Full Service Ottawa Mortgage Agent
Hi I’m Lawrence and welcome to OntarioMortgageSuperstore.com. I am a full service mortgage agent with Trillium Mortgage. Trillium Mortgage has been providing Ontario home owners with prime, alternative and private mortgage lending for over 20 years.
We offer home, commercial, rental, second and private mortgages. Whether you are purchasing a home, refinancing your mortgage, obtaining a home loan or switching lenders we will get you the lowest rate for your mortgage. How can we beat the major banks and the well advertised Ottawa mortgage brokers?
It’s simple, our overhead is embarrassingly low. We don’t have an army of administrative staff on hand or sky scrapers to construct. Instead of spending millions of dollars on television and radio advertising, we rely on customer satisfaction to promote our service. The average consumer has access to 6-8 lenders, the average Ottawa mortgage broker has access to 40, We have access to over 100 highly competitive public and private lenders across Ontario. Trillium has the largest network of private lenders in Ontario.
Whatever your mortgage need, I will make the entire process easy. There is never any pressure and no obligation. Why don’t you fill out an application or give me a call today.
Services Available
- Home Mortgage
- Commercial Mortgage
- Debt Consolidation
- Second Mortgage
- New To Canada
- Home Loan
- Second Property Mortgage
- No Money Down Mortgage
- Home Equity Loans
- Pre Approval For Mortgage
- Self Employed
- Land Mortgage
- Cottage Mortgage
- Vacation Property
- Purchase Plus Improvements
- Renewal
- Refinancing
- First Time Home Buyer
- Rental Mortgage
- Past Bankruptcy
- Private Mortgage
- Bad Credit
- Construction Financing
- 80% Rental Offset
** Select a service type for more information **
Maximum Mortgage Loans
| Residential | Max LTV | Commercial | Max LTV | |
| Home | 100% | Storefront | 80% | |
| Rental | 85% | Rental | 85% | |
| Second | 95% | Office Building | 75% | |
| Home Refinancing | 95% | Commercial Plaza | 75% | |
| Private | 95% | Industrial Space | 75% | |
| Home Loan | 95% | Farm Financing | 55% | |
| Vacant Lot | 75% | Acreage | 55% |
Why Use An Ottawa Mortgage Broker?
- SAVINGS – An Ottawa mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best rate possible.
- CONVENIENCE – Obtaining a mortgage through me is quick, easy and convenient. I have the flexibility to work around your schedule. Most of the work can often take place over the phone or through email.
- STRESS FREE – There is no need to negotiate. I will give you the lowest rate EVERY TIME.
- COST – My service is free of charge to most consumers. Charges may apply when the borrower has bad credit or has an extremely high debt to equity ratio. A simple rule of thumb would be if every bank and credit union in Canada turns you down, there may be a fee.
- ECONOMY OF SCALE – When dealing with a bank, a mortgage broker will often be able to get a much lower rate than the lowest rate offered to the consumer.
- ETHICS AND INTEGRITY – As an Ontario mortgage agent I am licensed by the Financial Services Commission of Ontario (FSCO.GOV.ON.CA) and a member of the Canadian Association Of Accredited Mortgage Professionals (CAAMP.ORG), the lending officer at your bank is not. My license and membership can be confirmed at the links below.
- NO CONFLICT OF INTEREST – As an Ottawa mortgage agent I provide a service. The service I offer is to find you the lender with the lowest interest rate, to provide you with flexible mortgage options and to provide unbiased answers to your questions. The mortgage officer at your bank is there to sell you their employer’s product.
About Ottawa
Located in the Ottawa Valley in the eastern portion of Southern Ontario, the city lies on the southern banks of the Ottawa River, a major waterway forming the local boundary between the Provinces of Ontario and Quebec. The 2006 Census recorded the population at over 812,000, making it the fourth largest municipality in the country and second largest in Ontario. Connected by several bridges to its Quebec neighbour, the City of Gatineau on the northern shores of the Ottawa River, the two cities had a combined 2006 population of over 1,130,000, making it the country’s fourth largest metropolitan area.
Ottawa is governed by a 24-member city council consisting of 23 councillors each representing one ward and the mayor, currently Larry O’Brien,[4] elected at-large. As a single tier municipality, Ottawa has responsibility for all municipal services, including fire, ambulance, police, parks, roads, sidewalks, public transit, drinking water, stormwater, sanitary sewage and solid waste.
There is no federal capital district in Canada. Although it does not constitute a separate administrative district, Ottawa is part of the federally designated National Capital Region (NCR), which encompasses Ottawa, Gatineau and surroundings areas having a population of over 1,451,000. The National Capital Commission is a federal crown corporation charged with the responsibility of planning and managing the federal government’s interests in the NCR.
