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Category: Industry Trends (5 posts)

May 28, 2018 @ 2:38 PM
Posted by Mel Gilbert, AMP

Regarding The Stress Test

REGARDING THE STRESS TEST. by Mel Gilbert AMP There's been a lot of talk surrounding the introduction of the 'Stress Test' for mortgages of less than 80% loan to value, which was introduced in Jan

January 20, 2017 @ 8:59 AM
Posted by Mel Gilbert, AMP

Mortgage insurance Premiums Hiked Once Again

CMHC announced early Tuesday it is increasing its loan insurance premiums effective March 17. “We do not expect the higher premiums to have a significant impact on the ability of Canadians to b

October 12, 2016 @ 11:26 AM
Posted by Mel Gilbert, AMP

Four Major Changes To Canada�s Housing Rules

Bill Curry OTTAWA — The Globe and Mail Published Monday, Oct. 03, 2016 7:16PM c Are you a first-time home buyer concerned about the housing rule changes? The Liberal gov

January 6, 2016 @ 12:12 PM
Posted by Mel Gilbert, AMP

House over $500,000? New downpayment rules in February 2016

House over $500,000? New downpayment rules in February 2016. On February 15, 2016, minimum downpayment rules are changing in Canada – for homes worth more than $500,000. The change is straightf

September 30, 2014 @ 7:24 PM
Posted by

Housing Statistics and Data

CMHC annual reports and monthly updates contain current and historical data on housing in Canada — new construction, new home prices and sales, rental statistics and the demographics o

Mel Gilbert, AMP
Mortgage Agent, Level 2, AMP

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Customer Reviews

Mel is an amazing broker! He helped out my partner and I and made our experience so much better. Thank you!

Theresa Jacinthe, London, Ont

As a Real Estate Broker in today's fast paced ever changing market I can't afford to rely on chance. I need to know that with respect to mortgage financing, if it can be done... it will be done. Mel brings over 30 years of experience to the table and understands this industry from the ground up, inside and out. Mel has the skill to get it done quickly, and the contacts to get you the best possible value every time. Sometimes it isn't what you know ... It's who you know. Do yourself a favour and get to know Mel.

Peter Sisco Broker of Record Red Door Realty Ltd. Brokerage

It has been a true pleasure to have Mel as our mortgage agent. We trust him completely - he is great to work with.

Andy Fowler, Realtor Re-Max and 2x client personally.

We spoke to two Mortgage brokers before deciding who we were going to trust with such a big purchase. Mel was by far the most knowledgeable and understanding. We weren't sure if buying our first home was going to be possible and yet Mel made it happen.

Natalia Jansen, London, Ont.

“Mel is a complete professional in every way. He worked very hard for us and we couldn’t have completed this transaction without him.”

Anandsinh Chauhan, London, Ont

I was referred from a trusted instructor to Mel. I was looking for a Mortgage, Mel looked at my info told me what I needed to do in order to accomplish my goal. I did as he said and now a owner of my own home. Thanks Mel!!

Darryl Van Soest, St Thomas, Ont

“Mel, you’re the best! Thank you very much for helping us to get the best mortgage rate. You are very honest broker and we were very lucky to have you as a broker, you worked very hard to get us what we needed. This is our first mortgage and next time we need something it's only you Mel Gilbert will be chosen and recommended. Thanks again Mel

Armend Zeneli, London, Ont.

Not only did Mel find us the best mortgage rate for the purchase of our vacation property, he was extremely attentive, efficient and professional. Mel was with us every step of the way. Highly recommend. Thank you Mel.

Deborah Burden, Ingersoll, Ont

Mel is amazing!!! Helped me when i didn't think it was possible. Takes time to listen to your needs and help you get the proper mortgage. Thanks !!!!!!

Adam Stewart, London, Ont

I have been through 2 mortgages with Mel and wouldn't have gone with anyone else! He is professional, knowledgeable and goes the extra mile to get the best rate. Mel made me feel at ease and confident that everything was in order. Thanks again Mel. Amanda

Amanda McConnell (Luckas), London, Ont

Mel was a delight to work with, a true professional. He really did go above and beyond to get me what I wanted. I would and have recommended Mel to all my family and friends. Thanks a lot Mel :-)

Jeff McNabb, London, Ont

Mel is a very caring broker who does his best to find exactly what a family needs!

