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 or refinancing in Ottawa? It can feel like a lot. But that’s exactly what we’re here for.
At AJP Mortgage, we keep things simple. No confusing terms, no pressure. Just real advice that makes sense for your situation.
Whether you’re buying your first place, renewing your current mortgage, or looking to tap into your home’s equity, we’ll help you understand your options and find the right fit.
We’ve helped all kinds of people in Ottawa. Young couples, growing families, newcomers, and self-employed business owners. Everyone’s situation is different, so we take the time to listen and guide you through each step.
You don’t need to figure this out on your own. Let’s make it easier, together.
Why Work with a Mortgage Broker in Ottawa?
Your Shortcut to the Best Mortgage Deals in Ottawa.
- Local Expertise You Can Trust: We know Ottawa well so you find the right home and mortgage fit.
- Wide Lender Network: We connect with many banks, credit unions and private lenders to get you good options.
- Tailored Advice: We look at your goals, income and plans to guide you step by step.
- Hassle Free Process: We handle paperwork and updates so you stay relaxed.
- Ongoing Support: We stay by your side even after your mortgage closes for any questions or future planning.
- Better Rates and Terms: We compare offers so you get a deal that suits your needs.
- Options for Every Buyer: We help first time buyers, self employed newcomers and investors.
- Fast Pre Approval: We make approvals quickly so you can shop with confidence
Core Services We Offer
As a trusted mortgage broker in Ottawa, we offer loan programs tailored to your unique business needs. We also provide smart mortgage renewal strategies to keep your financing competitive as your business grows.
Mortgage Pre-Approval
We help you get pre-approved by reviewing your income, credit, and debts. It gives you a clear budget and makes your offer stronger when buying in Ottawa.
Home Purchase Mortgage
Whether it’s your first home or your next, we guide you through down payment planning, using your RRSP or FHSA, and help you understand Ontario programs like the land transfer tax rebate. We also explain fixed vs variable rates based on Ottawa’s market.
Mortgage Refinance and Renewal
Thinking about refinancing? We help you decide if it’s the right time, whether it’s to lower your rate, free up equity, or consolidate debt. We also help you review renewal options before going back to your lender.
Home Equity Line of Credit and Second Mortgages
We explain HELOCs in plain terms and show how they can help with renovations, bridge financing, or emergency needs. Need one lump sum? We break down how second mortgages work too.
Investment Property Financing
Looking to buy a rental in Ottawa? We walk you through what lenders need, how much down payment is required, and how rental income is calculated. We also share tips on growing your property portfolio.
Self-Employed Borrower Solutions
If you’re self-employed, we help you show your income clearly and explore lender options. We’ll also help you plan for steady cash flow and organized tax records.
First-Time Home Buyer Support
We explain government programs and offer step-by-step help from saving to closing. If we host any local events or workshops, we invite you to join and learn more.
New Construction and Condo Financing
Buying a new build or condo? We guide you through builder incentives, lender rules, and how condo fees affect your mortgage. We also help with pre-construction deposits and resale condo financing.
Debt Consolidation Strategies
We help you explore refinancing or equity options to pay off high-interest debts. With careful planning at every step, we show how this could save you money in the long run.
Mortgage Insurance Guidance
We explain when default insurance is needed, how it affects your cost, and how to keep it as low as possible while staying eligible.
How Does AJP Mortgage Stand Out in Ottawa?
At AJP Mortgage, we combine expert advice, fast approvals, and personal service to make your Ottawa mortgage experience smooth from start to finish.
- Transparent Mission and Values: We share honest advice, always put you first, and build lasting local ties.
- Ottawa-Focused Service: We live here too, so we know exactly what homebuyers in our city need.
- Meet the Team: Our friendly experts guide you on refinancing, tapping home equity, or buying your first home.
- Personalized Approach: We take time to learn your story and match you with the best mortgage plan.
- Proven Track Record: We’ve helped hundreds of Ottawa families secure financing with confidence.
- Client Referrals: Many new clients come from friends and family who trust our service.
- Clear Communication: We explain every step in plain language and are here whenever you have questions.
- Local Recognition: Our years of experience and community involvement have earned us local trust.
Mortgage Solutions for Every Life Stage
Whether you’re buying your first home, growing your family, or planning for retirement, we offer mortgage solutions that grow with you.
New Families
Looking for more space? Whether you’re expecting a child or planning for the future, we help you move into a home that fits your growing family. From higher loan amounts to creative financing options, we guide you through budgeting, pre-approvals, and family-friendly neighbourhoods in Ottawa.
