Top 12 Mortgage Brokerages in Ottawa
Mortgage brokers are professionals who shop multiple lenders on your behalf to find the most competitive mortgage rates and terms available. Because lenders pay brokers a finder's fee, the service comes at no direct cost to borrowers. In Ottawa's housing market, where buyers range from first-time homeowners and government employees to investors and families moving within the National Capital Region, mortgage brokers can help compare options across banks, credit unions, and alternative lenders. Listed below are some of the top brokerages serving Ottawa residents, starting with national online brokerages that offer a streamlined digital application, followed by local brokerages where you can meet in person.
Quick Picks
- Butler Mortgage: A leading brokerage in Canada, Butler Mortgage offers all kinds of mortgage solutions to its clients. They have access to over 350 lending partners, guaranteeing the best available mortgage rates and an after-approval rate guarantee.
- Capital Mortgages: A local brokerage with over 20 years of experience, Capital Mortgages strives to offer the best rates and service. Borrowers can visit one of their offices for in-person consultation regarding their mortgage requirements.
Top Mortgage Brokers in Ottawa
Ottawa Online Brokerages with Competitive Rates
Founded in 1995, Butler Mortgage is a prominent mortgage brokerage in Canada headquartered in Toronto. Its services are primarily available in Ontario, British Columbia, and Alberta. With over 350 lending partners, including banks and credit unions, Butler Mortgage provides its clients with access to a variety of mortgage and financing options, including
- Purchase
- Pre-Approval
- Refinance
- Renewal
- Investment Property
- Vacation/Second Home
- Purchase Plus Improvement
- Construction Mortgages
- HELOC
- Self-Employed Solutions
- Credit Repair
- Mortgages for Newcomers to Canada
Butler Mortgage provides rate guarantees to its clients in two ways, the Up-Front Rate Guarantee and the After-Approval Rate Guarantee. With the Up-Front Rate Guarantee, Butler Mortgage pledges to offer customers the best possible mortgage rate upfront. If a client finds a better rate elsewhere, the brokerage compensates them with $500 at closing. With its After-Approval Rate Guarantee, the brokerage continues to monitor rates for you even after being approved. If another lender offers a rate that is 0.1% lower than your rate and your lender is unwilling to match it, Butler Mortgage lets you switch lenders without charge.
Butler Mortgage also offers a RateGuard Approval that enables customers to secure mortgage rates for up to 120 days. During this period, if the rate drops, the customer can receive the new, lower rate.
Joe Purewal Mortgages is an award-winning mortgage broker with more than two decades of experience, serving clients in Mississauga, Toronto, and throughout the GTA. Known for solving difficult mortgage challenges, Joe specializes in bank declines, self-employed mortgages, bad credit, debt consolidation, tax arrears, and other unique financial situations. Joe and his Team also assist with purchases, renewals, refinancing, investment properties, and mortgage pre-approvals, delivering personalized advice tailored to each client's goals. With access to a wide network of lenders, Joe and his team find solutions where others may not. As of July 2026, Joe Purewal has earned over 950 five-star Google reviews and is recognized as one of Mississauga's most trusted mortgage brokers, helping thousands of clients achieve their homeownership and financial goals.
Based in Toronto, Ontario, Frank Mortgage is a digital mortgage brokerage that provides mortgage solutions across Canada. Founded in 2019, the company aims to simplify the mortgage process by combining technology with licensed mortgage advisors. Frank Mortgage helps borrowers access a range of mortgage options from multiple lenders, including first-time homebuyer mortgages, refinancing, and investment property financing. The brokerage focuses on offering competitive rates and a streamlined online experience that allows borrowers to compare options and complete much of the application process digitally. Customers can also connect with mortgage advisors for guidance throughout the process.
True North Mortgage has offered mortgage services throughout Canada since its establishment in 2006. The brokerage, headquartered in Calgary, operates 12 offices throughout the country. Clients from Ottawa contact them by phone or online. True North Mortgage claims to save its clients an average of $3,000.
True North Mortgage guarantees the lowest rates to its clients. If a client finds a lower rate elsewhere, True North Mortgage promises to beat the rate or compensate them with $500.
