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    Here's What Our Clients Have To Say About Our FREE Mortgage Service

    Many of our clients have sent us written letters or notes over the years to thank us for our services. We have a book at our head office with a few hundred of them that we have kept. Here are some excerpts from a few of them.

  • 1
    K. & H. Heuff

    We spent time “shopping” for a mortgage, but the service and professionalism that was provided by Ottawa-Carleton Mortgage Inc. was by far the best. Not only did we receive a terrific mortgage rate, we received hassle free service. We would highly recommend Ottawa-Carleton Mortgage Inc. to our friends and family. Thank you for making our first home purchase so wonderful.

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    A. Malo & J.L. LeBlanc

    We approached Ottawa-Carleton Mortgage Inc. in order to explore the advantage of renegotiating our mortgage. Obviously, the first thing we noted was the five-year interest rate. Clearly, it was the lowest in town and significantly lower than that of other lenders.

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    D. Monfils

    Being a first time buyer my phone call to Ottawa-Carleton Mortgage was without a doubt, the smartest move I made in the whole exercise. They are fast, efficient, stress free and the best rates out there from the comfort of one’s home. And of course all for “free".

  • 4
    H. Henderson & M. S. Denis

    I would like to thank Ottawa-Carleton Mortgage Inc. I will return to them when my mortgage renews, thanks again.

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    B. & S. Penner

    Thank you for the professional and helpful way you led us through the details of renewing our mortgage. Needless to say, we’ll be back in 5 years.

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    B. & A.R. Robilard

    The service that we received from Ottawa-Carleton Mortgage was first rate from the start to finish. It was fast, simple, painless and easy. I am happy to recommend Ottawa-Carleton Mortgage to friends & family

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    P. Brisson, M.D.

    Your service offers a convenient, rapid, mutually profitable, money and time saving arrangement.

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    The Farley Family

    To Whom It May Concern; I wish to make you cognizant of my family's experience with Ottawa-Carleton Mortgage Inc. Our mortgage was up for renewal and we had never thoroughly enjoyed past dealings with the banks. We often felt our needs came second to the bank's well-being. We rarely got their best rates up front, and often needed to haggle. This time we decided to try something different, and explore the "mortgage brokers".

    I encourage mortgage consumers to abrogate visiting banks, and rather consult with true professionals who will work for you. Even their offices are more refreshing, and less intimidating than the banks.

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    R. & W. Neufeld

    Being our first home and from another province, your services were excellent, we had no problems at all. We dealt l of long distance and you were always available to answer any questions or concerns we had. Also you were very friendly, excellent work!

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    D. Eli

    Would highly recommend your services to anyone interested in saving time and money. I made a few initial inquiries with a number of financial institutions. After talking with you, it became apparent that what they gave me as their best rates wasn’t necessarily the best rate.

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    E. Crevier

    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 made sure our mortgage was the right fit for us with an amazing rate.  Thank you Steve for always being there to answer our questions. We highly recommend your services!

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    S. & I. Taylor

    In less than 24 hours, we were pre-approved at a rate our bank couldn't match.

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    S. Warrent

    I used Ottawa-Carleton Mortgage or my first house in 2002 and things were very easy, so coming back to them for my recent mortgage needs was a very easy decision. After one meeting, I had a rate that none of the banks would have offered.

    I would not hesitate to recommend Ottawa-Carleton Mortgage to any of my friends, and have indeed done so, and they have had very a positive experience as well.

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    L. Bourgon

    This is the first time my mortgage renewal process was a pleasant one. I would recommend Ottawa-Carleton Mortgage to anyone

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    R. Isaac

    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 found us an awesome mortgage rate and we will definitely be going back for our next term.

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    S. & I. Taylor

    In less than 2 hours, we were pre-approved at a rate our bank couldn’t match.

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    R. Boisvert

    Dear Victoria, thank you for your help in arranging our mortgage. I certainly enjoyed the opportunity to talk to you. You dealt with a difficult situation in a very competent manner.

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    D. Milot

    Victoria, just wanted to thank you for all of your help over the years. You have made house buying experience stress-free and your expertise was greatly appreciated. I'm sure you'll hear from me again, or from all my friends I've given your name to!   

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    J Ascher

    Victoria, Victor and I appreciate all the effort you have put into securing that deal! We couldn't have done it without you. Thank you

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    O. Medina

    Victoria, I needed to say thank you once again. I want you to know that I appreciate your hard work in helping me with the financing

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    V. Foerster

    Hi Victoria, thanks so much for your help arranging my new mortgage. It's still hard to believe we have added the 12 acres to the farm. You have to come see "the herd" one of these days.

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    B. & R. Wagoner

    Dear Victoria, You have a way of touching other's lives with your thoughtfulness. This is just a humble way to share a toast to your success. Thank you for your patience and perseverance. Two of your newest and most faithful clients.

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    A. Kelahear

    As a first time homeowner, everything seemed a bit scary & overwhelming. Steven took the time to explain in detail, everything about my new mortgage. He answered all of my questions & constantly made himself readily available. His personal touch & attention to detail helped me save money on the purchase of my very first home. I look forward to dealing with Steven again & I intend to recommend his services.

