Your Trusted Mortgage Broker in Ottawa for Easy Approvals
From securing your first mortgage to building your investment portfolio, our Ottawa mortgage experts offer tailored advice and competitive rates to help you succeed.
Simplify Your Mortgage Journey with a Top Broker in Ottawa
Buying a home in Ottawa is exciting, but it can also feel a little overwhelming. There are so many mortgage options, programs, and local details to keep track of that it is easy to get stuck. At AJP Mortgage, we help make it simple and straightforward.
We take the time to explain your options in plain language, point out programs or incentives you could qualify for, and share honest advice about the Ottawa market.
We work with first-time buyers, people refinancing, and anyone planning their next move. Our goal is to take the stress out of the process so you can focus on finding the right home. We help you understand the numbers, plan for future costs, and even look at how different neighborhoods might fit your lifestyle.
With us, you are not just getting a broker, you are getting a partner who genuinely cares about helping you make smart decisions. We guide you every step of the way so buying a home in Ottawa is exciting, manageable, and something you can really enjoy.
Why Choose AJP Mortgage in Ottawa?
Your trusted partner for simple, stress free mortgages in Ottawa.
At AJP Mortgage, we’re proud to be known as one of the best mortgage brokers in Ottawa. We don’t just arrange mortgages. We take the time to understand your goals and guide you through every step so it all feels simple.
- We create personalized mortgage strategies for first-time buyers, investors, and repeat buyers
- We help you access the most competitive Ottawa mortgage rates
- We guide you through government incentives and first-time buyer programs
- We make mortgage pre-approvals and applications easy to understand
- We give advice on budgeting, future costs, and planning ahead
- We help with refinancing and using your home equity wisely
- We break down complex mortgage rules so you know exactly what to expect
- We share local insights so you can make smart decisions about neighborhoods and property values
With us, you’re not just getting a broker. You’re getting a partner who genuinely wants to make buying or refinancing your home in Ottawa as smooth and stress free as possible.
Mortgage Services We Offer in Ottawa
From first-time homebuyers to refinancing experts, we provide personalized mortgage services in Ottawa to make every step simple and stress free.
First-Time Homebuyer Mortgages in Ottawa
Buying your first home can feel overwhelming. A first-time homebuyer mortgage Ottawa can make it easier and more affordable. We help you understand government programs, HST rebates, and incentives, and guide you on down payments, budgeting, and Ottawa neighborhoods.
Refinancing & HELOC Options
If you own a home, mortgage refinancing Ottawa or a HELOC can help you save money or access your home’s equity. We guide you on rates, terms, and smart ways to use your equity for renovations, investments, or debt consolidation.
Investment Property Mortgages
Buying an investment property takes planning. We help with down payments, lender requirements, cash flow, and ROI, so your investment makes sense financially.
Mortgage Pre-Approval in Ottawa
Getting a mortgage pre-approval Ottawa shows you how much you can borrow and strengthens your offer. We guide you through the steps, help with documents, and make the process simple so you can shop for a home with confidence.
Ottawa Mortgage Rates & Market Insights
Understanding Ottawa mortgage rates helps you make smart decisions. As of August 2025, 5-year fixed rates range from 4.09% to 6.09%, with variable options also available.
Home prices in Ottawa are growing, with the average around $695,000. Neighborhoods vary:
- Kanata: Family-friendly, near tech hubs
- Orléans: Affordable homes, good schools
- Barrhaven: New developments, great for young families
- Downtown Ottawa: Urban living, close to work and amenities
Our Ottawa mortgage services include first-time buyer guidance, refinancing and HELOC options, investment property mortgages, and pre-approval help. We make the process clear and stress-free, so you can make confident decisions.
Common Mortgage Mistakes Ottawa Buyers Make
Buying a home in Ottawa is exciting, but small mistakes can cost you money or create stress. Here are the most common ones to avoid.
Not Getting Pre-Approved
Starting your home search without a pre-approval makes it easy to fall for homes outside your budget and weakens your offer.
Forgetting About Closing Costs
Many buyers focus only on the down payment and forget legal fees, land transfer tax, and moving costs that can add up quickly.
Only Checking Bank Rates
Relying on just one bank often means missing better deals. A broker compares multiple lenders to find the right fit for you.
Stretching the Budget Too Far
Buying at the top of your budget may feel exciting but can lead to financial stress later. Comfort matters more than maxing out.
Missing Out on Refinancing
Life changes and so do mortgage rates. Skipping refinancing opportunities can mean paying more than you need to over time.
Not Asking Enough Questions
Mortgages have lots of details, and skipping questions can create surprises. Asking early keeps the process clear and stress-free.
How to Choose the Right Mortgage in Ottawa?
Find the mortgage that fits your goals, stress free, in Ottawa
Choosing the right mortgage in Ottawa means looking at a few important things. Think about your down payment, the term length, and whether a fixed or variable rate fits your situation. Don’t forget to check out government incentives, especially if this is your first home.
Tips for different buyers:
- First-time buyers: Look for programs and rebates that make upfront costs easier.
- Repeat buyers: Focus on your goals, equity, and refinancing options.
