Stepping into the mortgage market without a broker is like baking a soufflé for the first time as a new baker. You’re all excited, you throw in the ingredients, and bam—instead of rising to the occasion, it all just… falls flat.
And suddenly, you’re wondering why you didn’t just order takeout—aka call in a professional. So, to keep you from metaphorically eating fallen soufflé, I’ve compiled a list of Ottawa’s finest mortgage brokers.
If you’re ready to move from living with roommates to your own place (because, seriously, even your Netflix account is tired of being shared), then stick around!
How much does hiring a mortgage broker in Ottawa typically cost? In Ottawa, hiring a mortgage broker usually will not usually cost you anything out of pocket. Mortgage brokers often receive a commission from the lender upon successful completion of your mortgage deal. However, if you come across a broker who does charge a direct fee, it could range between $1,000 and $2,500, depending on the complexity of your mortgage needs and the services provided. |
Chris Allard Mortgage Team

Address: 110-150 Isabella Street, Ottawa, Canada K1S 1V7
Phone: 613.324.2389 | [email protected]
Business Hours: Monday to Saturday – 7:00 AM to 11 PM
The Chris Allard Mortgage Team is one of Ottawa’s premier mortgage brokerage services, led by the highly regarded Chris Allard, who has built a stellar reputation as one of the top 75 mortgage brokers in Canada. With years of experience in the mortgage industry, numerous awards, and partnerships with leading Canadian banks and lenders, Chris and his team offer a wide range of mortgage solutions tailored to the needs of homebuyers, commercial property investors, and those looking for refinancing or debt consolidation.
They offer a comprehensive range of mortgage solutions tailored to meet the diverse needs of their clients. Their services include residential mortgages for first-time homebuyers or those looking to upgrade, as well as commercial mortgages designed for business owners and investors seeking financing for commercial real estate.
They also provide private mortgages for clients who may not meet traditional lending criteria and bad credit mortgages for those with less-than-perfect credit, ensuring that even clients facing financial challenges can secure financing.
Chris and his team are dedicated to being partners throughout the buying process, helping clients find the best mortgage rates by shopping around with reliable Canadian lenders. This personalized approach ensures that clients receive expert support and guidance every step of the way.
One of the standout features of the Chris Allard Mortgage Team is their ability to secure competitive rates. Chris understands that a mortgage’s feasibility often hinges on the interest rate, and his team works hard to find the lowest possible rates, saving clients money on their monthly or bi-weekly payments. His partnerships with leading banks and financial institutions allow him to offer a wide array of rate options, ensuring clients have access to the best available deals.
Pros
- Access to Competitive Rates
- Diverse Mortgage Solutions
- Personalized and Responsive Service
- Expertise in Bad Credit and Complex Cases
- Industry Recognition and Awards
- Free Service for Most Clients
- Strong Communication and Transparency
Cons
- Can Be Busy During Peak Seasons
The team at Allard Mortgage was absolutely fantastic
“I purchased a property in Ottawa South. As a first time home buyer, I found a lot of the home buying process to be confusing. The team at Allard Mortgage was absolutely fantastic. They provided thorough explanations and constantly followed up on pending issues. The team was able to get me a great rate which I was very satisfied with. I plan to refer my friends and family to Chris Allard when they too enter into the home buying process. All in all, the team at Allard Mortgage went above and beyond to meet my needs and would recommend their services in a heartbeat.”
– Matteo F., Google Review
This team was absolutely top-notch
“This team was absolutely top-notch. We purchased a home in the Ottawa region, and the Chris Allard team was our mortgage broker. They were extremely well organized and there were no surprises. Everything that they said would happen did happen, and we were completely prepared thanks to their diligence and work ethic. I’d recommend this team without hesitation. Chris, Laurie, thanks for making this process easy and pleasant, and of course thanks for negotiating an excellent rate for us!”
– Ken E., Google Review
TopRankinMortgages Inc. | Sean Rankin | Ottawa

Address: 2733 Lancaster Rd. Unit 121, Ottawa, ON
Phone: (613) 447-1366 / [email protected]
Business Hours: Mon – Fri : 09:00 am – 09:00 pm / Sat – Sun : Available By Appointment
TopRankinMortgages Inc., led by Sean Rankin, sets a high bar for mortgage advisory services in Ontario. With nearly two decades of experience, Sean’s career trajectory from a TD Bank Customer Service Representative to the founder of a multi-award-winning mortgage agency highlights his dedication, expertise, and client-first approach. His impressive track record—over $1 billion in funded mortgages and multiple accolades such as the TD National Top 5 Volume Award and Mortgage Intelligence Top 5% distinction—attests to his unmatched skill and professionalism in the mortgage industry.
What truly sets Sean and TopRankinMortgages apart is their personalized and educational approach. Whether you’re securing a purchase mortgage, refinancing, or exploring construction financing, Sean ensures his clients understand their options fully and empowers them to make informed financial decisions. His strong partnerships with leading financial experts further ensure clients receive tailored solutions that align with their unique needs.
Beyond business, Sean demonstrates a genuine commitment to his community, supporting youth sports teams and participating in local events. This connection to the community, combined with his approachable nature and passion for helping others, has earned him a stellar reputation, reflected in countless 5-star reviews.
If you’re in Ontario and seeking expert guidance on mortgages, TopRankinMortgages offers a combination of proven expertise, personalized service, and a strong commitment to client success. With Sean Rankin at the helm, you can trust that your financial goals are in capable hands.
Pros
- Personalised service
- Easy communication
- Great a finding deals
Cons
- Can get busy
- High demand means a lesser chance of booking
- Closed on weekends
Mortgage Brokers Ottawa

