Your Trusted Ottawa Mortgage Broker!

…a GTA based brokerage with a decade of experience under its belt.

Best Mortgage Brokers in Ottawa!

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:

5% Mortgages

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.

0% Mortgage Down 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.

Our Ottawa Mortgage Brokers Work for You!

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.

Debt Consolidation

The major strategy that we offer when it comes to debt consolidation is by getting some money off your home equity. Home equities in Canada have really low interest rates, which you can use to pay off loans that have higher interest. We can help you set things up to help you reduce the amount of interest you are already paying.

Property Mortgage Investment

Are you ready to invest in Ottawa? It is actually one of the popular investment options today in Canada. However, property investment rules in the country can be quite stringent, which is why new investors need proper guidance. In fact, even seasoned investors will need some inside info and outside advice. Give us a call today and we can furnish you with a primer on property investment in Ottawa.

To receive a consultation or an answer to your question do not hesitate to call us at +1-613-706-4656. We are here to assist you!

Getting a Mortgage Even If You Have Bad Credit

Some people might think that it is outright impossible for anyone with bad credit history to get a loan let alone a mortgage. Most folks would think that poor credit will shoot down any plans to get any kind of property in Canada. Remember that we can help you even if you have bad credit.
Here in Certified Mortgage Broker Ottawa we find ways. We have unique packages to help people with poor credit and we provide you with suitable options.

Brokers Find the Best Mortgage Rates Ottawa

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.

Your Property Your Biggest Investment

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.

Understand the Terms and Conditions

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.
Before you make your final choice, you’ll know the size of the mortgage for which you qualify, the amortization period and the monthly repayments. We can even arrange for pre-approval if you would prefer.
A broker only receives payment after the deal is closed so seeking our assistance will cost you nothing.

Call Us Today +1 (613) 706-4656

Questions? We’re here to help!

Understanding Mortgage Basics

Having a roof over one’s head is a basic necessity. You can choose to live in someone else’s home, rent one, or own one of your very own. The decision is yours and it is based on how much you can afford.
It is no secret that there are relative costs when it comes to buying and renting your home. On top of that there are emotional and other factors that come along whether you buy or even rent your home. In this section we’ll answer some of the most basic question about mortgages and how a Mortgage Broker Ottawa can help you.

What is a Mortgage?

A mortgage is a loan that you can use to buy a home or some other kind of real estate property. This loan also allows your lender to seize the property you bought with your mortgage in case you fail to pay the loan on time. Simply put, the piece of real estate you purchased serves as the collateral on your loan.

Types of Mortgages

There are two types of mortgages in Canada. The first one is called an open mortgage and the second one is called a closed mortgage.

Open Mortgage

Open mortgages allow you to make prepayments (i.e. extra payments) any time. You are also allowed to pay the entire amount even before the end of your term. Unfortunately, the interest rate for an open mortgage is higher than for a closed mortgage. Mortgages of this type are available for shorter terms such as six month to 12 month mortgage terms.

Closed Mortgage

You will have to pay a prepayment charge if you want to make any changes to the mortgage agreement in a closed mortgage. You can also make prepayments during the term of your mortgage but these are only limited, which lets you take advantage of certain low interest rates. Even with similar terms, a closed mortgage will always have a lower interest rate compared to an open mortgage.


Always used to do my mortgage through my bank but got sick of the mediocre rates and the process taking forever. Decided to go and find a broker, read some reviews and made some phone calls and ended up working with Leon and the guys at Certified Mortgage Broker. Not only do they find better rates but they are always easy to reach and take you through the process step by step and answer any questions you have.
Frederick Nelson
Frederick Nelson
02:15 15 Feb 18
Best mortgage brokers I’ve ever worked with, getting a second place soon and will definitely use leon and his team again.
Johnny Winters
Johnny Winters
04:57 16 Feb 18
Excellent customer service, no hidden or unexpected fees, very transparent, they keep you updated along every step of the way and always pick up the phone or call back within minutes. VERY professional and honestly exceeded all of my expectations. Not to mention they have the lowest rates I’ve seen.
Lucy Franklin
Lucy Franklin
04:35 21 Feb 18
Leon and his team have been nothing but amazing since we started working with them. They took the time to explain the whole process and how it works. He then sat down and we figured out what mortgage would work best for us. Extremely patient and understanding, honestly can’t recommend these guys enough.
Emil Chase
Emil Chase
01:33 21 Sep 17
The guys at certified mortgage broker were amazing to work with, from the first phone call to signing the closing they were nothing but kind, helpful and professional. Planning on getting another mortgage this year, definitely gonna go with these guys again.
Tomol Donaldson
Tomol Donaldson
04:52 24 Feb 18

Ottawa Mortgage Frequently Asked Questions

mortgage questions What is a Mortgage Term?

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.


You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

mortgage questions What is a Down Payment?

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.


Give us a call or email us to schedule your appointment