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Mortgage Broker Windsor — Investment & Commercial

Looking for a mortgage broker in Windsor who understands investors? LendCity is headquartered here. We shop 50+ lenders for rental portfolios, multi-family and commercial financing, plus home purchases and refinances — with structures banks rarely offer.

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.

  • № 01

    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.

  • № 02

    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.

  • № 03

    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.

  • № 04

    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.

  • № 05

    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.

  • № 06

    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?
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.

  • 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
Explore Home Purchase 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.

  • 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
See Investment Financing Options

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.

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

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.

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

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.

  • 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
See How DSCR Loans Work
Ready to Take the Next Step?
Overview Deep dive

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.

“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…”

River Schauber

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“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…”

Camille Jordaan

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“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

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“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

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“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

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“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”

Rose Laflamme

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“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…”

Margaret Z

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“LendCity provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”

Savanna Campbell

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FAQ Q & A

Questions About Mortgage Solutions for Windsor and Beyond

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

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

Book a free strategy call at /book-strategy-call/ or start your investment financing application online at /apply/. Prefer the phone? Call 1-226-783-1640. We handle investment, commercial, and residential files from our Windsor HQ.
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 FHSA, Home Buyers' Plan ($60K RRSP withdrawal), 30-year amortization for all first-time buyers and new-build buyers, 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.

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 $1,499,999, you need 5% on the first $500,000 and 10% on the remainder. For homes $1.5 million and above, 20% down is required. Investment properties also 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 Mortgage Basics (Continued)

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.
Still have questions about mortgage solutions for windsor and beyond?

Ready to Take the Next Step?

Our team of experts is here to help you find the best financing solutions for your goals.

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