Mortgage Broker Ottawa
Mortgages made simple
As an Ottawa mortgage broker with access to more than fifty lenders, we shop your file so you do not have to. Whether you are buying your first home, renewing or refinancing, you get one advisor, clear options and a closing handled in association with Marwah Law.
- Banks, credit unions and private lenders
- Fixed, variable and hybrid terms
- Free residential closing with your mortgage
- Pre-approvals that hold up at the offer table
What a broker does differently
A bank can only offer its own products. A broker compares lenders against each other and negotiates on your behalf. Because lenders pay us on funded mortgages, most residential clients pay no broker fee. We tell you up front if your file requires one.
- One application, submitted to the lenders most likely to approve you
- Advice on term length, prepayment privileges and portability, not just the rate
- A pre-approval you can rely on when you write an offer
Our residential mortgage services
Every residential product we arrange is listed below. Each page explains who it suits, what you will need and how the process works.
- Purchase: First homes, next homes and investment properties.
- Refinancing: Lower your payment or release equity for what matters.
- Construction Loans: Draw-based financing for new builds and major renovations.
- Second Mortgages: Access equity without breaking your first mortgage.
- Renewals: Do not sign the first offer. Compare before you renew.
Serving Ottawa and all of Canada
Our office is in Ottawa, Ontario, and we work with clients in every province and territory. Applications, document uploads and signatures are handled securely online, and in-person meetings are available in Ottawa.
FAQ
Common questions
How much can I qualify for?
Lenders look at your income, debts, credit and down payment, then apply the federal stress test. A pre-approval gives you a firm number. Use our calculator for a quick estimate.
What is the minimum down payment in Canada?
Five percent on the first $500,000 and ten percent on the portion above that, up to the insured limit. Purchases above the insured limit require at least twenty percent.
Do I pay for your services?
Most residential mortgages are compensated by the lender, so there is no fee to you. If a file requires a fee, for example some private or non-standard lending, we disclose it in writing before you proceed.
Get started
Tell us about your situation
Share a few details and an advisor will follow up within one business day with next steps and the documents to prepare.
Get pre-approved this week
Tell us what you need and we will tell you exactly what it takes. No pressure, no obligation.