Ottawa Mortgage Blog

Fixed vs. Variable Rate Mortgages: Which One Is Right for You?

June 14, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

One of the most common questions mortgage borrowers face is whether to choose a fixed or variable rate mortgage. It's also one of the most important decisions you'll make, as it can have a significant ...

Is Mortgage Default Insurance Really a Bad Deal?

May 20, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

Ask many Canadians working toward homeownership about mortgage default insurance, and you’ll likely hear a groan. It’s widely seen as an extra cost, a penalty, almost, for not having a lar ...

How Fixed Mortgage Rates Are Priced: The Bond Connection

May 12, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

If you've been following mortgage rates closely, you may have noticed something curious: fixed rates can swing significantly even when the Bank of Canada hasn't touched its policy rate. While most Can ...

Financing for the Self-Employed: Turning Complexity into Opportunity

May 4, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

For many Canadians, self-employment represents independence, ambition, and the freedom to build something meaningful. Yet when it comes to securing a mortgage, that same independence can introduce lay ...

First-Time Homebuyer Mistakes to Avoid

April 9, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

Buying your first home is an exciting step, but it’s also where small missteps can lead to costly consequences. With today’s stricter lending standards and changing interest rates, carefu ...

2026 Housing Market Outlook: What's Next for Buyers, Sellers and Investors?

February 17, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

As we step into a new year in real estate, many buyers, sellers, and investors are asking the same question: What’s next for the housing market? While no one can predict the future with ce ...

Why a Mortgage Pre-Approval Matters Before You Start Shopping

February 2, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

If buying a home is on your radar this year, whether it’s your first purchase, an upgrade, or an investment property, your first step is securing a mortgage pre-approval. Preparation se ...

A Smarter Way to Tackle Debt This Year

January 21, 2026 | Posted by: Jamie Small - Ottawa Mortgage Broker

Feeling the Weight of Debt This New Year? The start of a new year has a way of bringing financial reality into focus.Holiday spending begins to show up on credit card statements, monthly payments fee ...

Dec 10-2025 - Bank of Canada maintains policy rate at 2.25%

December 10, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Major economies around the world continue to show res ...

Fall 2025 Canadian Mortgage Trends & Insights Report

November 21, 2025 | Posted by: Jamie Small - Ottawa Mortgage Broker

Did You Know ? Did you know that despite encouraging signs of stabilization in the Canadian mortgage market this fall, the national household debt-to-income ratio remained at an eye-opening 181.8 % in ...

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