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    A. Kugler

    Steven handled all of my mortgage details extremely quickly especially given the tight time restraints. I had no stress or pressure as he dealt with all of the paperwork headaches. There were no hidden surprises, and everything was straight forward and easy to understand. The service was excellent!  

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    D. Pinet

    Steven went above and beyond-not only did he help me secure a great mortgage rate, but he also took the time to explain all aspects of mortgages and ensure I was comfortable through the long process of purchasing my first home!

    Steven was great at communicating and follow-up with me through the process.

    He was patient with me, he was always available and he responded to my emails and phone calls! I would highly recommend Steven to family, friends and strangers alike!

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    J. Husiak

    Steven provided me with mortgage options suited to my needs. He was prompt and courteous in responding to my questions. Steven worked directly with the lender to best represent my interests.

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    T. Perrier

    I used Steven's services to refinance my mortgage. I found Steven to be very professional & knowledgeable. He was always very quick to provide me with email or voicemail responses. Steven worked very hard to get me the lowest rates possible. I am most satisfied & would highly recommend him to friends & family. I plan to use is services again at my next mortgage renewal.

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    T. Riehle & T. Lyons

    After months of not getting anywhere with our previous mortgage advisor and then being in an open mortgage, we called Steven King. The issue was resolved quickly, professionally and we were within a new mortgage in a month. Very impressed & happy!!! Thank you Steven.

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    M. Picciano & J. Woodcock

    Steven's friendly demeanor made it very easy to talk to him about our concerns regarding our first home mortgage. He made all information easy to understand and always followed up with reminders to make the process flawless. Steven was always easy to reach via email or phone, and always provided a quick response. Because of this, it was easy to tell Steven genuinely wanted to give us the best rate available. We are thankful for his help and would happily refer him to anyone in need of a mortgage.

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    S. Gagnon & F. Simpson

    I was very impressed with Steven's prompt response to provide us with mortgage options. His ability to listen, ask the right questions and his experience meant that our household was able to secure our mortgage quickly so we could purchase our dream home. His personal and friendly service made the experience hassle free and very pleasant.

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    C. Hartley

    A great big thank you Steve helping with my mom's mortgage. Your prompt, professional service and kind attention to detail made the process for her and our family so much easier. You went above & beyond expectations in terms of helping coordinate all aspects of this transaction.

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    C. Croteau & D. Ross

    Great to work with, always got back to emails/call quickly, very professional. Glad I switched over to Steven for my mortgage; he helped us understand things.

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    G. & K. Hardy

    Great service from Mr. King, he was respectful toward us and our needs. The process was simple and fast, overall very happy, thanks

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    L. Leclair

    Steven found me a great mortgage rate and took care of all the details in a professional and courteous manner. I would not hesitate in using Steven's services in the future.

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    A. Crncan & D. Savic

    This was our first time shopping for a mortgage, and Steven made the whole process very easy. He demonstrated great knowledge, promptly answered all of our questions, got us a great rate and finalized the application within days. We were very impressed with the level of service that we received from Steven. Thanks again, and we'll be back in five years! 

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    D. Stiller

    I would like to tank Steven King for his thoroughness and support in helping me attain a mortgage in a timely manner, which was instrumental in the purchase of my new home during a crucial time in my life.

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    M. Boxstael

    Easy to work with, very accessible/easy to get a hold of, explained mortgage concepts in terms that a first-time home-buyer can understand. Bared with me through very tight deadlines and helped me to reach a closing date within 2 weeks of initial offer. Thank you Steven, loving the new place!!   

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    D. Crosbie & V. McGuire

    We were very nervous and apprehensive about the ideal of purchasing our first home until we met Michelina. Within the first few minutes of meeting her, Michelina put us at ease and make us feel very comfortable. She showed us that buying a home was in fact within our means and gave us the confidence, tools and expert information to make informed decisions on our mortgage. We would definitely recommend Michelina to anyone.

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    J. & J. Taylor

    We enjoyed Michelina's help in applying for our mortgage. She was very knowledgeable and answered all our questions. As first time buyers this experience was new to us; however Michelina provided us with all the information and important things we needed to do. The process was simple and a great learning experience. We definitely would recommend her services.

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    L. R. Lobo

    The connection with Michelina is great, amazing service from start to finish, any questions, any issues, you can easily get in contact with her. Fully trustworthy, with the best rates; I would strongly recommend her to any friend.

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    T. & J.M. Lafreniere

    Michelina's approach to explaining the home buyer's process to first time home buyers was flawless. Her positive friendly attitude put us at ease in the big step in our lives. We definitely will recommend her to or family and friends and hope to work with her in the future.

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    P. S. & D. Castanza

    We had the extreme pleasure of connection with Michelina in 2009, in our most recent dealings with her she provided quality advice and connected us to the right people. Her promptness and dedication to our situation was tremendously appreciated and we thank her for her outstanding services. She is a true professional providing excellent service. We will highly recommend Michelina's services to our family, friends and neighbours.

