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As a full-service mortgage brokerage in Ottawa, we handle purchases, refinancing, commercial deals, and alternative lending:
First-Time Homebuyer Mortgages
Your first purchase is easier with an experienced mortgage advisor in Ottawa. We walk you through eligibility, down payment options, and government incentives to keep costs low.
Refinancing Mortgages
Lower your monthly payment or consolidate higher-interest debt with refinancing options tailored to your financial situation. We compare terms across lenders to find real savings.
Investment Property Mortgages
Building a rental portfolio in Ottawa’s competitive market takes the right financing. We help investors structure loans that support long-term returns without overextending.
Commercial Mortgages
From multi-unit residential buildings to retail and office properties, we arrange commercial mortgage financing in Ottawa with terms built around business cash flow.
Private & Alternative Lending
If your situation doesn’t fit a traditional lending profile — self-employed, bruised credit, unique property — we connect you with private lenders in Canada who approve where banks won’t.
Over 15 years of helping Ottawa clients secure the right mortgage.
No hidden fees, clear communication, and trustworthy guidance every step of the way.
Deep understanding of Ottawa housing trends, lender requirements, and government programs.
Banks, credit unions, private lenders, and alternative financing — over 30 options.
Your goals come first. We recommend what's best for you, not what pays us more.
Check Your Credit: Even a small score improvement can lower your interest rate. Review your Equifax and TransUnion reports early.
Save for a Down Payment: Putting down 20% or more eliminates mortgage insurance and reduces your total borrowing cost.
Get Pre-Approved: A pre-approval shows sellers you’re serious, locks in your rate, and gives you a clear budget.
Compare Rates With a Broker: Don’t settle for the first offer. An Ottawa mortgage broker compares options from dozens of lenders for you.
Understand Closing Costs: Budget for land transfer tax, legal fees, home inspection, and title insurance — typically 1.5–4% of the price.
Banks offer their own products at their own rates. A mortgage broker works independently, giving you access to a full lending marketplace with competitive options. Here’s how the right broker helps:
We submit your file to multiple lenders at once, consistently securing rates below what a single bank offers.
We handle the rate comparison, the paperwork, and the lender negotiations so you can focus on your purchase.
No two borrowers are the same. We build mortgage solutions around your specific financial situation.
Our licensed team has years of experience navigating Ottawa's real estate market and lender requirements.
Ready to lock in a competitive rate and move forward with confidence? Contact Bank Street Mortgage today. Our licensed Ottawa mortgage brokers compare offers from 30+ lenders, walk you through every option, and handle the process from pre-approval to closing — with transparent service and no hidden fees.
At Bank Street Mortgage, our team of licensed mortgage brokers and agents helps Ottawa homebuyers, investors, and business owners secure financing with competitive rates, clear guidance, and personalized service for a smooth experience.
Secure the best rates for your dream home with our residential mortgage solutions.
Access equity in your home with flexible second mortgage options.
Grow your business with our competitive commercial mortgage rates.
Our licensed mortgage professionals are dedicated to helping Ottawa residents secure the best rates and terms with personalized service and hands-on guidance.
Get in touch with our experienced Ottawa mortgage brokers today and let us help you find the right financing solution for your goals.
Yes. A mortgage broker compares rates across dozens of lenders on your behalf, handles the paperwork, and negotiates with underwriters — typically resulting in a lower rate and faster approval than approaching a single bank.
For most residential borrowers, there is no direct cost. Mortgage brokers in Ottawa are compensated by the lender once your mortgage funds, so you get professional rate shopping at no charge.
A bank offers its own products at its own rates. A broker accesses multiple lenders — including that same bank — and compares options side by side, giving you a wider view of the market.
Not every broker has access to every lender. At Bank Street Mortgage, we work with 30+ lenders and have over 15 years of experience in Ottawa’s market, which keeps your options wide open.
Mortgage rates change frequently based on the Bank of Canada’s policy rate and individual lender pricing. The best way to know your actual rate is to speak with a licensed mortgage broker who can pull live quotes based on your credit, down payment, and property type.