- Investors: Pay attention to cash flow, ROI, and lender requirements.
Every situation is different. Talking with AJP Mortgage can help you find a mortgage that works for you. We explain your options clearly and guide you so you can make confident decisions.
Step-by-Step Ottawa Mortgage Process
Buying a home in Ottawa feels easier when you know what’s coming next. Here’s how we guide you through it:
Discovery & Budget Planning
We start by talking about your goals and budget. This helps you see what’s realistic and sets you up for the home search.
Mortgage Pre-Approval
We get you pre-approved so you know your price range. It also makes your offer stronger when you find a home you love.
Home Search Support
As you look at homes with your realtor, we’re here to run numbers, answer questions, and make sure you stay on track.
Mortgage Application
Once you pick a home, we help you fill out the application and collect the paperwork so nothing gets missed.
Lender Review
The lender checks your file and may ask for a few more details. We handle the back-and-forth to keep things moving smoothly.
Final Approval & Preparation
Your approval comes through and we walk you through the final steps so you’re ready for closing day.
Closing Day
You sign the papers, funds are transferred, and the keys are yours. Time to celebrate becoming a homeowner.
Ongoing Support
Even after closing, we’re here if you want to renew, refinance, or just get advice on your mortgage.
Meet Andrew Patricio
Ottawa Mortgage Expert (FSRA #123456)
Andrew Patricio is an Ottawa-based mortgage expert who helps people buy, refinance, and plan their home financing with confidence.
Key qualities:
- Makes the mortgage process simple and stress fre
- Takes the time to understand your goals
- Guides first-time buyers and experienced homeowners alike
- Helps you explore all your mortgage options
- Supports you at every step so you feel confident
Ottawa Mortgage Programs & Incentives Guide
When you’re buying a home in Ottawa, every dollar counts. Luckily, there are programs and rebates that can make things a little easier. Here are some of the main ones you should know about:
First-Time Home Buyer Incentive
If this is your first home, the government can chip in with a shared equity loan. It lowers your monthly payments without you needing a bigger down payment.
Land Transfer Tax Refunds
Buying in Ontario means paying land transfer tax, but first-time buyers can get some of it back. In Ontario that’s up to $4,000, plus Ottawa has its own rebate to help with local costs.
HST New Housing Rebate
Buying a new build or doing big renovations? You may get part of the HST back. This rebate can save you a good chunk of money on new construction homes.
CMHC Green Home Program
If your home is energy efficient, you could get a partial refund on your mortgage insurance premium. It’s good for your budget and for the environment.
Contact AJP Mortgage
Your Ottawa Mortgage Experts
Looking for the best mortgage rates in Ottawa or ready to get pre-approved? Whether you’re buying your first home, refinancing, or exploring your options, we’re here to help every step of the way.
📍 Have questions right now? Reach out to us directly by phone, email, or through our contact form. Our team will get back to you quickly.
- Contact Form: ajpmortgage.com/contact
- Phone: +1 (844) 354-3033
- Email: info@ajpmortgage.com
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
Who’s the best mortgage broker in Ottawa?
Honestly, the best broker is the one who actually takes time to understand you, not just push a deal. At AJP Mortgage, we sit down, listen to what you need, and explain everything in plain language so you don’t feel lost in the process.
How much mortgage can I get in Ottawa?
There’s no one-size-fits-all answer. It depends on your income, credit score, debts, and how much you’ve saved for a down payment. We can run the numbers with you so you know what’s realistic before you even start house shopping.
Are there perks for first-time buyers in Ottawa?
Yes! There are programs like the First-Time Home Buyer Incentive, HST rebates on new builds, and land transfer tax refunds. They can cut down your upfront costs a lot, which makes that first purchase way less stressful.
How do I refinance a mortgage in Ottawa?
Think of refinancing like hitting the reset button on your mortgage. You swap your current one for a new one that usually has a better rate or terms that fit your life now. We’ll show you what your options look like and whether it’s worth it for you.
What neighborhoods are good for first-time buyers in Ottawa?
It depends on your vibe. Kanata, Orléans, and Barrhaven are great if you’re after more space and family-friendly living. If you want city energy, downtown Ottawa is where you’ll find condos, walkability, and tons of restaurants and shops.
What’s the deal with mortgage pre-approval?
Pre-approval is basically your budget in writing. It tells you how much the bank will lend you and locks in your rate for a while. Sellers also take you more seriously when you already have it, so it makes your offer stronger.
Out of 5
What Our Clients Say
We Finally Bought Our First Home!
As first-time homebuyers, we were nervous about the process. AJP Mortgage guided us step by step, explained all the programs we qualified for, and made everything easy to understand. Thanks to them, we got our dream home in Kanata!
Emiley & James Luke
Refinancing Was Easier Than We Expected
We wanted to refinance to lower our monthly payments. AJP Mortgage helped us compare options and guided us through the paperwork. Their expertise made refinancing simple and stress-free.
Mark Richards
Confident About My Investment Property
I was buying an investment property and worried about cash flow and ROI. The team at AJP Mortgage explained everything clearly and helped me choose the right mortgage for my situation. I feel confident about my investment.