There’s a moment every homeowner remembers forever—the first time you hold the keys to your own place. That feeling of pride, accomplishment, and belonging. At Bank Street Mortgage, we believe getting there shouldn’t feel overwhelming.
For over 15 years, we’ve been helping Ottawa families navigate residential mortgages with confidence. We’re not just mortgage brokers, we’re your partners in one of life’s most important journeys.
Finding the best mortgage rates Ottawa has to offer isn’t about luck—it’s about having an expert who knows where to look. Banks only show you their products, but as an independent Ottawa mortgage broker, we compare offers from over 200 lenders.
Why we deliver better rates:
We negotiate with multiple lenders on your behalf
Access to exclusive broker-only rates
No loyalty to any institution, just loyalty to you
The difference between a good rate and a great rate can save you tens of thousands over your mortgage lifetime. Residential mortgage rates change constantly, but our commitment to getting you the best deal never does.
We understand that first-time home buyers in Ottawa face unique challenges—saving for a down payment, understanding CMHC insurance, and navigating the competitive market.
How we help first-time buyers succeed:
We explain every step in plain language. This is your dream home, and you deserve to understand exactly how your home mortgage Ottawa works.
You might qualify for as little as 5% down payment programs. We'll show you all available options, including government incentives and first-time buyer programs.
Get mortgage pre-approval Ottawa before house hunting. You'll know exactly what you can afford, and sellers will take your offers seriously.
Life doesn’t stand still, and neither should your mortgage. Maybe you’ve built equity and want to access it. Perhaps interest rates have dropped. Or maybe you’re consolidating debt to reduce stress.
Ottawa mortgage refinancing allows you to renegotiate your residential home financing to better suit your current needs. We specialize in navigating CMHC and Genworth guidelines to maximize your benefits.
Common refinancing scenarios:
Accessing home equity for major expenses
Switching from variable rate mortgage to fixed rate mortgage
Consolidating high-interest debt
Removing a co-signer or ex-spouse
Switching lenders at renewal for better terms
Refinancing isn’t just about numbers, it’s about creating breathing room in your budget and peace of mind in your life.
Lock in your rate for security and budget predictability. Your rate won't change regardless of market fluctuations.
Start with historically lower rates that fluctuate with prime. If rates drop, so does your payment.
Maximum flexibility to pay off your mortgage anytime without penalty. Great for short-term needs
Start variable and convert to fixed later without penalty. The best of both worlds. We don't push you toward any particular residential mortgage Ottawa product. We listen to your goals, then recommend options that align with your life.
You’re not a number, and your mortgage shouldn’t treat you like one. Bank Street Mortgage has built our reputation on treating every client as an individual.
We’ve successfully secured mortgages for:
For over 15 years, families across Ottawa have trusted Bank Street Mortgage to help them achieve homeownership.
We’ve celebrated thousands of “key day” moments, from young couples buying their first condo to retirees downsizing to their forever home.
Your home is more than a financial transaction, it’s where you’ll build memories, raise your family, and create your life. We treat your home mortgage Ottawa with the care and attention it deserves.
Ready to start your journey? Contact Bank Street Mortgage:
Call: 613-523-4949
Email: office@ottawabrokers.com
Visit: 74 Colonnade Rd, Unit 2, Ottawa, ON K2E 7L2
Let us help you turn your dream of homeownership into your address.
Best mortgage rates Ottawa change daily based on Bank of Canada policy and market conditions. Contact Bank Street Mortgage for today’s rates, we’ll show you real offers from multiple lenders specific to your situation, not generic posted rates.
Most brokers in Ottawa are For first-time home buyers, you can purchase with as little as 5% down on homes up to $500,000. For homes over $1 million, you need 20% down. We’ll explain how down payment size affects your mortgage insurance costs and overall affordability.
Fixed rate mortgages provide payment certainty and protection from rising rates. Variable rate mortgages typically start lower and could save money if rates remain stable. We’ll walk through scenarios showing how each option performs in different rate environments
Mortgage pre-approval Ottawa can happen within 24-48 hours. Full approval typically takes 5-10 business days once you have an accepted offer. We expedite the process by ensuring your application is complete and submitted to the right lenders from the start.
Yes. Bank Street Mortgage specializes in bad credit mortgage Ottawa solutions. We work with lenders who evaluate your complete financial picture, not just your credit score. We’ve helped hundreds of Ottawa residents with credit challenges to secure home financing.