Address: 1701 Woodward Dr. #300
Phone: +1 613 798 1973
Business Hours: Monday to Friday – 8:30 AM to 5 PM
Mortgage Brokers Ottawa has a whole lineup of services that cover pretty much every angle of the mortgage scene. So, they’re perfect if you’re a first-time home buyer, renewing, or refinancing.
Communication-wise, we love how they quickly responded to our queries and how approachable their team is!
But what we were impressed with is how they really seem to know their stuff—at least that’s the word on the street from folks we’ve chatted with. Their advisors exhibit profound expertise, skillfully navigating through the complexities of mortgage processes
Admittedly, the company isn’t flawless, and some folks mentioned they’d like more follow-up after closing the deal—a little check-in could go a long way.
And while we’re on it, a few people wished for more workshops or info sessions for newbies to mortgage shopping.
Despite the tiny gripes, most of us think they’re knocking it out of the park with their service. Indeed, our first-hand interaction with their client-focused approach leaves us echoing the community’s enthusiasm for their standout service.
Pros
- Friendly team
- Strong communication
- Comprehensive service
Cons
- Needs better post-service follow-up
- Few educational resources
- Closed on weekends
Unwavering dedication, exceeds expectations
“We have worked with Frank on a number of mortgages and he has always come through for us. The most recent one was a particularly complicated situation and Frank was able to pull a rabbit out of his hat and made sure we got the best deal. Over the years I have reached out to Frank for advice and he was always very helpful (even when there was no benefit to him). We will continue working with Frank on any future financing requirements we have and we will highly recommend him to anyone who is in the market for mortgages”
– Dave Gelineau, Google Review
Highly knowledgeable and responsive
“Dorothy has been extremely helpful. She is knowledgeable and patient in presenting information. Most importantly, she is responsive to request in a very timely manner. I would recommend her without hesitation.”
– Jacob Kaiserman, Google Review
Andrew Thake – Ottawa Mortgage Broker

Address: 150 Isabella St. Unit 110
Phone: +1 613 699 2006
Business Hours: Monday to Friday – 7 AM to 7 PM
When it comes to Andrew, the buzz is all about the personal touch. People we chatted with rave about not feeling like just another number. Andrew’s got this knack for making complex mortgage talk feel like a breeze, and the service lineup is tailored.
Whether you’re a first-time buyer or looking to refinance, Andrew’s your man. And he’s seriously connected—clients mentioned loving the way he keeps them in the loop without bombarding them with unnecessary information.
We also appreciated how seamlessly Andrew made himself available for face-to-face meetings, providing that invaluable personal connection you don’t often find.
Furthermore, his team demonstrated an impressive ability to adapt to our unique needs. We appreciated how they suggested tailor-made solutions during our interactions.
However, with such a personalised service, it’s no wonder that peak times can get busy. So, you might need to be a tad patient.
But, despite these small hitches, people can’t stop talking about the positive outcomes they’ve had working with Andrew.
Pros
- Personalised service
- Easy communication
- Great a finding deals
Cons
- Can get busy
- High demand means a lesser chance of booking
- Closed on weekends
Innovative leader with client-first dedication
“Andrew is an exceptional Mortgage Agent and a true leader in his field. I can confidently say that he cares deeply for his clients, always putting their needs first. Andrew leverages cutting-edge technology to streamline the mortgage process, making it smooth and efficient for everyone involved. His dedication to his clients and his innovative approach are truly impressive.
Additionally, Andrew is not only a great professional but also a mentor in the mortgage space. He is always willing to share his knowledge and expertise, helping others to grow and succeed.”
– Kari Geddes, Google Review
Exceptionally supportive and genuinely caring
“For first time home buyers we definitely chose right with Andrew Thake and his team. They were unbelievable patient and responsive with my anxiety filled questions and steered my husband and I in the best direction possible! Even when we would message them on weekends with potential houses we were seeing, they responded with happiness for us! It’s more as if you’re family the way they welcome you! Dawn Jackson would even send us videos going step by step through the processes, they went above and beyond!
You won’t choose wrong! How did I find this company? With google reviews like this! It made me feel like with his experience we were in great hands!”
– Cheryl Cleary, Google Review
The Wilson Team – YourOttawaMortgage

