Guelph’s Housing Market

Guelph, a city in southwestern Ontario, has a population of approximately 130,000 and is located half an hour east of Kitchener-Waterloo and Cambridge and one hour west of Downtown Toronto.

The historic city was founded in 1827 and is one of the first towns in Canada designed to look like a European city center, with squares, broad main streets, and narrow side streets.

Guelph has all of the amenities you’d expect to find in a major city: shopping, restaurants, museums, libraries, art galleries, two hospitals, parks, and the Guelph farmers market.

Guelph also supports a number of festivals, including the Guelph Jazz Festival, Guelph Film Festival, and The Eden Mills Writers Festival.

Guelph is also home to the University of Guelph and the Ontario Veterinary College; founded in 1862, it is the oldest school of its kind in the Western hemisphere.

Thanks to its close proximity to Toronto, Guelph has become a popular place for house hunters who want more for their money.

Finding the Best Mortgage Rates in Guelph

If you’re looking for the best mortgage rates and terms in Guelph, start with a private mortgage lender like one that works with. More and more Canadians are turning to private lenders because they’re licensed and independent.

Canada’s big banks and other traditional lenders can’t say that. They can only promote their own financial products, whether it’s in your best interest or not. Because the mortgage professionals at are independent, they have access to hundreds of different lenders. That means the mortgage experts at are looking out for your best interest, and will find you the mortgage or other financial product that best suits your financial and lifestyle needs.

There’s a lot more to consider when it comes to securing a mortgage in Guelph than the interest rate. We’ll help you determine which kind of mortgage is right for you; a fixed or variable mortgage, open or closed, short or longer amortization period, and whether or not you want an accelerated repayment plan.

The mortgage professionals at will also go over the fine print with you to make sure you’re fully aware of any hidden costs or penalties.

Here’s What Offers cuts through the red tape that has made home ownership so difficult. Over the last number of years, the federal government has made it very difficult for Canadians to get on the property ladder.

At one point, you could have purchased a home in Guelph with no money down and a mortgage with a 40-year amortization period. Not now. The amortization period has been slashed to 25-years and the minimum down payment for new government-backed mortgages is now 5%.

Stricter lending rules also apply to those who do not have traditional jobs. If you’re an entrepreneur and are self-employed, or have unreliable income, or are new to Canada, it’s extremely difficult to get a mortgage with one of the big banks. They think you’re too much of a risk.

At, we have a lot more flexibility when it comes to helping you find the financial products you need.’s Financial Services

  • Mortgage for first-time home buyers
  • Second mortgages in Guelph
  • Residential mortgages in Guelph
  • Mortgages for those in Guelph with unreliable income
  • Mortgage refinancing in Guelph
  • Mortgages for those in Guelph with bad credit or no credit
  • Commercial mortgage for businesses in Guelph
  • Home equity line of credit (HELOC)
  • Mortgages & tax arrears in Guelph
  • Debt consolidation in Guelph
  • Home equity loans in Guelph
  • Mortgages for those in Guelph who are self-employed

This Is Why You Should Choose!

If you’re thinking of buying a home in Guelph, or already own one and want to consolidate debt, or refinance, or you’ve been turned down by the big lenders, for whatever reason, the licensed mortgage agents at can help.

We have access to hundreds of different lenders; that means we’ll be able to do what the big banks can’t—find a lender to suit your unique mortgage needs. In fact, there are lenders who specialize in helping those with bad credit or no credit, find a residential mortgage or other financial product.

To see what kind of mortgage or loan you qualify for, contact today or apply online and a mortgage specialist will set up an appointment for a free personal consultation at your earliest convenience.


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