Best Mortgage Lender Ottawa Near Me

4worldlovers: Every day, my goal is to take your mortgage off your mind.

Nobody wants to get a mortgage, they only get one so they can buy a home. Finding the perfect home is what you should be focused on. I put your mortgage on my mind so it’s off yours.

There are many mortgage brokers in Ottawa, but your average broker is less likely to give you the same personal attention and relationship that I provide. Terms such as ‘mortgage rate’, ‘pre-approval’, and ‘best mortgage’ can be daunting without someone explaining them to you. I’ll break down the jargon so you can better understand your finances. Your satisfaction with your home is my first priority.

Plenty of mortgage brokers are great with numbers. The human element? Well, that can be rarer. A big investment benefits most from a big emphasis on relationships; these processes go more smoothly when an element of trust is established. Feeling at ease and relaxed means working better together, and that makes finding the ideal solution a better experience for everyone.

My name is Andrew Thake. I’m a mortgage broker in Ottawa with well over a decade’s experience, and I’m here to help you enjoy this process rather than fear it. How? By listening to you. Getting to know you. Understanding what your needs are. That way, we can develop a stronger broker-client relationship. The result? You’ll have a better, more personalized experience and get a solution that you’re happier with. It’s all in how we paint a clear picture of your requirements. Plus, you don’t have to lift a finger – that’s my job!

4worldlovers: You leverage on both expertise and experience when you choose Certified Mortgage Brokers in Ottawa. We deliver reliable services that are custom tailored to you specific needs. We offer you the following:

The minimum mortgage down payment in Canada is 5%. However, note that this really low down payment is not for everybody. It may work well for some but it may not be a good option for others.


For one thing, it is a pretty affordable option to start with. However, note that low mortgages require insurance on the possibility that you will default on your payment.

We can also arrange a 0% down payment when you purchase new property. Note that you will still be paying the minimum 5 per cent down payment but the lender will give you cash back which basically covers the 5% down payment. And voila! You now have a 0% mortgage down payment.

Believe it or not we understand that mortgage arrears can happen to anyone. They happen for a lot of different reasons. Certain causes like job loss, unexpected illness, and others can take a huge financial toll on anyone. And this is where a Mortgage Broker in Ottawa can be of service.

We listen to what you have to say and we understand your needs. We have seen good paying clients who undergo stressful situations and still get back up on their feet eventually. And that is why we are willing to assist you in paying off your mortgage. We can do that via different ways from getting a second mortgage to increasing your loan amount.

Ottawa’s Certified Mortgage Brokers (CMB) Negotiate the Best Interest Rates!

There is a significant difference in the mortgage rates Ottawa borrowers pay. The differences don’t necessarily reflect the risk inherent in the loan but the willingness of the borrower to aggressively negotiate the rates. A 2011 Bank of Canada report found that people who use mortgage brokers paid lower interest rates for their mortgages. According to the report shopping around and negotiating rates are an essential part of securing lower rates.

For the best mortgage rates, Ottawa Certified Mortgage Brokers have the answer. We use multiple lenders to find you the product that suits your budget and your loan requirements. There is a wide range of mortgage options from which you can choose. Our trained and experienced brokers will ensure that you get the best combination of rates, fees and terms.

Buying a home is the biggest investment that most people will ever make. It is therefore essential that you make the right choices when closing your mortgage deal. Interest rates can change rapidly and if you are thinking of buying a home you should do your research.

When you compare rates, make sure to do so on the same day, as they may change from day to day. A small difference in the rates can cost you thousands over the term of the loan.

Let us find you the best mortgage rates. Ottawa lenders are keen to negotiate. Do your homework before you speak to us. You can find the current mortgage rates on the Internet. There are several websites that carry information about mortgage rates offered by the big five banks and other lenders. The websites allow you to compare terms and rates. So, you can find the best mortgage rates Ottawa and in the rest of the country. You can also search by type or amortization period.

You must also decide whether you will opt for a fixed or variable interest rates. 56% of Canadians prefer the certainty of fixed rates, but research has proven that over time variable rates are lower than fixed rates.

Once you’ve done your homework discuss your needs with us. Trained and experienced brokers can help you to navigate through the terms and conditions of the various mortgages. It is our job to find you the best rate available for your loan profile. Remember that costs include more than just mortgage rates. Ottawa lenders can include conditions in the mortgage that could cost thousands unless you understand them.

