Mortgage Broker - Ottawa

Mortgage Broker Serving Ottawa

Written by the HB Mortgage Centre team. Reviewed by Hardeep Batoo, Principal Broker (licence M13002408). HB Mortgage Centre is an FSRA-licensed brokerage (#13449). Last updated: June 23, 2026.

The short version: HB Mortgage Centre is an FSRA-licensed Ontario brokerage serving Ottawa fully remotely, by phone and email, from its Mississauga office. The typical Ottawa file is a steady-income first purchase or move-up that deserves shopping rather than assumptions. Everything is subject to qualification.

Ottawa is the capital, and a large share of its workforce holds steady public-sector jobs, which gives the city a stable-income character that shows up in how people buy homes. It has an active first-time-buyer market and plenty of move-up buyers trading up as families grow. HB Mortgage Centre is an FSRA-licensed Ontario brokerage based in Mississauga, and we help Ottawa clients fully remotely, by phone and email. We are a brokerage, not a bank, and we shop across lenders to fit your situation, subject to qualification.

Talk to a broker Call (647) 542-6100

FSRA Brokerage #13449Â·Hardeep Batoo, Broker Licence #M13002408Â·Serving OttawaÂ·Ontario-licensed

The basics

Who do we help in Ottawa?

This page is for Ottawa buyers with steady employment who want their financing shopped rather than assumed, first-time buyers ready to make a sensible first purchase, and move-up owners trading up as their needs change. Stable income is an advantage, but it does not mean every lender offers you the same deal, and that is where comparing across lenders pays off.

Who it's for

How we help Ottawa borrowers

We lead with the situations Ottawa sees most:

First-time home buyer help, including the programs you may qualify for and a realistic budget before you shop.

Home financing for stable-income and move-up purchases.

Refinancing when restructuring or consolidating makes sense.

Everything is subject to qualification and lender review, and we will tell you when an option is not the right fit.

How it works

How does fully remote service work?

Phone and email service

We are based in Mississauga and serve Ottawa entirely by phone and email. There is no Ottawa office, and the distance does not change the service.

Same broker throughout

You deal with the same broker from your first call to closing, share documents securely, and get the same guidance you would across a desk. For move-up and refinance files, we work through the timing and the numbers with you before anything is locked in.

More than 50 lenders

HB Mortgage Centre has arranged over $1 billion in mortgage funding since December 2021, working with more than 50 lenders. We also work with homeowners in Kingston.

Ottawa market context

Financing in the Ottawa market

Ottawa is home to about 1,017,449 residents, according to the 2021 Census, and grew 8.9 percent between 2016 and 2021. A large concentration of government and public-sector employment gives the city a steadier income profile than many markets, and the housing mix runs from established central neighbourhoods to newer suburban communities on the edges. That steadiness is a strength when you qualify, but a competitive market still rewards a borrower who has compared options rather than taken the first offer. We give you a realistic read on your situation in the current Ottawa market.

Steady income is exactly when shopping pays, because more lenders want your file. One bank can only quote one answer from its own rulebook. A brokerage can compare the same file across more than 50 lenders, including at renewal, where the first offer is rarely the best.

Areas we serve across Ontario →

Why a broker

When it is worth a conversation

A short call usually helps if any of these sound familiar:

You are buying your first home and want to understand the programs and a sensible budget first.
You are moving up and want your financing shopped, not assumed.
Your renewal is coming up and you want it compared across lenders.
You are weighing a refinance to restructure or consolidate, and want a clear read first.

On a first call: a broker reviews your situation and gives you a realistic read, not a pitch. The call and the assessment cost nothing. No approval or rate is guaranteed.

Areas we serve →

FAQ

Frequently Asked Questions - Mortgage Broker Ottawa

Do you have an Ottawa office?+

No. HB Mortgage Centre works from a single office in Mississauga, and we serve Ottawa clients fully remotely by phone and email. There is no Ottawa office or staff in the city.

Does steady government income make qualifying automatic?+

Steady income helps, but it does not mean every lender offers the same product or terms. We shop your file across lenders so you see the real options, subject to qualification.

Does remote service work well from across the province?+

Yes. Most of our out-of-town work happens by phone and email, with the same broker from first call to closing, and documents shared securely. The distance does not change the service.

Can you help with a move-up purchase or a refinance in Ottawa?+

Yes, subject to qualification. We work through timing and numbers for move-up purchases and refinances, and we tell you when staying put makes more sense.

I am a first-time buyer in Ottawa. What should I sort out before I shop?+

The programs you may qualify for and a sensible budget, in that order. We walk you through both, get the pre-approval in place, and give you a realistic read on what you can carry before you start looking, subject to qualification.

Talk to a broker who serves Ottawa

Tell us your situation and we will give you the honest version of your options. No cost, no obligation.

Apply Call (647) 542-6100

Qualification subject to lender approval, credit assessment, and market conditions. O.A.C. E.&O.E. FSRA Brokerage #13449.

FSRA Brokerage #13449 Â· Hardeep Batoo, Broker Licence #M13002408 Â· Ontario-wide