Alana Haggis, London Ont.

Mel is a fantastic broker, competent and easy to work with. I have completed two deals with Mel, and could not be more satisfied. Challenges are often an inevitable part of making deals, and Mel is both skillful and patient when these arise. Don't trust your mortgage to anyone else.

Dale Butler, London Ont.

Mel was amazing and worked effortlessly to get me a mortgage in less than a week when my original one had fell through last minute. I would highly recommend you use Mel to find you the mortgage you’re looking for.

Melanie Tillotson

Mel has helped me with my mortgages needs four times. I keep going back, not only because I am confident that he'll get the best rate, but for the stellar service he provides. He is 'in the know' about all programs available and takes the time to understand your situation and make recommendations as to what would work best for each situation. He set himself a reminder to contact me when my first 5-year renewal came up and after looking at the offer I received from the bank, took over and save me tons of money! Mortgage renewal time is never stressful for me because Mel works in MY best interest and makes the process so easy. I wholeheartedly recommend him as a mortgage broker. Thanks a million Mel!

Cory Dowdell, Sarnia Ont.

Mel is fantastic. Very personable and professional. He's been our mortgage broker for 15 years and I couldn't imagine dealing with anyone else .

Sean Daye, London Ont

Mel is an exceptional Mortgage Broker. He takes the time to explain the process and his communication through the mortgage process is fantastic. Highly recommended!

Chris Johnstone, Guelph Ont

It has been a true pleasure to have Mel as our mortgage agent. We trust him completely - he has been great to work with. From the purchase of our first home to now our 3rd he has gone above and beyond to help us out.

Brandon Phillips

Mel walked us through every single step of the process, communicating clearly, always available to answer my questions either by phone or email and understanding the stress I was feeling. I have never used a broker before but would not hesitate a second to refer or use Mel again. Amazing.

Shannon McEwan, Thamesford.

Mel has changed our lives! Many years ago, my single mom and I were searching for a house in London, Ontario. We never thought it would be possible... but Mel made it possible. He found us the best house we could have asked for and we lived there for almost 10 years. Things changed and we moved to a different city. There he was again to help us out and found the best deal that worked in favour of all parties. We now have our own houses thanks to Mel. Not only is he professional, but it is evident that he really cares about his clients, and doesn't hesitate to go the extra mile. Thanks Mel - we couldn't have asked for a better mortgage broker!

Shelby Dowdell, Sarnia, Ont

Hello. I highly recommend Mr. Mel Gilbert for mortgage related purposes. He helped my parents with their mortgage. Not only did he find my parents a very good rate, he fulfilled all other aspects I look for in a professional. When we are up for mortgage renewal, I am surely going to give Mel a call.

Hassan K, Ottawa, Ont

Mel was extremely professional, and walked us through every detail, and took the time to answer all of our inane questions. Absolutely recommend his services!

Sean Young, London, Ont.

Mel went above and beyond to get us the best rate. HIGHLY recommend his Services.

Scott Van Heesch, London Ont

I've been a client of Mel's for 2x house purchases. My house renewal came along 5 years after I bought my house and they raised my lending rate. Mel took care of it by using his magic and found me a point less. Always clear, concise and helpful. More business to come from me in the future.

Bryan Haagsman, London, Ont

Mel was able to deliver the expectations that my husband and I are looking for in a broker. Was able to purchase our first home with his help.

Maria Krizane, London, Ont

Mel is the best really knows what he's doing and helps the best advice and help I could have ever received

Bill Bilicky, London, Ont

Thanks for your help with purchasing our first home and providing ongoing and repeated help when we remortgaged, it was painless and awesome. Thanks!

Kevin Wardrop, London, Ont

Mel works for you at every hour of the day it seems!. Mel worked very hard for us and had answers for us even late in the evening on weekends. Using Mel for your mortgage is like having family to help you move. Thanks!

