Mortgage Broker in Komoka and Kilworth, Ontario: Tyler Stiller, CPA

Tyler Stiller, CPA | Licensed Mortgage Broker (FSRA #M20002930) | Updated October 28, 2026

Short answer: I'm a CPA and licensed mortgage broker about 20 minutes away in Strathroy. I help Komoka and Kilworth buyers with new builds, move-up purchases, refinances and renewals, comparing 20+ lenders. Middlesex Centre has some of the highest prices in the London area, so the right lender and down payment plan matter more here.

Komoka and Kilworth sit together along Glendon Drive, just west of London's Byron neighbourhood. Middlesex Centre's servicing plan estimates about 2,536 people in Komoka and 3,113 in Kilworth as of 2021, and projects the two to reach about 15,800 by 2046. Large new subdivisions are planned, including Sifton's development at 10242 Glendon Drive in Kilworth. Council endorsed it in April 2026, and its zoning is now under appeal at the Ontario Land Tribunal.

What does a home cost in Komoka?

In September 2026, the average home in Middlesex Centre sold for $850,213, and the benchmark price was $756,300, according to LSTAR. Take an $850,000 purchase with the minimum down payment. You'd need $60,000 down: 5% of the first $500,000 plus 10% of the rest. The insurance premium would be 4.00% of the $790,000 mortgage, or $31,600, added to the loan. Ontario also charges 8% sales tax on that premium, about $2,528, which you pay in cash at closing.

I'm buying a new build in Kilworth. What should I know?

Plan for staged deposits, a possible 30-year amortization and new-home tax rebates. Builder deposits come due in stages, so plan the cash before you sign. Because it's a new build, you can choose a 30-year amortization on an insured mortgage (it adds 0.20% to the insurance premium). If you're a first-time buyer, you may qualify for the federal GST rebate of up to $50,000 on a new home, and Ontario has added its own HST relief on new homes. Price limits and date rules apply to both, so I'll check what your contract qualifies for.

Is Komoka on town water and sewer?

Yes, for most homes. Komoka and most of Kilworth are on municipal sewers, and the Middlesex Centre water system that serves them is supplied from Lake Huron. Parts of eastern Kilworth still use private septic, so it's worth checking before you buy an older home there.

Do I have to pass the stress test?

Yes, with almost every lender. Banks and every insured mortgage qualify you at the higher of 5.25% or your contract rate plus 2%. At a 4.5% rate, the lender tests you at 6.5%. That rule often decides how much house you can buy in Komoka. My CPA background helps when your income has more than one piece, like a salary plus a side business or rental.

Why use a broker in Strathroy instead of London?

I work with 20+ lenders, including major banks, monoline lenders and credit unions, and Komoka is about 20 minutes from my office. I aim to reply the same business day, and you can meet by phone or video and sign by e-signature.

What clients say

From my Google reviews (clients across Southwestern Ontario):

"Tyler was wonderful to work with during my mortgage renewal. His patience and expertise made the entire process feel easy and stress-free." Paula W., Google review

"He provided multiple scenarios which made our families first home purchase experience smooth." J. S., Google review

See all 129 five-star Google reviews.

Nearby areas I serve

Mount Brydges · London · All areas · My services

Call or text 519-670-3205 for a free consultation, or email tyler@stillermortgage.com.

Tyler Stiller is a licensed mortgage broker (FSRA #M20002930) with Dominion Lending Centres National Ltd. (brokerage FSRA #12360).