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    L. Keyes

    Michelina made us feel comfortable & welcomed. As a young & very inexperienced first time homebuyer Michelina made the process very easy & seamless. She answered my many questions politely & didn't get frustrated or annoyed when she had to explain things to me multiple times. I have recommended & will continue t recommend Michelina to anyone that needs a mortgage.

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    L. & R. Constantin

    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 timely manner, at a very good interest rate. Thank you, Michelina, for your professionalism and dedication. We definitely recommend your services to anybody.

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    C.M. Dyke

    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.

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    M. Hockley &. A.M. Bisson

    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 application not only much less intimidating than doing it ourselves, her key contact and standing in the lending community ensured we got a great rate, much better than we ever thought possible. She will always be the one we recommend to family and friends.

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    S. & S. Bartlett

    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 available whenever we needed to communicate or had questions. We can't recommend Michelina enough!

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    G. Bilodeau

    We were looking to obtain a mortgage for a property that we thought was beyond our means. Our bank did not even want to discuss options. Fortunately, we met Elaine Gregory at Ottawa-Carleton Mortgage, who presented many different possibilities to us. The mortgage closed without a hitch.

    Since then, we have done several other transactions with Elaine such as refinancing property and a construction mortgage. All of the above were carried out professionally and with great competence. Elaine is very knowledgeable in all aspects of financing; she understood our different situations and needs required.

    We highly recommend Elaine Gregory of Ottawa-Carleton Mortgages and would not hesitate to use her services again in the future

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    L. Vorobej

    Elaine was very helpful and accommodating during the recent process of refinancing my mortgage. She was readily available to answer all my questions, and was willing to go the extra mile to ensure I got the best deal possible for my situation. I would highly recommend her services.

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    C. Matier

    I would like to express my appreciation for all your help with arranging our mortgage. We were extremely pleased with all aspects of your service. You definitely exceeded our expectations and we would not hesitate to recommend you to our friends and colleagues.

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    D. Gordon

    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 bank couldn't in 10 months. DAN FAUBERT was the proactive one, constant communication, reassurance, and a complete professional throughout everything.

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    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.

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    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 I could possibly imagine and I owe much of that to you for doing the leg work on the mortgage. The tough part was packing, moving, and painting!

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    J Findlay

    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 said no, and that we didn't have to do a second mortgage as we had originally thought.  And we really appreciate all your time and effort in getting it all organized, and how available you were to us by phone or email if we had questions or problems, and how you dealt with the problems right up to the last minute, and made it work! You did a really great job for us in making this mortgage happen when we didn't think it was possible, and we will definitely recommend you to anyone we know looking for a mortgage!

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    P. & P. Kilger

    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 that we appreciate; fantastic rate-our bank could not touch it

    Prompt replies to any concerns

    Efficient service

    We will be recommending you to all our friends and clients.

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    J. & S. Ingle

    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.

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    G. & S. Darouze

    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 me up to speed with the various actions he was taking and the implications resulting. All in a very positive experience with your organization- is nice t work with such a professional and experienced group. As usual, you have provided us with great service.

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    L. McCarthy

    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 a great rate. Actually he said a "great mortgage"! Highly recommended!

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    T. J. Torosian

    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, professional, polite and most importantly, just a real nice guy who makes you feel comfortable. I would recommend anyone to render Bill's service

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    P. &. S. Miner

    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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    The Farley Family

    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 feelings that seemed disingenuous. We often felt that our needs came second to the bank's wellbeing. We rarely got their best rates up front, and often needed to haggle.

    This time we decided to try something different, and explore the "mortgage brokers". We dealt with Joanne Mazerolle-Gosewitz, from Ottawa-Carleton Mortgage.

    My wife and I truly appreciated her expertise, professionalism and dedication. She always replied to our questions and concerns. Joanne was able to alleviate the stress often associated with mortgages, signing documents, legal issues, commitments, etc. Even their offices are more refreshing and less intimidating than the banks.

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    T. Kyle
    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 process along. Bill has helped me with a number of mortgages and I have referred a number of friends and acquaintances to him. We enjoy the experience and the great customer service that is consistently provided to us.
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    D.A.S. Avila & W. Hoare

    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!

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    L. Bouskill

    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 to ensure a seamless experience; outstanding service, quality service, would highly recommend.

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    "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 reps weren’t even aware of. I will continue working with him and referring to him going forward."

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    "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."

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    "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 homes were done with him and I will continue to use his services."

Find out how you can get the best mortgage:


TermOur Discounted Rates
6 Month Conv 3.10%
1 Year 2.44%
2 Year 2.24%
3 Year 2.29%
4 Year 2.44%
5 Year 2.39%*
6 Year 3.79%
7 Year 3.44%
10 Year 3.84%
18 Year N/A
25 Year N/A
Fully Open Variable 3.50%
5 Year Variable 1.95%
Rates subject to change.

Contact Us

  • Ottawa-Carleton Mortgage Inc
    381 Richmond Road Ottawa,
    Ontario K2A 0E7
  • Phone: 613-563-3447
    (24 hours)
  • Fax: 613-563-3195

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