Self-Employed Individuals
Running a business shouldn’t stop you from owning a home. We work with lenders who specialize in self-employed mortgages, even if your income doesn’t show up clearly on paper. Whether you’re a freelancer, consultant, or business owner, we help you get approved on your terms.
Seniors and Retirees
If you’re downsizing, retiring, or want to unlock home equity, we offer clear guidance on reverse mortgages, refinancing, or second homes. Our team explains the pros and cons and helps you find the safest, most affordable solution based on your retirement income.
Newcomers to Canada
Just moved to Ottawa? No problem. We work with lenders that understand your situation, even if you don’t have a long credit history or permanent job yet. Whether you have a work permit, PR, or are newly settled, we help you qualify with the right documents and programs.
Growing Families
If you already own a home but need more space, we help you upgrade smoothly. We explain bridge financing, porting your mortgage, and how to buy your next home while selling your current one. Our goal is to keep your move stress free and financially smart.
Young Professional
Buying your first home can feel overwhelming. We make it easier with low down payment options, flexible mortgage terms, and expert advice on using your RRSP or FHSA. We’ll help you build a smart plan that fits your career goals and future lifestyle.
Ottawa Market Insights
Up-to-Date Insights for Confident Decisions in Ottawa
- Current Interest Rate Trends: Mortgage rates in Ottawa are stabilizing, with fixed rates popular for safety and variable rates attractive if inflation drops. Keep an eye on Bank of Canada decisions.
- Hot & Stable Neighbourhoods: Fast-growing areas like Barrhaven and Kanata are heating up. Nepean and Orleans remain steady choices for long-term value.
- Down Payment Norms: Most buyers put down 5 to 10% for their first home. Repeat buyers usually aim for 20% or more to avoid extra fees.
- Seasonal Market Tips: Spring means more competition and listings. Winter offers fewer buyers and better negotiation chances.
- Seller’s Market Advice: Be ready with pre-approval, strong deposits, and fewer conditions to win bids.
- Buyer’s Market Insights: Look for price flexibility, seller incentives, and homes with longer time on market.
- Stay Updated: Sign up for seasonal Ottawa market reports and updates to stay informed.
Our Process Step by Step in Ottawa
We break it down so you don’t feel overwhelmed. Our clear, step-by-step process in Ottawa is designed to make your mortgage journey smooth and stress-free.
Easy First Meeting
Book a call, send an email, fill out our online form, or visit us in person. We’ll have a friendly, jargon-free chat.
Getting to Know You
We learn about your goals, timeline, and finances to build a mortgage strategy that fits your life.
Planning Your Next Steps
We talk about savings, down payment options, and which mortgage types make the most sense for you.
Gathering Your Info
We help you collect income proof, credit info, and everything needed to submit a complete application.
Submitting to Lenders
We send your application to trusted lenders, track the updates, and keep you posted at every step.
Guiding You Through Approval
We explain the lender’s conditions, help you understand the offer, and negotiate where we can.
Helping You Close with Confidence
We coordinate with your lawyer and make sure everything is in place for a smooth closing day.
Here for You After Closing
We check in over time, offer support if things change, and stay available whenever you need advice.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What is the typical down payment needed in Ottawa?
Most buyers put down 5 to 20 percent depending on the property and their budget.
How long does mortgage approval take in the Ottawa region?
Pre-approval can be done in a day. Full approval usually takes a few business days once documents are submitted.
Can I get a mortgage if I’m self employed in Ottawa?
Yes, we help many self employed clients. You just need to show income clearly, and we’ll help match you with the right lenders.
What first time buyer incentives are available in Ontario?
You may qualify for the land transfer tax rebate, the RRSP Home Buyers’ Plan, and the First Home Savings Account (FHSA).
How does refinancing work if I have a fixed rate term?
We check if any penalties apply and help you compare options to see if refinancing will save you money.
Can I buy a home in Ottawa if I’m new to Canada?
Yes, many newcomers qualify for mortgages. We guide you through the process and explain what’s needed to get approved.
Out of 5
What Our Clients Say
Smooth First Home Purchase
Working with AJP Mortgage in Ottawa made buying our first home stress free. We knew our budget and secured a great rate.
Sarah Edison
Self-Employed and Still Got Approved
As a self-employed professional, I thought financing would be tough. AJP Mortgage found the right lender and guided me every step.
Daniel Nguyen
Refinanced and Saved Thousands
We refinanced to renovate and consolidate debt. The team explained each option clearly and we saved on interest.