The words “mortgage” and “loan” shouldn’t be scary. We prioritize putting you in great hands so you can walk away without fear. Let us help you get back to being happy about your new home.
Instead of all the negative feelings associated with mortgages, we take the strain off you so you can enjoy the idea of buying a home. We work together here in Ottawa to give you a loan that allows you to buy the house of your dreams and turn it into a home.
Whether you are purchasing your first primary residential property or refinancing, we navigate the guidelines (including CMHC and Genworth) to accommodate you better.
We provide a variety of loan types to suit your specific financial situation and goals.
The interest rate is determined from the beginning and remains the same. This supplies you with the security of knowing exactly what your monthly payments will be.
Provides flexibility on a periodic basis. Your initial monthly payment will generally be lower, but your rate may increase or decrease with the market.
Allows you to pay a part of your mortgage or the full sum of the principal at any time without any penalties. Ideal for those wanting extra flexibility.
Contrary to open mortgages, these consist of a fixed payment option so that you know exactly what your monthly payments will be and for how long.
The freedom to switch from a variable mortgage to a fixed mortgage in accordance with your specific needs. The best of both worlds.
We help with refinancing primary residences, navigating CMHC and Genworth guidelines to find solutions that accommodate you better.
Brokers access multiple lenders and provide tailored solutions, whereas banks only offer their own products. Brokers save time and often secure better rates.
Ready to start your mortgage journey? Get in touch with our experienced team today.
Our mortgage experts are here to help you navigate the mortgage process and find the best solution for your needs.
74 Colonnade Rd, Unit 2
Ottawa, ON K2E 7L2
Canada
613.523.4949
office@ottawabrokers.com
Monday - Friday: 10:00 AM - 5:00 PM
Saturday - Sunday: Closed
@bankstreetmortgage
The words mortgage and loan have always been a bit scary to some people. So much so, that it takes away from the joy of actually purchasing a home. The good news is there’s nothing intimidating here at Centum Bank Street Mortgage in Ottawa. Our mortgage brokers make it their priority to put you in great hands and keep you there. You will easily walk away without ever having to fear the words mortgage or loan again; you can trust us.
Instead of all the negative feelings associated with residential mortgage loans, we take the strain off you so that you can go back to actually enjoying the idea of buying a home. We work together here in Ottawa to give you a mortgage loan that not only allows you to buy the house of your dreams, but also turns that house into your home. The stress and pressure of everyday life is enough without you having to worry about your mortgage. Take it easy, we’ll take care of you here at Centum Bank Street Mortgage so well; we guarantee it will be one of the more enjoyable tasks in your day. Help us help you get back to being happy.
If you’re looking to purchase your first primary residential property in Ottawa, we can help you. Buying a home is not like buying an investment property and requires a different kind of attention that Centum Bank Street Mortgage can supply you with.
When refinancing your primary residential property, CMHC and Genworth have certain guidelines in which we have to abide by. Thankfully, we have other companies that allow us to do things a little differently to help accommodate you better.
If you are an existing homebuyer in Ottawa, Canada looking to purchase a new primary residence, we have programs in place to help you or we can keep your current primary residence as a rental property, which will allow us to purchase the next property at 5% down.
Let’s talk about the options we provide you with for a minute. First of all, you can choose to go with a fixed mortgage loan, which essentially means that the interest rate is determined from the beginning and remains the same throughout the payment of your mortgage. This option supplies you with the security of knowing what your monthly payments will be for the remainder of your loan payment.
Another mortgage option you have is a variable mortgage loan. This option provides flexibility on a periodic basis on the interest rate of your loan while keeping the amount of your monthly payments the same. Your initial monthly payment will generally be lower than that of a fixed mortgage loan, however, your rate may increase or decrease towards the principle amount of your mortgage payment depending on the interest rate in Ottawa.
Our next option for your residential mortgage loan is our open mortgage. This allows you to pay a part of your mortgage or the full sum of the principle at any time without any penalties, making it an ideal option for those who want that little bit extra flexibility.
Contrary to an open mortgage, we also offer closed mortgage loans. Closed mortgages consist of a fixed payment option so that you know what your monthly payments will be and for how long.
We also give our clients the option of convertible mortgage loans. This allows our clients the freedom to switch from a variable mortgage to a fixed mortgage in accordance to their specific needs. This option essentially gives you the best of both worlds with regards to financing your mortgage to better suit you.
We understand that this is a lot of information to take in and that buying a home altogether is a stressful task. That’s why here at Centum Bank Street Mortgage we make it a priority to give you honest, truthful advice that you can rely on. As mortgage brokers in Ottawa, we’re here to provide you with the best residential mortgage rates for your needs. We have many different options that allow us to place you in a position you’re comfortable in without adding financial strain to your wallet. Whether you have good credit, bad credit or unstable income, we’ll be able to find the amortization and term best suited for you.
Visit us here at Centum Bank Street Mortgage for your Ottawa residential mortgage loan and let us make sure you leave here happy and stay happy.
Attention foreign income earners! Centum Bank Street Mortgage located in beautiful Ottawa, Ontario Canada, knows how difficult it can be to finance a mortgage loan with foreign earned income. That being said, we provide you with the best service for all your needs, including those of you who earn foreign income.
Evidently, obtaining a mortgage loan with foreign income is a stressful task, especially when so many banks frown upon overseas income earners. We’re able to help you with as low as 15% down as long as you meet a few of our requirements. If you have no credit here in Canada, all we require from you is a letter from a bank overseas indicating that you are a good client of theirs. We’re even able to help clients from countries that do not have a tax system. A good thing to keep in mind is that mortgage rates do vary depending on credit and location in the city center or suburbs of Ottawa or other large cities in Ontario.
Regardless of whether you are employed by a company overseas or self-employed overseas, we have a mortgage program for you. This whole process can be, not only stressful, but also a little scary. We take the time here at Centum Bank Street Mortgage to make you feel safe and comfortable. You can walk away from us knowing that you’re in good hands with the confidence that you have professional mortgage brokers in Ottawa on your side who want to provide you with the best possible service and results.
