Local Mortgage Broker
Mortgage broker in Ottawa, Ontario
Helping Ottawa buyers, refinancers, and renewers across Ontario. Free service. Same-day pre-approvals. Speaks English, Hindi, Punjabi.
See how Rahul helps buyers across Ontario.
★★★★★ 320+ five-star reviews · NS Broker #3000996 · NB License #260008857 · AB RECA #LIC-00668583 · BC Broker #MB612306 · Ontario License #M26001833 (FSRA) · 50+ lenders · Free service
Licensed in Ontario — License #M26001833 (FSRA). Also licensed in NS, NB, AB & BC.
What to expect buying in Ottawa in 2026
Ottawa is Ontario's second-largest city with roughly one million residents and the most employment-stable housing market in the province. Federal public service, the Kanata North tech corridor, uOttawa and Carleton, and a large healthcare sector keep demand steady through rate cycles that hit Toronto much harder. Detached homes typically run $700K–$950K in Barrhaven, Kanata, Orléans, and Riverside South, with condo and townhome product in Centretown, Hintonburg, and Westboro from about $400K.
Unlike Toronto, Ottawa charges no municipal land transfer tax — you pay only the provincial Ontario LTT, and first-time buyers can claim up to $4,000 back. That single difference makes Ottawa's cash-to-close meaningfully lighter than a comparable GTA purchase, and it's one of the reasons the market keeps drawing relocating families.
Rahul is Ontario-licensed (License #M26001833, FSRA) and handles Ottawa files remotely — secure upload, e-signed commitments, evenings and Saturdays on Eastern time.
Services we offer in Ottawa
First-time home buyers
Down payments, the FHSA, HBP, and getting your offer accepted.
Learn moreSelf-employed mortgages
T1 doesn't tell the whole story. We find lenders who get it.
Learn moreNew to Canada mortgages
PR, work permit, foreign income. Service in English, Hindi, Punjabi.
Learn moreBad credit & complex files
B-lenders, private lenders, and credit rebuild paths.
Learn moreRefinance
Pull equity, consolidate debt, fund a renovation.
Learn moreRenewal
Don't auto-renew. We shop your renewal 4 months out.
Learn moreLocal context that matters
Ottawa neighbourhoods we serve
- Barrhaven
- Kanata
- Orléans
- Riverside South
- Centretown
- Hintonburg
- Westboro
- The Glebe
- Nepean
- Stittsville
- No municipal land transfer tax in Ottawa — only the provincial LTT, with up to $4,000 back for first-time buyers.
- Federal public service and CAF income is pension-backed and underwrites cleanly — we know which lenders price it best.
- Relocation and posting timelines handled — including bridge financing when your closing dates don't line up.
- New-build progress-draw mortgages in Barrhaven, Riverside South, Kanata, and Stittsville are routine here.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
Nearby areas we also serve
What Ottawa clients say
“Posted to Ottawa on short notice with our old place still unsold. Rahul arranged bridge financing so we closed on the Barrhaven house without a rushed fire sale back home.”
“New build in Riverside South with three progress draws and a builder who kept shifting the date. Rahul managed the rate hold and the draws so we never lost the rate.”
Why Ottawa homeowners choose Rahul
- Licensed in Ontario (License #M26001833, FSRA) — fully credentialed for Ottawa mortgages.
- Federal public service, CAF, and healthcare income underwritten by lenders who price stable pensionable income properly.
- Bridge financing and relocation timelines handled without drama.
- New-build progress draws and long rate holds managed end to end.
- Free, lender-paid service across 50+ lenders — evenings and Saturdays available.
FAQ
Does Ottawa have a municipal land transfer tax like Toronto?
No. Ottawa buyers pay only the provincial Ontario Land Transfer Tax. On a $750,000 purchase that's roughly $11,475, and first-time buyers can claim up to $4,000 back. Toronto's second municipal tax does not apply anywhere outside the City of Toronto.
Do federal public service and CAF incomes help my approval?
They do. Indeterminate federal employment and CAF service are among the cleanest income types to underwrite — stable, pensionable, and well understood by every lender. Term and casual contracts need a bit more history, and we know which lenders will count them.
Can you handle a new-build in Barrhaven or Riverside South?
Yes. New-build purchases usually need a longer rate hold and, for some builders, progress-draw financing. We start those files early, keep the hold alive through builder delays, and requalify only if something material changes.
What if I'm being posted and my closing dates don't line up?
That's bridge financing, and it's routine. If your purchase closes before your sale, a bridge loan covers the gap for a few days or weeks. We arrange it alongside the main mortgage so there's one file, not two.
Are you actually licensed in Ontario?
Yes — Ontario mortgage broker/agent License #M26001833 with FSRA, plus Nova Scotia (#3000996), New Brunswick (#260008857), Alberta (RECA #LIC-00668583), and British Columbia (#MB612306, BCFSA).