We’ll discuss your financial goals with you so that we can include your plans in our mortgage strategy. When we have finished our discussions, you’ll understand the ins and outs of prepayment conditions, early payment penalties and portability. Our brokers will combine their knowledge and contacts to match you with the lender and the mortgage option that best suits your needs.

4worldlovers: Life isn’t linear – and that’s a good thing. The twists and turns, surprise detours and new beginnings makes life more exciting. The unexpected makes life worth living.

4worldlovers: Thank you for all the help- I came in feeling lost and you found me some hope. Was able to get a great mortgage and didn’t feel like I was bothering anyone. Would highly recommend.

“Thank you for everything. I felt a huge stress relief the moment I they put me at ease. Call them, you won’t regret it.”

“This was the place for me- I went for a mortgage and then was able to benefit from other services while saving a lot of money. Thank you again- I will be back.”

4worldlovers: DV Capital is a Toronto-based boutique mortgage firm providing fiercely competitive and well-structured mortgage solutions to homeowners, real estate investors, builders and developers across Ontario, British Columbia and Nova Scotia. With well over a decade of experience on ‘both sides of the fence’ originating and underwriting thousands of funded mortgage transactions, DV Capital is well positioned to represent financing requirements with efficiency, proficiency and execution.

As an established name in the alternative and private mortgage market, DV Capital is recognized as a ‘go-to’ financier for residential, multi-family, mixed-use, commercial, industrial, land, apartment buildings, retail plazas, hotel, motel, gas station and other real estate asset classes in primary, secondary and tertiary real estate markets across Ontario, British Columbia and Nova Scotia.

DV Capital provides its homeowner, real estate investor, builder and developer clients unparalleled access to an abundance of mortgage capital, products and solutions. With a relentless focus on providing concierge-style service, DV Capital’s clientele recognizes the level of passion, transparency and care shown to its clients regardless of the level of difficulty the financing requirement presents or whether the funding request has been turned down elsewhere. For well over a decade the residential and commercial mortgage brokers at DV Capital have assisted its clients with a diverse array of financing products ranging from CMHC-insured financing, alternative and private financing for all matters including bridge loans, acquisition loans, home equity loans, mortgage renewals, debt consolidation, CRA-related matters including personal, corporate, HST arrears and liens, stopping power of sales, redeeming foreclosures, custom home construction to land servicing and development loans. DV Capital provides direct private mortgage lender and mortgage broker services in Ontario, British Columbia and Nova Scotia.

DV Capital has made appearances in many of the leading mortgage industry magazines and Canadian news outlets as an informed provider of ‘boots on the ground’ insights into the Canadian Mortgage Market.

DV Capital utilizes industry-leading technology for an optimal client experience and maintains memberships with various mortgage industry organizations across Canada.

We invite you to view our insights on various mortgage related topics – feel free to contact us directly anytime.

DV Capital supports Haven Toronto, the only facility in Canada dedicated to serving elder homeless men age 50+ by reducing barriers to health care, meals and counsellors.

The only company I spoke with that was willing to help me replace one of our mortgages that was going into power of sale. Very grateful!

We’ll keep you posted on a need-to-know basis about mortgage rates, industry insights, updates and examples of recently funded mortgages. Thank you for providing us with CASL-consent to receive electronic messages, you can easily unsubscribe anytime.

4worldlovers:
There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.


While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.

4worldlovers: Centum Bank Street Mortgage has been providing all of our clients with the best rates for nearly a decade. At Centum Bank Street Mortgage, we have no commitment to any particular lenders or products; we simply recommend what is in the best interest of our valued clients. Our company relies on referrals and your repeat business so we have a vested interest in satisfying your needs.

Feeling overwhelmed and stressed with finding a mortgage? Centum Bank Street Mortgage has been delivering the best rates for hundreds of clients for nearly a decade! Finding the perfect mortgage fit for you is our business. We have connections with multiple lenders and can negotiate with many of them at a time to find the best rate for you. Here at Bank Street Mortgage we know the system and have the industry knowledge that is required to present a proposal for financing to lenders in order to successfully obtain mortgage financing. Plus, we do all the paperwork!

We have a carefully selected team of mortgage experts. Every broker has achieved high professional standards and are chosen based on their reputation as well as the range and depth of their experience in the mortgage industry. Contact us today at Centum Bank Street Mortgage, we'll do the work for you and will find you the best mortgage at the best rate!