Address: 174 Wild Senna Way
Phone: +1 613 440 0134
Business Hours: Monday to Sunday – 8 AM to 8 PM
The Wilson Team has a great reputation, not just for being experts in the field but also for genuinely looking out for their clients.
We’ve had a bit of a chat with some of their past customers, and they just can’t stop raving! The consensus? The whole mortgage process with them was smooth and stress-free.
One thing that stands out to us is their pool of lending partners, as these guys have an extensive network. This means they’ve likely got someone who can work with your specific situation.
We love the range of services they offer too—from first-time homebuyers to refinancing, they’ve got you covered.
In our experience, the Wilson Team excelled in providing tailored advice that matched our specific circumstances.
Furthermore, their online application process was streamlined and user-friendly, so our initial steps in engaging with their services were both efficient and straightforward.
If we were to nitpick, we’re just a bit iffy about not getting to discuss pricing upfront. Remember, though, that it’s the lenders paying them and not you.
Pros
- Solid reputation
- Extensive network of lending partners
- Personalised service
- Seamless communication
Cons
- Indirect cost curiosity
Superior service, fast and reliable
“The Wilson Team has been outstanding to work with.
Our realtor recommended Kelly when our previous lender was not able to confirm porting our mortgage when putting an offer on our home.
Kelly had everything arranged for us within one day, and we were able to purchase our beautiful home.
This was our first time working with a mortgage broker and we are very happy. Their customer service is leaps and bounds ahead of the bank we used previously. I highly recommend them!”
– AK Lawr, Google Review
Exemplary client focus and excellence in service
“It’s rare that I give any business five stars . But The Wilson Team earned it the true way of excellence in support and client focus. I use to do all my mortgage business through top tier banks . After the ease and getting the best rates and terms for me. I will never return and only deal with Kelly and her team.”
– John Richard, Google Review
True North Mortgage

Address: 1730 St. Laurent Blvd. Suite 803
Phone: +1 613 604 2024
Business Hours: Monday to Friday – 9 AM to 6 PM
True North Mortgage has the whole package, from first-time purchases to refinancing—and they’re smooth communicators, too.
Now, we’ve chatted up their past clients, and most of them commended True North’s customer service. So, we decided to check them out further and inquired with the company.
From our experience, we like how they provided us with a sample of detailed breakdowns and comparisons of various mortgage options. With these, we were well-informed before making any decisions.
Additionally, their online calculators and resources empowered us to play around with the numbers ourselves. This, we found immensely helpful in our preliminary planning stages.
And we were all the more impressed when we learned about their reach. They’ve got connections all across the country, hooking up with some of the top-notch lenders in the game.
And if we had to nitpick—well, we really can’t, aside from them being closed on weekends. Other than that, they pretty much tick all the boxes without stepping into the ‘cons’ territory.
Pros
- Incredibly knowledgeable team
- Effortless communication
- High client satisfaction
- Broad lender connections
- Easily accessible
Cons
- Closed on weekends
Smooth, friendly, and highly efficient service
“I recently worked with George Vanikiotis from True North Mortgage for my mortgage renewal, and I couldn’t be happier with the experience. George was incredibly helpful, friendly, and easy to work with throughout the entire process. He was always available whenever I called and made the application process smooth and prompt. George guided me through each step, turning what could have been a difficult task into a breeze. I highly recommend George to anyone looking for a mortgage! Thank you, George, for your excellent service!”
– Brenda Bui, Google Review
Attentive support and exceptional negotiation skills
“Working with Dave from True North was a pleasure. He was incredibly attentive and responsive throughout the entire process. Always available for a phone call to patiently answer our many questions. And he negotiated an incredible rate with the banks. I’ve gotten a mortgage directly through a bank in the past and felt like I was under their thumb throughout the process. Having a broker like Dave feels like a huge advantage in comparison. We’re very pleased with our experience from the very beginning and would highly recommend.”
– Adrian MacLeod, Google Review
Butler Mortgage

Address: 1 Rideau St. #700
Phone: +1 613 670 5873
Business Hours:
- Monday to Thursday – 9 AM to 6 PM
- Friday – 9 AM to 5 PM
We’ve heard loads about Butler Mortgage’s reputation and expertise, and from our experience, none of it was exaggerated.
What we like most is their range of services, which is pretty robust. During our little scout-out, the team seemed super clued-up, always tossing around ideas on how to snag the best deals for their clients.
And the word from past clients we chatted up is that these folks really listen and work tirelessly to get you what you need.
When we reached out to Butler Mortgage, their educational approach stood out. They provided us with free informational webinars and comprehensive guides that further demystified the mortgage process.
Their proactive updates and thorough follow-ups also ensured that we were never left in the dark about the next steps.
Now, while they’re wizards at finding the right deal, we noticed that appointment slots can fill up quickly. You might not get in the door as fast as you’d hoped, which can be a bit of a bummer when you’re raring to go.
Pros
- Expert advice
- Always reachable
- Client-focused
- Rave reviews
Cons
- Busy schedules could mean waiting for an appointment
- Closed on weekends
Fast, efficient, and highly recommended service
“Will definitely use Butler Mortgage when it times to renew my mortgage. Fast, efficient, professional and very helpful. I was very pleased with their services and would recommend their services”
– Heather Kelly, Google Review
Top notch service and best rate achievement
“Butler Mortgage got us the best rate available for our mortgage renewal and they were extremely professional through out the whole process. Top notch service and I would recommend them to anyone.”
– Matt Lewis, Google Review