As with other national capitals, the word “Ottawa” is also used to refer by metonymy to the country’s federal government, especially as opposed to provincial or municipal authorities.
Transportation
Inter-city services
Ottawa is served by inter-city passenger rail service by VIA Rail, a number of airlines that fly into the Ottawa Macdonald-Cartier International Airport, and inter-city bus companies such as Greyhound Canada operating out of the Ottawa Bus Central Station.
Highways, streets and roads
The capital city of Canada is also served by a network of freeways, the main one being provincial Highway 417 (called The Queensway), Ottawa-Carleton Regional Road 174 (formerly Provincial Highway 17), and Highway 416 (Veterans’ Memorial Highway), connecting Ottawa to the rest of the 400-Series Highway network in Ontario. Highway 417 is also the Ottawa portion of the Trans-Canada Highway. The city also has several scenic parkways (promenades), such as the Ottawa River Parkway, Rockcliffe Parkway and the Aviation Parkway and has a freeway connection to Autoroute 5 and Autoroute 50, in Hull. For a complete listing of the parkways and roads in Ottawa, see the List of Ottawa roads.
Public Transit
The public transit system is operated by OC Transpo, a department of the city. An integrated system of services is available consisting of: (1) regular buses travelling on fixed routes in mixed traffic, typical of most urban transit systems; (2) a bus rapid transit (BRT) system – a high frequency bus service operating on the transitway – a network of mostly grade-separated dedicated bus lanes within their own right-of-way and having full stations with Park & Ride facilities further supported by on-road reserved bus lanes and priority traffic signal controls; (3) a light rail transit (LRT) system known as the O-Train operating on one north-south route; and (4) a door-to-door bus service for the disabled known as ParaTranspo.
Both OC Transpo and the Quebec-based Société de transport de l’Outaouais (STO) operate bus services between Ottawa and Gatineau. A transfer or bus pass of one is accepted on the other without having to pay a top-up fare on regular routes.
Click the link to see Ottawa’s transportation network master plan.
About Carleton Place
Carleton Place (population 10,000) is a town in the eastern portion of Eastern Ontario, Canada, in Lanark County, about 46 kilometres (29 mi) west of downtown Ottawa on the Central Ontario (Highway 7) route of the Trans-Canada Highway. It is located at the crossroads of Highway 15 and Highway 7, midway between the town of Perth and the nation’s capital, Ottawa.
Ottawa Economic Development
Follow the link to see the most current Ottawa residential land strategy.
Ottawa Property Taxes
Click the link to view the most recent Ottawa property tax rates.
Call Today For All Of Your Mortgage Needs
If you are currently looking for a mortgage in Ottawa it has never been a better time to get financing. Canadian mortgage rates are at an all time low and the housing market has proven over the last 18 months how resilient our market is. I am very confident that with Ontario’s transit expansion plans coupled with Canada’s stance on immigration that the province will see a nice surge in housing prices over the next 10-15 years. Trillium Mortgage is your Ontario mortgage broker with over 20 years of experience helping Ottawa home owners.
Home Purchase/ Mortgage Refinancing
If you are looking at buying a new home or looking to refinance your current home, call today. We will find you the lowest mortgage rate for your home purchase or refinance.
First Time Home Buyers
The prospects are especially bright if you are a first time home buyer. If you are a first time home buyer give me a call today. I can help you understand the many opportunities currently available for first time home buyers. Check out our mortgage calculator on the side bar, this will help you figure our how much you can afford. We can help first time home buyers save with the lowest rates anywhere.
Commercial Financing
If you are a commercial property owner in need of an Ottawa mortgage broker, call today. We have many commercial lenders who can help no matter what or where your property is. If you are looking for a commercial mortgage with the lowest rates, call today.
Rental Properties
I can help real estate investors local or abroad in need of a mortgage for a rental property. Whether you are a first time rental property owner or purchasing your eighth property we can help you.
Private Mortgage Lenders
Are you in need of a private mortgage? Trillium mortgage broker is a leader in offering private mortgages and has access to an established and well reputable network of private lenders. We can offer the lowest rates for your private mortgage.
Second Mortgage / Home Loans / Debt Consolidation Loan
We offer second mortgages, home loans and debt consolidation loans. Bad credit histories are our specialty. Even if you are being foreclosed, are in power of sale or have recently gone bankrupt, we can help you. We offer the lowest interest rates on your second mortgage, home loans and debt consolidation loan needs.
Vacation Home / Cottage / Second Home
Are you looking a buying a vacation home, second home or a cottage? Trillium Mortgage is an Ontario mortgage broker who can find you the lowest interest rate for your dream getaway.
No matter what your situation is, Trillium Mortgage can help. We will help every person get the mortgage they need. Call today for any of your Ontario mortgage broker needs.