Skip to content
service

Mortgage Broker in Windsor, Ontario

LendCity is headquartered right here in Windsor. We help local homeowners and investors find the right mortgage across 50+ lenders — with rates that beat what the banks offer.

Book a Strategy Call Apply Online
1

Strategy Call

Discuss your mortgage and investment goals

2

Custom Solution

We shop 50+ lenders for the best fit

3

Fast Approval

Pre-approved in as little as 24-48 hours

Our Home Base

Windsor Is Where We Started — and Where We Stay

LendCity was founded in Windsor, Ontario. This is our home. We're embedded in the community, we understand the local market, and we use our network of 50+ lenders to get Windsor residents the best mortgage rates available.

Windsor
Headquartered
50+
Lender Partners
3 Countries
Canada, USA & Mexico
15+
Years Experience

Windsor Headquarters

Our head office is right here in Windsor, Ontario. We know this market inside out — the neighbourhoods, the property values, and the local economy driving growth in the region.

50+ Lender Network

We don't work for one bank. We shop your mortgage across Canada's top banks, credit unions, monoline lenders, and alternative financiers to find you the lowest rate and best terms available.

Investment Property Specialists

Windsor's affordable housing stock makes it one of Canada's best markets for rental property investing. We structure financing for single-family rentals, duplexes, and multi-unit buildings.

Competitive Rates

We shop your mortgage across Canada's top banks, credit unions, and alternative lenders to find the lowest rate and best terms for your situation.

First-Time Buyers & Growing Families

Windsor is one of the most affordable cities in Ontario. We guide you through CMHC insurance, down payment programs, and the stress test so you can buy with confidence.

Self-Employed & Alternative Lending

Windsor has a strong entrepreneurial community. If the banks have turned you down, we work with private lenders who look at your full financial picture.

Ready to speak with a Windsor mortgage broker?

Book a free strategy call with our local team — no obligation.

Book a Strategy Call
Our Services

Mortgage Solutions for Windsor and Beyond

From buying your first home in Walkerville to building a rental portfolio across the city, we provide every type of mortgage financing Windsor residents need.

Home Purchase

Windsor is one of the most affordable cities in Ontario — and we know every neighbourhood. Whether you're a first-time buyer in Riverside or upgrading to South Windsor, we find you the best rate across 50+ lenders.

Explore Home Purchase Options

What's Included

  • As little as 5% down with CMHC insurance
  • First-time buyer program guidance
  • Pre-approval in 24-48 hours
  • Local knowledge of Windsor neighbourhoods
  • Fixed and variable rate options

Investment Property

Windsor's rental market is strong — low purchase prices and solid rents make the numbers work. We structure financing for single-family rentals, duplexes, triplexes, and apartment buildings across the city.

See Investment Financing Options

What's Included

  • Rental income used for qualification (50-80%)
  • DSCR loan options for investors
  • Single-family to large multi-unit
  • Portfolio mortgage solutions
  • Cash flow analysis included

Refinance

If you own property in Windsor, refinancing can lower your rate, access equity for renovations or investing, or consolidate high-interest debt. We analyze the numbers to make sure it actually makes sense.

Explore Refinance Options

What's Included

  • Rate and term refinancing
  • Cash-out up to 80% LTV
  • Debt consolidation
  • Blend and extend options
  • Penalty buyout analysis

Self-Employed

Windsor has a growing base of entrepreneurs and small business owners. If your tax returns don't tell the full story, we work with lenders who accept bank statements, stated income, and business financials.

See Self-Employed Solutions

What's Included

  • Stated income programs
  • Bank statement verification
  • Business financial analysis
  • Gross-up programs for declared income
  • Alternative documentation accepted

DSCR Loans

Qualify based on the property's rental income — not your personal income. DSCR loans let Windsor investors scale their portfolios without running into traditional income limits.

See How DSCR Loans Work

What's Included

  • Qualify on rental income, not personal income
  • Available for residential and commercial properties
  • No income documentation required
  • Multi-unit and commercial properties
  • Scale your portfolio without income caps

Windsor Mortgage Market Insights

As Windsor's premier mortgage brokerage, we've seen the local market evolve from a hidden gem into one of Canada's most competitive investment hubs. Factors like the NextStar Energy battery plant and the Gordie Howe International Bridge are driving significant growth across all Windsor neighbourhoods.

Whether you're looking for the best mortgage rates in Windsor Ontario or you're a first-time home buyer in Windsor Ontario, our team provides the localized expertise you won't find at a national bank. We also specialize in specialized strategies like cross-border investing between Windsor and Detroit.
Trusted by Investors

What Our Clients Say

Loading reviews...
FAQ

Questions About Mortgage Solutions for Windsor and Beyond

Everything you need to know about mortgage solutions for windsor and beyond.

Windsor Mortgage Basics

Your bank only offers their own products. As mortgage brokers, we shop your application across 50+ lenders — banks, credit unions, and alternative financiers — to find the lowest rate and best terms. We save most Windsor clients thousands over the life of their mortgage by finding the perfect fit for their specific situation.
For a primary residence, as little as 5% down for homes under $500,000. For homes between $500,000 and $999,999, you need 5% on the first $500,000 and 10% on the remainder. Investment properties typically require 20% down. We also help you explore down payment assistance programs available to Windsor residents.
Mortgage rates in Windsor follow national trends but can vary based on the lender's interest in the local market. Because we work with over 50 lenders, including local credit unions and national banks, we can often secure rates lower than what you see advertised. Contact us for a real-time quote based on today's market.
Windsor has higher property tax rates than the GTA, but significantly lower purchase prices. This means your total monthly payment is often lower than in a more expensive city, even with the higher tax rate. We factor local property taxes into your qualification math to ensure you're budgeting accurately.
Our headquarters is located right here in Windsor, Ontario. We are deeply committed to the local community. While we serve clients across Canada, our heart and main operations are in the Rose City.

Windsor Real Estate Investing

Absolutely. Windsor has historically been one of Canada's most affordable markets with strong rental demand. Major projects like the NextStar Energy battery plant and the Gordie Howe International Bridge are driving long-term economic growth, making it a prime location for both cash flow and appreciation.
The NextStar Energy battery plant is a multi-billion dollar investment creating thousands of jobs. This is driving significant demand for both rental housing and primary residences, particularly in the east end and surrounding areas. We help investors identify neighborhoods likely to see the most direct benefit.
Yes. We are one of the few brokerages in Windsor with a dedicated commercial lending team. We finance apartment buildings, office spaces, retail plazas, and industrial properties across Essex County.
Yes! Many of our clients live in Windsor and invest in Detroit, or vice versa. We specialize in cross-border financing and can help you navigate the unique challenges of lending across the border.

Process & Local Expertise

First-time buyers are a huge part of our business. We guide you through the entire process, from understanding the stress test to accessing the First-Time Home Buyer Incentive and Land Transfer Tax rebates.
Yes. Having a local team is critical. We can connect you with Windsor's best real estate lawyers, home inspectors, and even property managers if you're an out-of-town investor. Our local network ensures your transaction goes smoothly from offer to closing.
We pride ourselves on speed. For most files, we can get a pre-approval in 24 to 48 hours, so you can make competitive offers in Windsor's fast-moving market.

Still have questions about mortgage solutions for windsor and beyond?

Talk to an Expert