths in Windsor
The home you live in — not a second Windsor investment guide.
-
Purchase / pre-approval
Insured or conventional purchase in Windsor with a free 120-day hold across 50+ Canadian lenders.
-
Renewal / switch
Start 120 days before maturity so you can leave a posted-rate auto-renew with no IRD penalty.
-
Refinance or equity takeout
Rate-and-term keeps the balance flat. Equity takeout pulls cash to 80% LTV. Both are uninsured.
-
Windsor investment guides
Rental and commercial underwriting for Windsor lives on market guides — not this page.
-
Windsor mortgage broker
Full-service city brokerage (homeowners and investors). This retail page stays owner-occupied.
-
Residential rates
Owner-occupied and 1–4 unit rate ranges. Commercial and CMB pricing live on their own desks.
-
Ontario home mortgages
City pages for the home you live in — purchases, renewals, refinances, and self-employed files.
-
Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math first.
-
Home equity takeout
Pull cash up to 80% LTV from the Ontario home you occupy. Refinance vs HELOC compared.
Ontario owner-occupied mortgages
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“Kelly and the team are fantastic to deal with and work with would highly recommend to any Client or broker looking for a fantastic lender.”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
Windsor home mortgage FAQs
Owner-occupied purchases, renewals, and refinances in Windsor.
Windsor home mortgage FAQs
Next steps
Get your Windsor rate hold
Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.