Stop worrying about the stress Of financing. We secure the best rates and terms so you can focus on the joy of moving into your dream home.
At Centum Bank Street Mortgage in Ottawa, we believe buying a home should be exciting, not intimidating, which is why we take the stress out of the mortgage process so you can focus on the joy of homeownership. Whether you are a first-time buyer, refinancing, or looking to keep your current home as a rental, our expert brokers provide honest advice and a wide range of flexible options—including fixed, variable, open, and convertible loans—tailored to your specific needs. We accommodate all financial situations, including those with bad credit or unstable income, guaranteeing a smooth, supportive experience that puts your peace of mind first.
Whether you are buying your first home, refinancing, or investing, we have a product that fits your financial lifestyle.
Buying a home is different from buying an investment property. We guide you through Ottawa's specific market conditions.
CMHC and Genworth guidelines can be tricky. We navigate the rules to help you access equity or lower payments.
Security Of knowing exactly What your payments Will be for the remainder of your term. No surprises.
Historically lower initial rates with flexibility. Your rate floats with the prime rate, offering potential savings.
Maximum flexibility. Pay off part or all of your mortgage at any time without penalty. Great for short term needs.
The best of both worlds. Start variable and switch to fixed later in accordance to your specific needs.
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.
