Ottawa Mortgages for First Time Home Buyers Made Easy

Getting you the mortgage you deserve

First of all, congratulations! This is a very exciting time for you. Since you are a first-time buyer, we understand that you're new to the mortgage world. Our mortgage agents can assist you in this exciting time by providing you with a quality mortgage that matches your mortgage goals.

At Mortgage Captain, we take pride in helping first time homebuyers in the Ottawa area with the mortgage they need.

How we help first time home buyer mortgages in Ottawa, Ontario

As first time home buyer mortgages in Barrhaven, we can assist you in determining the optimum down payment given your financial situation to try and save you on mortgage insurance fees. We can also assist you in showing you how to save money on your land transfer taxes. If you think you will need to make some renovations to your new home, we are able to assist you in increasing the size of your mortgage so you will not have to refinance later. At, we have affiliated ourselves with quality financial planners, who can show you how to get an RRSP loan and then use your RRSP as a down payment. You will not get the same quality financial planning service at a bank.

We have connections to over 50 financial institutions and will be able to get you the best possible rate given your financial situation. This variety works to your advantage, since you won’t be tied down to limiting and expensive mortgages that most banks provide.

Unlike big banks, we will show you there is more than just interest rates when it comes to selecting the correct mortgage. Big banks often do not inform you of the big penalties or collateral charges involved in breaking a mortgage until it is too late. They also don’t tell you that checking credit scores will often lower them, which becomes a bigger problem the more financial institutions you approach.

Although this may be your first mortgage with, we believe in establishing long-term relationships with our clients so we can look forward to helping you when your mortgage comes up for renewal. Your time is valuable! So, why not sit back and relax and let us do the mortgage shopping for you. We have incentive to save you money, whereas the big banks have incentive to make money.

Need a pre-approval before you go househunting in Ottawa?

Imagine this: you go house hunting and, after looking at a dozen houses, finally find your dream home. It’s get everything you need: great kitchen, spacious backyard, and plenty of room for the little ones. But when you approach your bank for financing, you discover that you can’t afford the dream home at all!

Disappointing, right? Unfortunately this happens far more often than you would think. Many Ottawa homeowners don’t do the due diligence of finding out how much they can afford before going house hunting.

Please do your homework! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you'll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. This is also going to save you valuable time on the tail-end of the process once you’re actually making the purchase and trying to push the agreement through.

If you don't qualify for a pre-approved mortgage, don’t worry. We will still be able to help you estimate a mortgage-qualifying amount, so that you can still go house hunting with the proper amount in mind.

Call us at 613-296-3892, or fill out an online application today, to get in touch with our experienced mortgage agents.

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