Working with the Top
Home Mortgages
Lender in Ottawa
Your Dream Home in Ottawa Starts Here
At Price Mortgages, we believe getting a mortgage should feel clear, strategic, and empowering. Whether you are buying your first home, refinancing to lower payments, or planning your next investment property, my goal is simple — make the process easy and help you save money.
- No Hidden Fees
- 35+ Lenders
- Same Day Pre-Approval
Mortgage Solutions for Every Stage of Life
From your first home to your investment portfolio, we find your perfect mortgage.
First-Time Home Buyer Mortgages
Navigate your first home purchase with confidence. Programs designed for new buyers.
Refinancing & Debt Consolidation
Access your home equity for renovations, debt consolidation, or investments.
Renewals & Rate Transfers
Don't accept your lender's offer. Let us shop for better rates when your term ends.
Investment & Rental Property
Financing solutions tailored for investment and rental properties.
Self-Employed Mortgages
Flexible income verification options for self- employed borrowers.
Construction & New Build Financing
Financing for custom builds and new construction projects from the ground up.
Mortgage Pre-Approvals
Know exactly how much you can afford before you start looking.
Your Trusted Partner for Ottawa Mortgages
I’m Matt Price, an Ottawa-based mortgage agent dedicated to helping home buyers, homeowners, and investors secure the right financing with confidence. Unlike the big banks, I work for you, not a single lender. Because I live and work in Ottawa, I understand the local real estate market, neighborhoods, and lending landscape. From first-time buyers to growing families and experienced investors, I help clients make smart decisions that align with both their lifestyle and long-term financial plans.
Competitive Rates
Access to multiple lenders and competitive rates.
Unbiased Advice
Unbiased advice tailored to your goals.
Flexible Solutions
Flexible solutions the banks do not always offer.
Faster Approvals
A smoother and faster approval process.
Full Support
Support from application to closing and beyond.
Local Expertise
Ottawa-based agent who understands the local market.
Estimate Your Monthly Payment
Use our calculator to estimate your mortgage payments.
What Our Clients Say
My clients value honest advice, fast communication, and a smooth experience. Many return for future mortgages and refer friends and family because they know I am always focused on their best interests.
“As first-time buyers, we were overwhelmed. Matt made everything easy and found us a rate 0.5% lower than our bank!”
Sarah & Michael T.
Barrhaven
“Refinanced and saved $300/month. Smooth process, always available. Highly recommend!”
Robert & Patricia C.
Kanata
“Self-employed, thought a mortgage was impossible. Matt found the perfect lender. Can’t thank him enough!”
Jennifer L.
Orleans
Frequently Asked Questions
Have questions? We’ve got answers.
What is the difference between a mortgage agent and a bank?
A mortgage agent works independently with multiple lenders, shopping around to find the best mortgage rates and terms for you. Unlike going directly to a bank or credit unions (which can only offer you their own products), as a licensed mortgage agent in Ottawa, I work for you. That means comparing options across 35+ home mortgage lenders to get you the most competitive deal possible.
How much do your services cost?
For most clients, the mortgage services are completely free. We’re compensated directly by the lender once your mortgage funds. You get expert guidance, lender comparisons, and a smoother approval process at no out-of-pocket cost at all to you.
How much down payment do I need?
The minimum down payment is going to depend on the purchase price of the home. For homes under $500K, the minimum is 5%. For homes priced between $500K and $999K, it’s 5% on the first $500K plus 10% on the remainder. For homes $1M and above, a minimum of 20% is required. If you aren’t sure what you can afford, I can walk you through your options as part of the mortgage process during your initial consultation.
What is a mortgage pre-approval?
A mortgage pre-approval tells you exactly how much you can borrow, locks in an interest rate for up to 120 days, and shows sellers you’re a serious buyer. In most cases, I can get your pre-approval letter from the lender within 24 to 48 hours. If you just need a rough estimate of your borrowing power to start planning, a pre-qualification can be done in less than 24 hours.
Can you help with bad credit or self-employment?
Yes. Having not great credit or being self-employed doesn’t mean you don’t have any options. With access to 35+ lenders, including alternative lenders that go beyond traditional mortgage lending, we regularly find mortgage solutions for clients in non-traditional situations.
Should I choose a fixed or variable rate mortgage?
There’s really no one-size-fits-all answer. A fixed rate gives you payment stability and predictability over your term. A variable rate often starts lower but can fluctuate with the market. The best choice depends on your financial goals, your specific risk tolerance, and your timeline.
Do you help with mortgage renewals?
Absolutely. Mortgage renewals are an opportunity to reassess your rate, switch lenders, or even adjust your terms. As a licensed Ottawa mortgage agent, I’ll do the shopping for you so you’re not simply auto-renewing with your current lender at whatever rate they offer.
Do you have a mortgage agent license?
Yes. As a licensed mortgage agent, I meet all applicable licensing requirements to operate in Ontario and work with a wide network of lenders on your behalf.
In Canada, mortgage agents are provincially regulated — in Ontario, the Financial Services Regulatory Authority (FSRA) oversees mortgage brokerage licensing. You can trust that your file is being handled by a qualified professional, meeting the same standard of mortgage loan originator licensing that regulated markets require.
What's the difference between a mortgage agent and a mortgage broker?
Both mortgage agents and mortgage brokers (also known as mortgage advisors) shop across multiple financial institutions to find the best deal for clients. The main difference is simply how we’re licensed; a mortgage broker operates independently and can run their own brokerage, while as a mortgage agent, I work within a licensed brokerage. Ottawa mortgage brokers and agents alike must meet education and experience requirements set by provincial regulators.
For you as a client, the experience is the same. You get multiple lender options and a mortgage specific to your needs.
Let's Make Your Next Move Simple
Whether you are exploring your options or ready to apply, I am here to help. Reach out today for a personalized mortgage strategy and discover how much you could save with a local mortgage agent in Ottawa.