How much house can you afford in Ottawa? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · 2026 stress test and CMHC rules
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Centum Bank Street Mortgage - Mortgage Broker OttawaVerified
4.5 · 32 reviews · Free pre-approval
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Vanessa Wilson - Ottawa Mortgage Broker
5.0 · 108 reviews · Free pre-approval
Get pre-approved →
Andrew Thake - Ottawa Mortgage Broker
5.0 · 102 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Bank Street Mortgage specializes in guiding homebuyers and investors through competitive mortgage and refinancing options with trusted lenders. Their team offers personalized support aimed at making the mortgage process smooth and straightforward. Clients appreciate their knowledgeable approach and consistent effort to secure favorable rates, though experiences may vary.
Known for clear communication and thorough guidance, Vanessa Wilson specializes in helping first-time homebuyers navigate the mortgage process with confidence. The team offers mortgage renewal and purchase services, consistently providing prompt responses and detailed explanations. Clients appreciate the smooth, supportive experience and the effort to secure competitive rates.
With over 14 years of experience, Andrew Thake specializes in helping first-time buyers, those with bad credit, and clients seeking unique financing like construction or cottage mortgages. The team guides clients patiently through purchases, refinances, and renewals, often easing the process with clear communication and detailed explanations.
Known for guiding first-time homebuyers through the mortgage process, this team works closely with clients to secure competitive rates from various lenders. They handle everything from application to contract management, with clear communication and prompt responses. Customers appreciate their detailed explanations and supportive approach throughout the process.
The Wilson Team specializes in mortgage strategies tailored to families and individuals, including self-employed clients and new Canadians. They assist with purchases, refinancing, renewals, and investment properties, often guiding clients through complex situations. Customers appreciate their clear communication, responsiveness, and ability to simplify the mortgage process.
The Mortgage Advisors team specializes in creating customized mortgage strategies for a range of clients, from first-time buyers to those refinancing or upgrading their homes. They guide customers through every stage of the mortgage process, offering clear explanations and responsive support. Some clients note that the process can take time, but appreciate the team’s patience and thoroughness.
Mortgage Brokers Ottawa specializes in connecting clients with Canada’s largest lenders to secure competitive mortgage rates and flexible terms. Their team assists with purchases, refinancing, debt consolidation, and new property financing, often praised for clear communication and thorough guidance throughout the process. Some clients note the process can feel complex, but the team’s support… more...
Mortgage Brokers Ottawa specializes in connecting clients with Canada’s largest lenders to secure competitive mortgage rates and flexible terms. Their team assists with purchases, refinancing, debt consolidation, and new property financing, often praised for clear communication and thorough guidance throughout the process. Some clients note the process can feel complex, but the team’s support helps ease those challenges.
Specializing in guiding first-time homebuyers through the mortgage process, this broker offers clear, patient advice to help clients make informed decisions. Services include financing for primary residences, rental, and investment properties, with a focus on transparent communication and responsiveness. Clients appreciate the thorough explanations and timely support throughout.
Certified Mortgage Broker Ottawa focuses on helping clients find the lowest mortgage rates and guiding them through refinancing or home purchases. The team offers personalized assessments and clear answers, making the process smoother for first-time buyers and repeat clients alike. Some mention that their physical office location is currently under construction.
Known for navigating complex financial situations, Ottawa Top Mortgages specializes in securing competitive mortgage rates for self-employed clients and first-time buyers. The team assists with purchases, refinancing, and debt consolidation, providing clear guidance throughout. Customers appreciate their responsiveness and thorough communication, though the process can sometimes take longer due… more...
Known for navigating complex financial situations, Ottawa Top Mortgages specializes in securing competitive mortgage rates for self-employed clients and first-time buyers. The team assists with purchases, refinancing, and debt consolidation, providing clear guidance throughout. Customers appreciate their responsiveness and thorough communication, though the process can sometimes take longer due to detailed attention.
We found Andrew online through the same type of website and reviews as we’re now writing here. Aside from having a high star rating, Andrew had several great comments about how helpful he was in this process. As new homebuyers it was important that we get someone who we could trust and who would tak…
Andrew helped us start our first home journey earlier this year. He was one of our first contacts in the real estate industry as we wanted to ensure we could secure our funding prior to getting too deep into our house search. Andrew worked through the details to us over multiple meetings and taught…
Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.
General information, not financial advice — consult a qualified professional.