P. &. S. Miner

TODAY'S LOWEST RATE FROM 2.41% .... View All Rates

Find out how you can get the best mortgage:

This was our fourth time dealing with Ottawa-Carleton Mortgage. As always they handled our new purchase with professionalism and tack. This allowed for on-time service, resulting in complete satisfaction on our part. Great work Joanne.

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6 Month Conv	3.10%
1 Year	2.99%
2 Year	3.24%
3 Year	3.09%
4 Year	3.39%
5 Year	3.24%*
6 Year	3.62%
7 Year	3.39%
10 Year	3.84%
18 Year	N/A
25 Year	N/A
Fully Open Variable	4.25%
5 Year Variable	2.41%
Rates subject to change.

Are you interested in

First Time Home Buyers

Pre-Approvals
Important first step. Pre-approve your mortgage. Lock today's rate. If rates decrease, you get the lower rate!
RRSP Home Buyer's Plan
As a first time home buyer you can use your RRSP’s for the down payment to a maximum amount of $25,000.00 per borrower, without paying taxes on the withdrawals.
Qualifying For Your Mortgage
We will go over this in detail when you talk to us as all lenders want only qualified clients

Purchasing a Home

If you are thinking about purchasing a home we highly recommend.... Read more...

Free Mortgage Service

Our loyalty is to you, not the mortgage lenders. Try getting your banker to send you to another bank for a better rate!..... Read more...

Free Mortgage Transfers

Homeowners, if your mortgage is coming due for renewal this year READ THIS!

Refinance/Consolidation

You can now take equity out of your home WITHOUT taking a second mortgage... Read more...

Private Mortgages

Private Mortgages are an important segment in real estate lending for a variety of reasons.... Read more...

Rental and Investment Property Mortgages

Unlike the mortgage on your home, financing an investment property can be much more complex. Read more...

Commercial Mortgages

If you are looking to purchase a smaller commercial property... Read more...

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We would like to extend our thanks and appreciation to Elaine Gregory of Ottawa-Carleton mortgage, for her advice and for her help in refinancing our mortgage. We have been dealing, with Elaine, for many years, and...

Martine and Paul

My husband and I had a great experience with Michelina from Ottawa Carleton Mortgage. We were first time home buyers, and she walked us through everything in a way that was easy to understand. She...

R. Isaac

Purchasing our first home was such a wonderful experience thanks to the help of Steven King. He was very professional, well-informed, and made the entire process seamless and enjoyable! Steven explained our options in detail and...

E. Crevier

"I have purchased 5 homes in the past 7 years and have dealt with a number of brokers. David is always quick to respond to questions and is very knowledgeable about products. My last 3...

Sara

"David is amazing. He is always very clear and up front with information. He does a great job explaining everything very clearly so that I feel confident in my mortgage decisions."

Andrew

"I have enlisted David’s help for the purchase of 2 homes and I have been very happy with his services. He has saved me thousands of dollars in discounts and refunds other brokers and mortgage...

Annika

We chose Bill to help us get our mortgage because of who Bill is. His expertise in the mortgage market surpasses any other company. We are more than pleased with our new home. Thanks Bill!...

D.A.S. Avila & W. Hoare

Bill & Joanne worked to secure my mortgage within an impossible timeline; drove documents to my office for signature; made every effort possible to insure I understood the process; worked closely with the other players...

L. Bouskill

The mortgage maze can be time consuming and difficult to navigate. Bill and Ottawa-Carleton Mortgage have always made it easy and effortless. I truly appreciate the thoroughness and the speed with which Bill moves the...

T. Kyle

I wish to make you cognizant of my family's experience. Our mortgage was up for renewal this past summer, and we had never thoroughly enjoyed past dealings with banks, (in general). We had often experienced...

The Farley Family

P. &. S. Miner

Our recent purchase was the 2nd time we utilized the service of both Bill & Joanne Gosewitz. It is without hesitation that we can say, "they take the hassle out of mortgage hunting"! Bill is personable,...

T. J. Torosian

Joanne has a warm friendly personal style that would put anyone at ease. The service I received exceeded my expectations and was quick and effortless on my part. Even my lawyer commented that I got...

L. McCarthy

Bill, I wanted to send in a quick not to let you know how pleased I was with the support I got from you on my recent refinance. You managed a difficult lender while keeping...

G. & S. Darouze

Joanne, thank you for completing our mortgage, it was a complicated process that required experience and expertise. There were circumstances that needed patience & diligence that you demonstrated so ably, again, many thanks.

J. & S. Ingle

Bill & Joanne, thank you for all your help with arranging our mortgage. We feel that great service is when people go the extra mile for you and that is exactly the service we received. Things...

P. & P. Kilger

I wanted to say thank you again for all your help with arranging our mortgage. We are so glad that you were able to get us a new first mortgage even after our own bank...

J Findlay

You were wonderful at helping me through the process of purchasing our home. Having never purchased a home before, I wasn’t really sure what to expect. It was actually much easier and less stressful than...

Jane

Thanks for helping me with yet another mortgage. You made the process of getting the mortgage a pleasant experience. Your positive attitude and diligent work are much appreciated.

Colin

Few solid days of emails/phone calls and approval was in place, funds were transferred, and I had my keys on time, no delays AT ALL! He got done in 72hrs what the rep at the...

D. Gordon

Michelina was amazing! We had a very short time-line by which to obtain a mortgage, but she managed to arrange one for us and with an ideal mortgage company. She was always professional and always...

S. & S. Bartlett

Negotiating a mortgage can be an intimidating process. After all, for most people their mortgage is the biggest, most impactful financial transaction they will ever make. Michelina's knowledge, experience and common sense approach made our mortgage...

M. Hockley &. A.M. Bisson

My husband & I enjoyed the experience of dealing with Michelina Crothers during the re-mortgaging of our home. Michelina was very professional and informative and efficient. We plan on seeking Michelina's advice in the future....

C.M. Dyke

Our first time home buyer experience five years ago was so pleasant and stress free, we had no hesitation to come to you again for our mortgage renewal. We received an outstanding service, in a...

L. & R. Constantin