Jacob Van Beets, Goderich, Ont

Teamed up with Mel in July of 2014, wasnt to sure about my ability to get a mortgage even a little nervous. Mel soon calmed my fears,it was like working with an old friend.Stayed in contact with me almost on a daily basis and helped me through the process of getting all the needed paper work and information that was required. Honestly I could'nt have done it with out his knowledge and expertise. If you're looking for a mortgage broker who really cares and works for you', CALL Mel Gilbert, ...thanks Mel ! me and my son could'nt be happier in our new home, you're the 'Best'...Mark & Christian Martin

Mark Martin, London, Ont

Mr Gilbert provided me with great service.

Lawnman Zagorodny, London, Ont

Mel got us our first mortgage and he's always been there when we have needed him for advice.

Dave Hickman, London, Ont

Mel is warm, and personable. He makes your experience feel like he is so focused on you. He has made my first time experience at home purchase wonderful and happy. I was being pulled around by others in the process and he came along and straightened the road . He went above and beyond to make things others did wrong in the process , right, and fast. I would recommend him to anyone anytime. A great man, with a great heart. My many thanks to you Mel for all you did for my journey into home ownership.

Karen Hamer, London, Ont

Mel was able to get me a great deal on my first mortgage. He is always professional and available to answer any questions. If you need a mortgage Mel is your guy.

Glenn Eggleton, London, Ont

Mel found us an affordable mortgage with the terms we needed. Super friendly guy and there to help with any questions you may have. He's even good for a hug when the approval comes in :-)

Richard Irvine, West Lorne, Ont

Mel and his associates helped my family purchase our first home; making the process smooth and comfortable as possible. I look forward to working with Mel in the future

Kevin Wardrop, London, Ont

Mel was a great help to me He was able to help me to find a better mortgage than the one I had. No one has ever took the time before to explain the process of how the mortgage works and Mel took the time to explain this to me. Thank-you for all of your help and support along the way.

Kari Barrett, London, Ont

Mel has helped me complete several mortgage deals over the past few years. He is professional, hard working and always keeps me informed of what is going on. Mel, I look forward to working with you again in the future.

Michael Sprayson, Campbellford, Ont

I have gone to Mel several times over the years for help finding a mortgage and he has come through every time. I am always amazed by his level of knowledge and dedication... A true professional. I never hesitate to recommend Mel to family and friends seeking a mortgage.

Rudy Michael, Toronto, Ont

Mel took care of anything. He found me a mortgage with a credit union at a great rate. I filled out my application online and he took care of the rest. I have recommended him to family and friends. He made the whole process easy and answered all my questions so I could make decisions about buying a home.

Debbie Richter, London, Ont

Mel is truly a genius with mortgages. I ran into some problems with another mortgage broker that wasn't honest as Mel and they dragged their feet. I was directed to Mel, who looked after me with the utmost professionalism and kept my best interests at heart. Not only was Mel able to find me a new mortgage, he did it within a matter of hours, with the lowest interest rate, minimum 5% down payment, and closed it in a matter of 5 days.... Just in time for my closing date on the home I agreed to purchase. I really lost faith in brokers until I was directed to Mel.

Lonnie Bernard, St Thomas, Ont

I met Mel in 2008 when I purchased my first home. I felt very comfortable talking with him. He was great at explaining the details concerning my new mortgage. 5 years later, I renewed my mortgage thru him again because I trust his capabilities to get me the best rate possible. Thank You, Mel!

Lily Bleyenberg, London, Ont

Magic Mel is simply the best at what He does. As a Real Estate Professional I depend on solid advice that I and my clients can depend on when choosing a Mortgage solution that makes good financial sense. Mel's vast knowledge and numerous connections in the business has served my client well and I will definitely be recommending his services in the future. Well done Mel !

Brian Diehl, London, Ont

Mel has handled two purchases/sales for me and I highly recommend his services. He is always professional and available to answer any questions. I found Mel to be unfailingly polite, kind and patient. I very much appreciated that we were able to complete most tasks over the phone and/or electronically saving me valuable time during the hectic purchase/sale period. Well done Mel!

Rhonda K, London, Ont