What homeowners in Ottawa ask us first
- Large public-service and military relocation volume: HHT timelines and interim-financing letters are common file features.
- New-build suburban purchases in Kanata, Barrhaven, and Orleans often need firm-closing vs occupancy-date planning.
- Bilingual closing documents available on request for NCR files.
Own rentals in Ottawa? Investor underwriting lives in our investment market guides — this page covers only the home you live in.
Owner-occupied paths in Ottawa
The home you live in — not a second Ottawa investment guide.
-
Purchase / pre-approval
Insured or conventional purchase in Ottawa with a free 120-day hold across 50+ Canadian lenders.
-
Renewal / switch
Start 120 days before maturity so you can leave a posted-rate auto-renew with no IRD penalty.
-
Refinance or equity takeout
Rate-and-term keeps the balance flat. Equity takeout pulls cash to 80% LTV. Both are uninsured.
-
Ottawa investment guides
Rental and commercial underwriting for Ottawa lives on market guides — not this page.
-
Ottawa mortgage broker
Full-service city brokerage (homeowners and investors). This retail page stays owner-occupied.
-
Residential rates
Owner-occupied and 1–4 unit rate ranges. Commercial and CMB pricing live on their own desks.
-
Ontario home mortgages
City pages for the home you live in — purchases, renewals, refinances, and self-employed files.
-
Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math first.
-
Home equity takeout
Pull cash up to 80% LTV from the Ontario home you occupy. Refinance vs HELOC compared.
Ontario owner-occupied mortgages
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Ottawa home mortgage FAQs
Owner-occupied purchases, renewals, and refinances in Ottawa.
Ottawa home mortgage FAQs
Next steps
Get your Ottawa rate hold
Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.