Mortgage broker in Ottawa.
Our mortgage broker in Ottawa places federal-employee and contractor files, Kanata tech RSU and bonus income, Glebe and Westboro infill purchases, and suburban detached through Barrhaven and Orléans — Ontario's second-largest urban mortgage market and one of its most stable.
Ottawa's market spans Glebe and Westboro infill, historic downtown condo, and suburban family stock through Kanata, Barrhaven, and Orleans. Federal government and contractor employment dominates and keeps the market unusually stable through cycles, while the Kanata tech corridor adds a steady mix of bonus and RSU income files. Move-up activity across established neighbourhoods is constant.
Files we close in Ottawa
- →Federal government and contractor employee files
- →Kanata tech RSU and bonus-income files
- →Glebe and Westboro infill purchases
- →Suburban family-detached in Kanata, Barrhaven, Orléans
- →Refinances to consolidate against Ottawa equity
Ottawa mortgage services
The full Mortgage Guru lineup is available in Ottawa — every pillar, every program, every niche lender — structured and managed by Ramin on a co-brokered basis with a locally licensed brokerage.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
See the full program list on our Residential, Commercial, and Construction pages.
Neighbourhoods we serve in Ottawa
Federal-contractor and tech RSU income is treated very differently from one lender to the next - we place these files where the full income counts toward qualifying, not where it gets discounted.
Ottawa mortgage FAQ
Can you finance Ottawa public-service / government employee files?+
Yes. Federal public-service income and pension files are straightforward but security clearances and unique pay structures can confuse banks. We know how to document this properly.
Do you handle Ottawa Glebe, Westboro and New Edinburgh heritage homes?+
Regularly. Ottawa has significant heritage stock — we use lenders that handle heritage designation and don't auto-decline older construction.
What about Ottawa-Gatineau cross-border (Quebec) considerations?+
Common. Many Ottawa buyers also consider Gatineau. We arrange financing on both sides of the river and explain the property-tax and stamp-duty (welcome tax) differences.
Do you arrange private and second mortgages in Ottawa?+
Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in Ottawa through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.
Can you set up a reverse mortgage (CHIP / Equitable PATH) in Ottawa?+
Yes. Ottawa — especially Rockcliffe Park, the Glebe and Manor Park — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.
Is Manulife One a good fit for Ottawa homeowners?+
Often, yes. Ottawa has a high concentration of dual-income professionals, business owners and investors carrying meaningful cash balances alongside the mortgage. Manulife One collapses your chequing, savings, mortgage and HELOC into one account, so every dollar sitting in cash offsets mortgage interest daily — frequently saving 5–7 years of amortization for clients with strong cash flow. The rate premium over a plain mortgage is real, so we model it against your actual deposit patterns before recommending it. If the math doesn't work we'll tell you, and we'll often pair it with a readvanceable structure instead.
Ready to move your file forward?
Tell us about your situation and we'll get back to you within one business day. No obligation.
Contact Us →