MBOttawa_stack_colourPMS.png Apply Now
Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“Frank Napolitano and his team made my mortgage process completely seamless. They were very knowledgeable, responsive, and secured an excellent rate for me. I highly recommend Frank Napolitano and his team at Mortgage Brokers.”
C
Cinzia Di Nardo
Ottawa,ON
“We truly cannot say enough wonderful things about our experience with Frank and Karen! From the very beginning, Frank was amazing. His knowledge, expertise, and honest guidance gave us confidence as first-time homebuyers navigating such…
LP
Logan P
“We recently required not only a new mortgage, but also bridge financing for purchasing our new home. We dealt with Jeff Hayes at Mortgage Brokers Ottawa, and he was outstanding. He was timely, a good communicator, and was even on the ball…
GG
Geoff G.
“The team at Mortgage Brokers Ottawa were supportive, helpful and knowledgeable. They were patient with our many questions throughout the process. We spoke about our needs and where we were financially. They were able to assess and recommend…
S
Sil
“I can't say enough about the incredible job that Frank, Stefano and the entire team did. From start to finish, they went above and beyond to ensure everything was completed on an extremely tight timeline without compromising on quality.…
SS
Sara S.
“I had the good fortune of working with Karen Youngs at Mortgage Brokers Ottawa. With her help, I was able to move my mortgage away from my bank to a new lender, at a lower rate, and role in a line of credit payout. Karen and her colleague…
KB
Ken B.
“We truly cannot say enough wonderful things about our experience with Frank and Karen! From the very beginning, Frank was amazing. His knowledge, expertise, and honest guidance gave us confidence as first-time homebuyers navigating such an important decision. We were given to the hard working hands of Karen for the remainder of our mortgage process. She took the time to understand our circumstances, explain our options, and ensure we were making choices that were right for our family. Her advice even helped us avoid moving forward with a property that could have been a costly mistake, and we are incredibly grateful for her honesty and professionalism. Karen was there for us throughout every step that followed. During all the stressful and anxious moments, she was patient, reassuring, responsive, and genuinely invested in helping us reach the finish line. She consistently kept us informed, answered our many questions, followed up on everything, and made us feel supported throughout the entire process. We always felt that she truly cared about our family and had our best interests at heart. Thanks to Frank and Karen, we now have the keys to our new home and began this exciting new chapter as a family. What could have been an overwhelming experience was made so much easier because of their expertise, dedication, kindness, and care. We would wholeheartedly recommend Frank and Karen to anyone looking for a mortgage team they can truly trust. Thank you both for everything you did to help make our dream of owning a home a reality!”
Logan P
“We recently required not only a new mortgage, but also bridge financing for purchasing our new home. We dealt with Jeff Hayes at Mortgage Brokers Ottawa, and he was outstanding. He was timely, a good communicator, and was even on the ball in getting us a better Mortgage rate just before we closed! We would highly recommend him and his team for any Mortgage or mortgage related needs you may have!”
Geoff G.
“The team at Mortgage Brokers Ottawa were supportive, helpful and knowledgeable. They were patient with our many questions throughout the process. We spoke about our needs and where we were financially. They were able to assess and recommend the best course of action. We were so pleased with their help the first time that we came back again. During the process and even after we were done, Stefano would check in to ensure everything was ok or to see if we had any questions. In this financial climate, we can use all the help we can get. And this was a team that was eager to help and keep us informed. I look forward to their help again in the future.”
Sil
“I can't say enough about the incredible job that Frank, Stefano and the entire team did. From start to finish, they went above and beyond to ensure everything was completed on an extremely tight timeline without compromising on quality. They worked tirelessly, stayed organized, and tackled every challenge with a positive attitude, making what could have been a very stressful process feel seamless. It's rare to find a team that is this dedicated, responsive, and genuinely invested in delivering exceptional results.”
Sara S.
“I had the good fortune of working with Karen Youngs at Mortgage Brokers Ottawa. With her help, I was able to move my mortgage away from my bank to a new lender, at a lower rate, and role in a line of credit payout. Karen and her colleague Nella were very easy to work with. The communication was clear and frequent. I whole heartedly recommend Karen for your next mortgage.”
Ken B.
Ready When You Are

Talk to a broker about your next move

Download the Home Buyer's Guide to start discovering mortgage tips.

Get Started See Today's Rates