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Directory of mortgage refinance companies in Ottawa, Ontario. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Ottawa, ON
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Ontario before hiring.
Showing 2 mortgage refinance companies in Ottawa, ON
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Sean Rankin TopRankinMortgage Team
2733 Lancaster Rd #121, Ottawa, ON K1B 4V8, Canada
1613447136
Referral Mortgages
1320 Carling Ave #205, Ottawa, ON K1Z 0C9, Canada
1613686600
Mortgage refinance companies in Ottawa help homeowners replace their existing mortgage with a new loan, often to secure a lower interest rate or change payment terms. In Ontario, refinancing is subject to the federal Bank Act and provincial consumer protection laws, including the Ontario Mortgage Brokerages Lenders and Administrators Act. Local companies understand Ottawa property values and can guide you through the process of breaking your current mortgage and arranging a new one.
What Does a Mortgage Refinance Company in Ottawa Cost?
Typical costs for refinancing a mortgage in Ottawa include an appraisal fee of 300 to 600 dollars, legal fees of 800 to 1,500 dollars, and a discharge fee from your current lender of 200 to 400 dollars. If you break a fixed-rate mortgage early, you may also pay an interest rate differential penalty, which can be thousands of dollars. Variable-rate mortgages often have a penalty of three months interest. This is general information and does not constitute mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the typical timeline for refinancing a mortgage in Ottawa?
The refinancing process in Ontario usually takes 30 to 45 days from application to funding. This includes appraisal, underwriting, and legal paperwork. Your lender must provide a clear disclosure statement at least two days before closing.
Do I need a lawyer to refinance my mortgage in Ontario?
Yes, Ontario law requires a lawyer or notary to handle the legal transfer of the mortgage and register the new charge on your property title. The lawyer ensures all documents comply with the Ontario Land Titles Act.
Can I refinance if I have less than 20 percent equity in my Ottawa home?
Yes, but you may need to pay for mortgage default insurance through Canada Mortgage and Housing Corporation or a private insurer. Ontario lenders typically require a minimum credit score and stable income for high-ratio refinances.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Ontario.