Furthermore, True North Mortgage's in-house lender, THINK Financial, is offering a temporary solution providing respite from the increased mortgage rates called 'Rate Relief.' Rate Relief provides a lower fixed rate for six months, following which borrowers can either renew their mortgage with THINK Financial or pay a 1% fee to them.
True North Mortgage offers the following services:
- New Mortgage
- Pre-approval
- Refinance
- Renewals and Transfers
- Mortgage Porting
- Purchase Plus Improvements
- Newcomers to Canada
- Vacation and Secondary Homes
- Investment Properties
- Non-Resident Mortgage
- HELOCs
- International Home Purchases
- Self-Employed Mortgages
- Reverse Mortgages
CanWise, a Canadian lender, exclusively provides its mortgage rates through its brokerage, Ratehub.ca. This brokerage collaborates with various lenders, such as banks and other financial institutions, to offer diverse mortgage solutions. Borrowers can access a variety of mortgage options from CanWise, which include:
- Mortgages for buying
- Vacation/Second Home
- Purchase Plus Improvement
- Construction
- Renewing
- Refinance
- Newcomers to Canada
- Divorce
- First-time homebuyers,
- Business / Self-employed buyers.
CanWise Lending's mortgage products come with a number of features, including mortgage porting, bridge financing, annual additional lump-sum payment options, and increasing regular payment. In addition, CanWise Lending registers your mortgage as a standard charge rather than a collateral charge.
Local Ottawa Mortgage Brokerages
Capital Mortgages, part of the Mortgage Centre Canada Network, was established in January 1999. Its office is located in Kanata, and it serves Ottawa and the surrounding valley. They believe that mortgages in today's time are more than just the rates and strive to offer the best services to their clients. Apart from new mortgages, they also offer solutions such as renewal, refinance, commercial mortgages, construction mortgages, and reverse mortgages. They have a team of over 50 people, including mortgage brokers and agents.
The Mortgage Advisors, established in 2012, is an independently owned brokerage headquartered in Ottawa. It has a team of over 50 brokers and agents across seven offices in and around Ottawa. The brokerage offers various solutions, including new mortgages, accessing equity, mortgage renewals, bad credit mortgage, and debt consolidation. Borrowers can apply online or request a call back to get started.
Established in 2013, Referral Mortgages is a brokerage based out of Ottawa. The brokerage focuses on residential, commercial, and construction mortgages. They believe in treating each client with care they would extend to their own family and customize the mortgage experience as per their needs. Their team is experienced in real estate investing and residential and commercial financing. Apart from new mortgages, renewals, and refinancing, the brokerage offers services such as bad credit mortgages, construction mortgages, home improvement loans, investment property loans, and reverse mortgages.
Ottawa-Carleton Mortgage Inc., a brokerage based out of Ottawa, has a team of over 20 mortgage brokers and agents. The brokerage aims to build long-lasting relationships with its clients by offering them a comfortable service experience. Borrowers can book a free consultation with them or apply online through their website. The brokerage's podcasts from CFRA offer tips and advice to borrowers. Borrowers can also learn through their blogs and use their online calculators, both available on their website.
Mortgage Brokers Ottawa is an Ottawa-based brokerage whose brokers hold Accredited Mortgage Professional (AMP) designations. The brokerage has two offices in Ottawa. However, borrowers can read about the brokers online and apply with the broker of their choice through the website. Their brokers aim to find the lowest rates for you with the best possible terms. Along with new mortgages, they also offer debt consolidation and refinance mortgages. Other than traditional lenders such as banks and credit unions, they also work with private lenders.
Mortgage Broker Networks in Canada
Mortgage broker networks, like Dominion Lending Centres, Verico Mortgage Broker Network, and Mortgage Alliance, operate across Canada. These networks comprise independent mortgage businesses with access to the network's services and rates. Some of these networks are affiliated with more extensive financial groups like DLCG and M3 Financial Group.
Dominion Lending Centres is an expansive network of mortgage brokers with a presence throughout Canada. They have a team of over 2,900 mortgage experts across over 350 offices, working with more than 90 lenders. Dominion Lending Centres strives to provide their clients with exceptional service and the best mortgage rates. Their brokers have access to numerous tools and resources via their mobile app, 'My Mortgage Toolbox,' as well as training programs to stay up-to-date with industry standards.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.